Wire transfers

For Incoming Wire Transfers

In order to have money wired to your MIDFLORIDA account, you will need:

• MIDFLORIDA Routing number for all accounts: 263179804
• Full account number
• Full name of beneficiary (name on account)

For Outgoing Wire Transfers

• Wire Transfer Request Form - Domestic
• Wire Transfer Request Form - Foreign

Please see our fee schedule for wire transfer fees.

• Consumer fee schedule
• Business fee schedule

Processing times

Wire transfers are accepted during regular business lobby hours. Wires received in the lobby on Saturday will be processed the next business day. Foreign wires received after 3:30pm weekdays may be processed on the next business day. Wires to some countries may have additional information required after the form has been submitted to the institution receiving the funds, which may cause a delay. Forms not completed in a branch require additional validation and may not be processed the same business day. Posting times for the institution receiving the funds may vary. Also note that the funds may not arrive at their destination on the same day the wire is sent. In some cases, it may take as long as 15 days.

Do I need a Swift Code to complete an international wire to MIDFLORIDA?

Many banks and credit unions do not have a Swift Code. Don’t worry! You can still wire the money. Simply request that the foreign bank wire the money to their U.S. correspondent bank, with the instructions: for Further Credit to MIDFLORIDA, with final credit to you. That bank will complete the transaction using our routing number and your account number. Please note that foreign banks often stumble at the absence of the Swift Code, but they should all have a U.S. correspondent bank, and established procedures that they can use to complete this transaction for you. Keep in mind that we are unable to send funds to all countries—some are completely blocked for various reasons.