How to Track a Wire Through the Federal Reserve Bank

Make certain that a money wire transfer gets to the right place.

All wire transfers of money are processed through the Federal Reserve before being received by the beneficiary bank, the bank that is receiving the wired funds. While the process is completed electronically, the transfer is not immediate. The wire may take a few hours to be completed and received by the beneficiary. While there is no way to contact the Federal Reserve directly, you can still track the wire transfer from the time it is entered until it has been received by the beneficiary bank.


Step 1

Verify the beneficiary bank information before completing a wire request. Necessary information includes the bank name, physical address (not a P.O. Box), ABA routing number, and account number the funds are to be deposited into. Messages can also be attached to distinguish a wire from others that may be received into the same account number.

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Step 2

Make the wire transfer. The initiating bank who is sending the wire will provide a tracking or confirmation number. This information should also include online sites or telephone numbers if you would like to track the wire. If the initiating bank does not provide this information at the time of the wire, ask who the contact is for tracking the wire. Time frames for normal wiring should be discussed.


Step 3

Track your wire. Follow the initiating bank's instructions for tracking the wire. If you encounter extended delays and want to verify delivery, contact your initiating bank. The bank should be able to see if there were any rejected wire transfers. You may also contact the beneficiary bank to see if it has received notice of the wire transfer. Also, have the beneficiary bank check for wires with the same the dollar amount to see if the amount possibly went to the wrong account.

Things You'll Need

  • Beneficiary bank address, account number and routing numbers

  • Tracking or confirmation number