How Long Does a Domestic Wire Transfer Take to Process?

Domestic wire transfers post immediately and are generally available for withdrawal the next business day, according to First Citizens Bank. The exact time frame, however, may vary by bank.

Investopedia advises that banks generally charge a fee for processing a wire transfer. Some banks charge a fixed fee, while others charge fees based on the size of the wire transfer. To plan accordingly, an individual requesting a wire transfer needs to contact the bank performing the transfer and ask about any fees. It is also important to find out if the bank has a cut-off time, because transfers initiated after the cut-off time are not processed until the next day.