How do I send a wire transfer?

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Savings Accounts & CDs

It’s never too early to begin saving. Open a savings account or open a Certificate of Deposit (see interest rates) and start saving your money.

Home Equity Line of Credit

You might be able to use a portion of your home’s value to spruce it up or pay other bills with a Home Equity Line of Credit. To find out if you may be eligible for a HELOC, use our HELOC calculator and other resources before you apply.

Run Cables to the Main Service Panel

  • Run cable(s) from your completed circuits to the service panel.
    • Pro tip: Leave 4 extra feet of cable for the electrician to work with.
  • Label the cables with the location of the circuit.
  • Call in the electrician to connect the circuits.

Drill into Corners at an Angle

  • Angle the bit into tight spots.
  • Make sure there’s at least 1-1/4 inches between the back face of the stud and the cable.
  • Cover the face of the stud with a metal nail plate to protect the cable where the hole is closer than 1-1/4 inches to the face of the stud.

How do you wire money to a bank account?

To wire money to a bank account, you'll need information from the person who will receive the funds. You'll need the recipient's first and last name, contact information, account number, and routing number for wire transfers. Ask the recipient to confirm the details with their bank or credit union so the money is routed to the right place. You'll then visit your local bank branch, provide the details, and wire the funds.

How to set up and send online wires

  • Sign on to Wells Fargo Online.
  • Select Wire Money in the Transfer & Pay menu.
  • Add recipient details.
  • Send the wire (You must have a valid U.S. Mobile number or secure ID device to wire money).

Around the globe

With Wells Fargo Online Wires, you can send money to both personal and business accounts in the U.S. and 200+ countries. Additional fees may apply.

Sending a wire transfer

  • You can send a wire transfer to a title company or a linked external account that has been on file for at least 30 days (additional recipient options are supported for certain account types) within the United States (including U.S. territories).
  • Online wire transfers can only be sent within the United States (including U.S. territories).
  • The money will be delivered the same day, if requested by 2 p.m ET Monday-Friday (except Federal holidays). If it’s requested after this time, it will be delivered the next business day.
  • An online wire transfer may not be able to be deleted or cancelled. An associate may be able to do an investigation to resolve the issue.

There are three ways to send wire transfers: online, in branch and by phone.


To send a domestic wire transfer online you must have a mobile phone number that can be used to receive a one-time passcode. Most accounts that have online access are eligible to send online wire transfers. Examples of these account types include: 360 Checking, 360 Savings, 360 Money Market, Total Control Checking, Confidence Savings, Savings Now, Performance Savings and Simply Checking.

By phone 

If you need assistance, domestic wire transfers can be sent through our Wire Team from 9a.m. ET to 5 p.m. ET Monday-Friday.


In-branch domestic and international wire transfers are typically reserved for Capital One Essential Checking, High-Yield Checking, and Essential Savings retail account customers. Please refer to your local bank branch for more information on sending international wire transfers.

For more information on how to send a wire transfer, visit our overview page.

How to Wire a 3-Way Light Switch

Sometimes it’s impractical to have just one switch for a light, and in these cases, using two 3-way switches can be helpful. For example, two 3-way switches make it possible to turn on a stairway light from either the top of the stairway or from the bottom.

Replacing a 3-way switch is just as straightforward as replacing a single-pole switch, but you’ll find more wires in the box. Since the two switches will both control the light, they need extra “traveler” wires connecting the switches to one another. Read on to find out how to keep the wires straight, how to figure out where they connect to the new switches, and how to wire switches.

RELATED: The Best Motion Sensor Light Switches of 2021

STEP 1: Disconnect the power source

Locate the breaker that serves the switch. In many homes, a single breaker (in the service panel) will power an entire room so that the breaker may be labeled something like “Master bedroom” or “Upstairs hallway.” After flipping the breaker off, always test the switch to ensure the power to it is really off.


STEP 2: Remove the switch

Use a screwdriver to loosen the two screws that hold the switch plate in place and set it aside. Then, use a screwdriver to loosen the top and bottom screws that hold the actual switch in place. Once the screws are out, you’ll be able to pull the switch out a couple of inches to see and work with the wires.

STEP 3: Identify the wires

Two different types of wire cables are used in a 3-way switch. A standard 14:2 cable that contains a white wire, a black wire, and a ground wire, carries power from the breaker to the switch box. A 14:3 cable with a black, white, red, and ground wire connects the first switch to the second switch and also to the light.

The most common way (not the only way) to wire a 3-way switch is to run the wires from the first switch to the light and then to the second switch. Replacing a 3-way switch in this wiring configuration is covered in the following steps. However, if you open the switch boxes and find a different wire configuration, you can still replace the switches using the general method described here.

1. Two (white) neutral wires 2. Three ground wires 3. Red traveler wire 4. Black traveler wire 5. Black common wire

STEP 4: Label the common wire in the first box

In the first switch box (the box where the power comes in), you’ll see eight wires. Two white (neutral wires) will be connected and covered with a wire nut. A black wire will be connected to a black or copper screw terminal—this is the “common” wire—and you must distinguish it from the other wires. Put a piece of electrical tape on the common wire before disconnecting it, so you know it’s the common wire. Don’t skip this step!


You will also see three ground wires connected within a single wire nut, and you will also find an additional black wire and a red wire—these are the traveler wires that connect to the light and to the second switch.

STEP 5: Identify the wires in the second box

With this wiring configuration, you’ll only find four wires in the second switch box, a black wire, a white wire, a red wire, and a ground wire. The white wire is not neutral in this switch but rather is used as a hot wire. It should either be labeled with some black electrical tape or black paint to signify it’s a hot wire. The black wire in the box is the common wire, and it runs to the common terminal. Go ahead and label this common wire as well to help keep it straight.

1. Common wire 2. Red traveler wire 3. White wire w/ black paint (hot wire) 4. Ground wire

STEP 6: Disconnect the wires

Once both common wires are labeled, use a screwdriver to loosen the terminal screws and remove the wires attached to them. For the wires that are connected to one another and covered by wire nuts, simply twist off the nuts to reveal the bare wire ends. Now, you’re ready to install the new switches.

STEP 7: Wire the new switches

Examine the switches—when installing new 3-way switches, always use the identical type for both switches. Terminal configuration can vary by brand, which can make installation confusing.

  • First, connect the common wires to the common terminals labeled on both new switches. If the terminal isn’t labeled as “Common,” it will have a black or copper terminal on the bottom side of the switch.
  • Then, connect the red wire to a terminal on the top side of the switch. Red is a traveler wire and can be connected to the left or the right upper terminal. It doesn’t matter as long as you do it the same on both switches. So, if you connect it to the upper right terminal on one switch, connect it to the upper right terminal on the other switch.
  • Connect the second traveler wire to the terminal opposite the red wire terminal. In the first box, this will be the black wire that you did not label as common. In the second box, this is a white wire with black paint or tape that indicates it’s being used as a hot wire.
  • Connect the white neutral wires in the first box to one another by twisting them together and securing them with a wire nut.
  • Twist the three ground wires together in the first box and secure them with a wire nut. Then, connect the end of the shortest ground wire to the green terminal on the switch.
  • Now, only the ground wire in the second box is left to connect—attach it to the switch’s brass or green terminal screw.

STEP 8: Replace the covers and test the switches

Once the wires are connected, secure the switches using two screws to the switch box and replace the switch plates. Flip the breaker that supplies power to the switches and test each switch by alternately turning one on and then the other one. Either switch will turn the light on or off, so the switch may be in either the up or down position to operate the light.


If the light doesn’t come on there could be a loose connection. Check to ensure that the wires are firmly attached to their respective terminals and that the white neutral wires in the first switch box are tightly twisted and covered with a wire nut.

RELATED: How to Replace a Light Switch

Waiting for Credit

Although bank wires are fast, they don’t always show up in the recipient’s account immediately. The receiving bank often has a queue of incoming bank wires, so it can take time to credit the ultimate payee.

This can be frustrating for large and important transfers, but it is normal. Sometimes a few phone calls will get you in touch with an individual who can verify the transfer was completed, but sometimes it's just a matter of waiting. Depending on when you submit instructions to your bank, they may complete your bank wire within 24-48 hours.

If you're the recipient and are concerned or confused about a bank wire, make sure you received a real wire transfer. To do so, speak with somebody at your bank to find out if the funds have “cleared,” and discuss any concerns you have about the transaction.

Can a Wire Transfer Be Canceled? 

Generally, when you initiate a wire transfer, the process of moving the money from your account to the recipient’s begins immediately. That’s assuming the transfer takes place during normal business hours. 

If the transfer is still showing in the bank’s processing system as “scheduled,” however, it may be possible to cancel the transaction. You may be able to do this through your online banking access or by calling a branch.

With international wire transfers, you might have a slightly longer time frame for canceling. For instance, you could have up to 30 minutes after initiating the transfer to ask your bank to cancel it. However, this policy can vary from bank to bank, so it’s important to check with your financial institution to see how cancellations are handled.