U S E R G U I D E

Wire and Internal Transfers

For Client Use Only Effective July 2019

Table of Contents
Overview 03

Before you start 03

Sign On to the Financial Center 06

Navigating Through Wire and Internal Transfers 08

Create Transfer 08

Domestic Wire 09

International Wire 17

Import Transfer File 48

Transfer Reporting 61

Templates 67

Set Preferences 76

Pending Items 80

Cutoff Times 84

Appendix 85
Overview

MUFG Union Bank, N.A. adds convenience and speed to your treasury management
processes with Wire and Internal Transfer Services. We have streamlined and simplified
our wire services so that you can initiate transfers—domestic or international, USD or
FX—in just minutes.

Before you start

This user guide will walk you through the step-by-step process on the following tasks:
• Create Transfer
• Import Transfer File
• Transfer Reporting
• Templates
• Set Preferences
• Pending Items

Self-Service Administration for Wire and Internal Transfers Access

Contracting Officers or Web Administrations may enroll, edit, or delete user entitlements
to Wire and Internal Transfers through the Administration Console in the Financial Center.
Wire and Internal Transfers may be entitled to all users or selected users; including full or
selected access to individual accounts.

User entitlements include:

• Create Wire
• Create Templates
• Submit International Wires
• Approve Wire
• Approve Templates
• Set Dollar Limits
• Review Reports
• Submit Repetitive Transfers without Additional Approval
• Set Wire Limit
• Delete Wires
• Submit Intra-Company Transfers
• Assign Security Token

Wire and Internal Transfers  3

4  Wire and Internal Transfers
Setting up Alerts for Wire Activity
Contracting Officers or Web Administrations may enroll, edit, or delete user entitlements to
Alerts through the Administration Console in the Financial Center. Alerts may be entitled to
all users or selected users; including full or selected access to individual accounts.

Wire and Internal Transfers  5

Sign On to the Financial Center

Sign on to the Financial Center from www.sso.unionbank.com.

Enter your User ID.

Click Next.

Enter Password.

Click Submit.

6  Wire and Internal Transfers

 Click Wire and Internal Transfers.

The Financial Center will display.

Wire and Internal Transfers  7

Navigating Through Wire and Internal Transfers

The Wire and Internal Transfers home screen will display access to the wires entitlements in
which you are enrolled in.

OPTIONS FUNCTIONALITY
Create Transfer Create an individual or a batch of up to 25 wires at a time.
Available wire types consist of:
• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer
Import Transfer File Import multiple transfer files in a single upload

Transfer Reporting Retrieve 60 days of wire reports

Templates Create Templates, Create Template Report, and Search of Templates

with the option to Edit, Copy, or Delete a template

Set Preferences Set your individual user preferences with options to Rename Accounts,
Reorder Accounts, and Show/Hide Fields that Contain No Data
Help Access the Wire and Internal Transfers User Guide

Return to My Services Return to the Financial Center

Pending Items Approve pending wires and templates

Broadcast Message Displays important information pertaining to Wires and

Internal Transfers

Create Transfer

Create a single or a batch of domestic and/or international wire transfers quickly and easily.
• Create a Single Transfer: Create and submit one wire at a time
• Create a Batch of Transfers: Create up to 25 wire transfers and submit the entire batch
at once
Note: A batch can contain both free-form and template-based transfers of any type—
including U.S. dollar and foreign currency international wires. Available wire types:
• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

8  Wire and Internal Transfers

Domestic Wire

Create a Single Free-form Transfer

Note: For assistance with the field definitions please see the Comprehensive Field
Definitions located in the Appendix.

Wire and Internal Transfers  9

 Click Create Transfer.

Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a
single transfer from a template.

Select the Type of transfer:

• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

Select the Debit Account.

Enter the Amount.

Select the Send Date. Wires may be future dated up to 30 business days in advance.

Enter the Beneficiary Bank information:

• ABA Number (a Search function is available for ABA and Bank Name assistance)
• Bank Name
• City, State, and Country

Enter the Beneficiary information:

• Account Number
• Name
• Address
• City and State
• Country

Important information regarding the Beneficiary:

• Beneficiary Name and Address fields are limited to 33 characters and City/State field
to 30 characters. One additional line of 33 characters can be added by clicking the
(+) sign next to either of the field.
• The country information is a separate field. Please use the search option to ensure
correct Country is selected.
• When prioritizing beneficiary information, Beneficiary Name and City are required.
The address is for informational purposes only.
• Beneficiary names should not be abbreviated except when indicating standard
business entity type (e.g., Co, Ltd., and Inc.).
• Use standard abbreviations for States (e.g., CA for California).
• If a line break is necessary when entering the information, ensure the line break does
not separate a word. Separated words may result in delays or cancellation of the
wire request.

Enter the Beneficiary Reference (16-character limit).

Enter Payment Details (140-character limit). Valid characters include all alphanumeric
characters and + – ( ) . : ‘ { } blank.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to
expand the section.

10  Wire and Internal Transfers

 Enter the Intermediary Bank information:
• ABA Number (a Search function is available for ABA and Bank Name assistance)
• Bank Name
• City, State, and Country

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfer.

Select Submit Transfer. The transfer will be added to the Pending Items for approval.

Select Review Transfer.

Selecting Review Transfer will display the Review Transfer screen; validate the information
for accuracy before selecting Submit Transfer.

Wire and Internal Transfers  11

 If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Transfer. The transfer will be added to the Pending Items for approval.

The Transfer Creation Confirmed screen will display with the transfer status and the
options to:
• Print
• Create Another Transfer
• Create Template from this Transfer

Create a Template from a Transfer

 elect Create Template from this Transfer. All fields marked with an asterisk (*) require
S
an entry.

12  Wire and Internal Transfers

The Save As Template screen will display.

Wire and Internal Transfers  13

 Enter a unique identifier in the Template ID (20-character limit with no spaces).

Enter the Template Name (35-character limit).

Select the Debit Account.

Select the Amount:

• Allow any amount up to the transfer limit. Enter a transfer limit in the field.
• Always use this amount

Confirm the Beneficiary Bank:

• Always use the same beneficiary
• Leave blank (will be required at entry)

Confirm Beneficiary:
• Always use the same beneficiary
• Allow text to be added to the beneficiary address only (optional at entry)
• Leave blank (will be required at entry)

Confirm Beneficiary Reference:

• Always use the same Beneficiary Reference
• Leave blank (will be optional at entry)

Confirm Payment Details:

• Always use the above text
• Allow text to be added to above (optional at entry)
• Leave blank (all text will be optional at entry)
• Disable (field will not appear on transfer)

Select the Number of Approvers (up to 5 additional approvers). Selecting “None” as the
number of approvers will automatically approve and release the transfer, when created
from this template, if the user submitting the transfer has approval entitlements.

Note: The template will also need to be approved before use.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to
confirm the information.
• Always use the same Intermediary Bank
• Leave blank (will be optional at entry)

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the template.

Select Submit Template. The template will be added to the Pending Items for approval.

Select Review Template.

14  Wire and Internal Transfers

 Selecting Review Template will display the Review Template screen; validate the
information for accuracy before selecting Submit Template.

If the transfer requires updates, select Edit and make the necessary updates.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Template. The template will be added to the Pending Items for approval.

Wire and Internal Transfers  15

The Template Creation Confirmed screen will display.

16  Wire and Internal Transfers

International Wire

Create a Single Free-form International Transfer

Click Create Transfer.

Wire and Internal Transfers  17

 Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a single
transfer from a template.

Select the Type of transfer:

• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

Select the Debit Account.

If this is a Dodd-Frank wire, select the checkbox entitled Transfer is for personal, family,
or household purposes, if applicable.

Select the Amount Type:

• Credit Amount
• Debit Amount

Note: Amount Type provides the ability to specify the USD-equivalent amount on an
international FX wire, and allows the user to enter either the Debit Amount or Credit
Amount when creating international wires. The user will be able to enter either the
Debit Amount in USD or the Credit Amount in either USD or a foreign currency.

Enter the Amount.

Select the Credit/Debit Currency from the dropdown. If specific rules apply to the
currency selected, click the View Rules link.

Select the Send Date.

Select the Value Date. This Value Date may differ from the Send Date due to the
destination on the Wire.

Note: The default Value Date shown is based on the selected Send Date and Currency.
Changes to the date must adhere to the rules associated with both the currency
and selected account. For example, the earliest Value Date for many currencies is
2 business days after the Send Date. Additional Consideration is given to international
holidays for the selected currency.

If using an existing Contract Number, enter the Contract Number and click Get Rate.
The contract rate and calculated debit amount will be displayed.

Note: The optional “Contract Number” field refers to the FX trade/ticket number. Please
provide the FX contract number if you have executed one already or leave the field
blank and click the “Get Rate” button to request one.

If a foreign exchange rate is required, select the Get Rate link to obtain a real-time rate.
The amount will be calculated.
• A time sensitive rate will display in the Exchange Rate Information.
• Clicking Accept Rate enters your company into a legally binding Foreign Exchange
contract with MUFG Union Bank, N.A.
• Once accepted, the rate and affected data cannot be changed.

Note: Certain foreign currencies have special processing rules associated with them. If
this is the case, you can click View Rules to see the processing rules and requirements
specific to the foreign currency.
18  Wire and Internal Transfers
 SWIFT Code (a Search function is available for SWIFT Code and Bank Name assistance)
• Bank Name
• City, State, and Country

View IBAN formats: The International Bank Account Number (IBAN) is typically used
for payments going to any other countries that use the EURO as their main currency.
If you have a beneficiary in any of these countries, he/she must provide the IBAN, so
the international wire transfer will be processed correctly. The IBAN is entered in the
Account Number field. The View IBAN formats link will show you the IBAN format for
each of the eurozone countries. You should not try to reconstruct the IBAN based on
the BIC Code and the account number. Only your beneficiary can provide you with
his/her correct IBAN number.

Enter the Beneficiary information:

• Account Number (If entering an IBAN, click the View IBAN formats for assistance)
• Name
• Address
• City and State
• Country

Important information regarding the Beneficiary:

• Beneficiary Name and Address fields are limited to 33 characters and City/State field
to 30 characters. One additional line of 33 characters can be added by clicking the
(+) sign next to either of the field.
• The country information is a separate field. Please use the search option to ensure
correct Country is selected.
• When prioritizing beneficiary information, Beneficiary Name and City are required.
The address is for informational purposes only.
• Beneficiary names should not be abbreviated except when indicating standard
business entity type (e.g., Co, Ltd., and Inc.).
• Use standard abbreviations for States (e.g., CA for California).
• If a line break is necessary when entering the information, ensure the line break does
not separate a word. Separated words may result in delays or cancellation of the
wire request.

Enter the Beneficiary Reference (16-character limit).

Enter Payment Details (140-character limit). Valid characters include all alphanumeric
characters and + – ( ) . : ‘ { } blank

Select the International Fees type to define which party in the transaction will pay
the international fees and other bank charges incurred for each transfer. International
fees (also known as commission charges) are common in many international wires.
These are fees charged by the intermediary banks to process a wire transfer through
their bank.
• If “Shared” is selected, the charges are shared between the beneficiary and the sender.
• If “Ours” is selected, no intermediary fees apply, and the sender pays all charges.
If you select this option, additional fees will be charged to your account.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to
expand the section.

Wire and Internal Transfers  19

 Enter the Intermediary Bank information:
• ABA—For a domestic bank selection
• SWIFT—For a foreign bank selection
• TEXT Number—For free-form input of Bank Name and Address fields only
• Search function is available for ABA, SWIFT, or TEXT and Bank Name assistance
• Bank Name
• City, State, and Country

Note: MUFG Union Bank, N.A., will choose the intermediary bank to deliver international
wire payments. In some cases, your beneficiary will provide the specific intermediary
bank to use for payments. MUFG Union Bank, N.A., may choose to route the wire
transfer through an alternate intermediary bank to expedite processing or if the
instructions provided are not correct.

Dodd-Frank Wires

International remittance transfers that are sent for personal, family, or household
purposes are governed by the Dodd-Frank regulations. These transfers will require the
following additional fields to be completed during wire creation:
• Sender Name is required
• Beneficiary Name is required
• Fees and Taxes are required. Select Get Fees and Taxes to populate this section
• International Fees are fixed to Ours

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfer.

Select Submit Transfer. The transfer will be added to the Pending Items for approval.

Select Review Transfer.

20  Wire and Internal Transfers

 Selecting Review Transfer will display the Review Transfer screen; validate the
information for accuracy before selecting Submit Transfer.

If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Transfer. The transfer will be added to the Pending Items for approval.

Wire and Internal Transfers  21

The Transfer Creation Confirmed screen will display.

22  Wire and Internal Transfers

Create an Intra-Bank Book Transfer
If the Beneficiary is located at MUFG Union Bank, N.A., you can send an Intra-Bank (Book)
transfer. Book transfers are settled on a real-time basis.

Click Create Transfer.

Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a single
transfer from a template.

Select the Type of transfer:

• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

Wire and Internal Transfers  23

 Select the Debit Account.

Enter the Amount.

Select the Send Date. Wires may be future dated up to 30 business days in advance.

Enter the Beneficiary information:

• Union Bank® Account Number
• Account Name

Enter Payment Details (140-character limit). Valid characters include all alphanumeric
characters and + – ( ) . : ‘ { } blank

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfer.

Select Submit Transfer. The transfer will be added to the Pending Items for approval.

Select Review Transfer.

Selecting Review Transfer will display the Review Transfer screen; validate the information
for accuracy before selecting Submit Transfer.

If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Transfer. The transfer will be added to the Pending Items for approval.

24  Wire and Internal Transfers

The Transfer Creation Confirmed screen will display.

Wire and Internal Transfers  25

Create Intra-Company Transfer
Intra-Company transfers are transfers between your MUFG Union Bank, N.A., accounts.
Intra-Company transfers settle on a real-time basis and require a security token to complete.

Select Create Transfer.

Select Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a single
transfer from a template.

Select the Type of transfer:

• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

Enter the Amount.

Select the Send Date. Transfers may be future dated up to 20 business days in advance

Select the Debit Account (From).

Select the Credit Account (To).

It is highly recommended you thoroughly review all data for accuracy before submitting
the transfer.

26  Wire and Internal Transfers

 Select Submit Transfer. You will be prompted to enter the token Passcode for approval.

Select Review Transfer.

Selecting Review Transfer will display the Review Transfer screen; validate the information
for accuracy before selecting Submit Transfer.

If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the transfer instructions have been confirmed, click Submit Transfer. You will be
prompted to enter the token Passcode for approval.

Wire and Internal Transfers  27

Create International Request for Transfer
You can create international requests for transfer in U.S. dollars or a foreign currency.

28  Wire and Internal Transfers

 Click Create Transfer.

Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a single
transfer from a template.

Select the Type of transfer:

• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

Select the Debit Account.

Enter the Amount.

Select the Send Date. The Req. Execution Date will populate.

If you are sending an International Request for Transfer in foreign currency, enter the FX
Deal Reference if applicable.

Select the Instructions Code and Detail:

• CMSW
• CMTO
• CMZB
• OTHR
• PHON
• RTGS
• URGP

Note: Real Time Gross Settlement (RTGS) is the recommended code. Select URGP for
time-sensitive payments.

Enter the Beneficiary Bank:

• SWIFT Code or Bank Name (a Search function is available for SWIFT Code and Bank
Name assistance)
• Address
• City, State, and Country

View IBAN formats: The International Bank Account Number (IBAN) is typically used
for payments going to any other countries that use the EURO as their main currency.
If you have a beneficiary in any of these countries, he/she must provide the IBAN, so
the international wire transfer will be processed correctly. The IBAN is entered in the
Account Number field. The View IBAN formats link will show you the IBAN format for
each of the eurozone countries. You should not try to reconstruct the IBAN based on
the BIC Code and the account number. Only your beneficiary can provide you with
their correct IBAN number.

Enter the Beneficiary information:

• Account Number (If entering an IBAN, click the View IBAN formats for assistance)
• Account Name
• Address

Wire and Internal Transfers  29

 • City, State
• Country

Important information regarding the Beneficiary:

• Beneficiary Name and Address fields are limited to 33 characters and City/State field
to 30 characters. One additional line of 33 characters can be added by clicking the
(+) sign next to either of the field.
• The country information is a separate field. Please use the search option to ensure
correct Country is selected.
• When prioritizing beneficiary information, Beneficiary Name and City are required.
The address is for informational purposes only.
• Beneficiary names should not be abbreviated except when indicating standard
business entity type (e.g., Co, Ltd., and Inc.).
• Use standard abbreviations for States (e.g., CA for California).
• If a line break is necessary when entering the information, ensure the line break does
not separate a word. Separated words may result in delays or cancellation of the
wire request.

Enter the Beneficiary Reference (16-character limit).

Enter the Customer Reference.

Enter the Originator to Beneficiary information.

Select the International Fees type to define which party in the transaction will pay
the international fees and other bank charges incurred for each transfer. International
fees (also known as commission charges) are common in many international wires.
These are fees charged by the intermediary banks to process a wire transfer through
their bank.
• If “Shared” is selected, the charges are shared between the beneficiary and the sender.
• If “Ours” is selected, no intermediary fees apply, and the sender pays all charges.
If you select this option, additional fees will be charged to your account.

Enter the Regulatory Reporting.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to
expand the section.

Enter the Intermediary Bank information:

• ABA—For a domestic bank selection
• SWIFT—For a foreign bank selection
• TEXT Number—For free-form input of Bank Name and Address fields only
• Search function is available for ABA, SWIFT, or TEXT and Bank Name assistance
• Bank Name
• City, State, and Country

Note: MUFG Union Bank, N.A., will choose the intermediary bank to deliver international
wire payments. In some cases, your beneficiary will provide the specific intermediary
bank to use for payments. MUFG Union Bank, N.A., may choose to route the wire
transfer through an alternate intermediary bank to expedite processing or if the
instructions provided are not correct.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfer.

30  Wire and Internal Transfers

 Select Submit Transfer. The transfer will be added to the Pending Items for approval.

Select Review Transfer.

Selecting Review Transfer will display the Review Transfer screen; validate the information
for accuracy before selecting Submit Transfer.

If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Transfer. The transfer will be added to the Pending Items for approval.

Wire and Internal Transfers  31

The Transfer Creation Confirmed screen will display

Create a transfer from a template

Click Create Transfer.

Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Click Select Templates.

32  Wire and Internal Transfers

The Template Search screen will display.

Enter the necessary template information.

• Template ID
• Type
• Account
• Created By

Note: Leave the search criteria fields as the default settings and click Search to view a
full list of available templates.

Click Search.

The respective templates will display. Click on the line item corresponding to the
desired template.

Wire and Internal Transfers  33

The template will display.

Enter the required fields.

It is highly recommended you thoroughly review all data for accuracy before submitting
the transfer.

Select Submit Transfer. You will be prompted to enter the token Passcode for approval.

Select Review Transfer.

34  Wire and Internal Transfers
Selecting Review Transfer will display the Review Transfer screen; validate the information
for accuracy before selecting Submit Transfer.

If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Transfer. The transfer will be added to the Pending Items for approval.

Wire and Internal Transfers  35

The Transfer Creation Confirmed screen will display.

Create a Batch of Transfers

36  Wire and Internal Transfers

Note: Batch transfers not submitted by the send date are retained for 5 business days. The
retention period may differ by company.

Click Create Transfer.

Click Create a Batch of Transfers. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a single
transfer from a template.

Select the Type of transfer:

• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Intra-Company
• International Request for Transfer

Enter the required information in the data fields.

Note: For assistance with the field definitions please see the Comprehensive Field
Definitions located in the Appendix.

Select Add this Transfer to Batch. The transfer will be added to the Transfer Batch to
the right of the data fields.

Repeat steps 3–5 until all transfers have been added to the batch.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfers.

If a transfer requires updates, select Edit or Delete as appropriate.

Select Submit Transfers. The transfers will be added to the Pending Items for approval.

Select Review Transfers.

Wire and Internal Transfers  37

Selecting Review Transfers will display the Review Transfers screen; validate the information
for accuracy before selecting Submit Transfers.

38  Wire and Internal Transfers

 Select a print option for the transfer information:
• Print Transfer (one per page) to print each transfer on its own page
• Print Transfers with Detail (continuous) to print multiple transfers on a page.

If a transfer requires updates, select Edit or Delete as appropriate.

Once the transfer instructions and the beneficiary have been confirmed, click Submit Transfer.

IF SUBMITTING AN INTRA-COMPANY TRANSFER IF SUBMITTING ALL OTHER TRANSFERS

The approval screen will display prompting for the Security
Token to be entered for approval.
1. Enter the token Passcode.
2. Select Submit. The Intra-Company transfer will be
submitted for processing.
3. Select Cancel to cancel the transfer.
The Transfer Creation Confirmed screen will display with the option to
Create Another Transfer. The transfers will be added to the Pending Items
for approval.
1. Select Print Transfers to print the transfer information.
2. Select Create Another Transfer to create additional transfers.

Wire and Internal Transfers  39

Create a Drawdown Transfer
Access to Drawdown wires must be specifically requested at the account level and created
by a template. Therefore, a user initiating a Drawdown wire must have access to Templates
and Drawdown Wires.

Create a Drawdown Template

Click Templates.

Click Create Template.

40  Wire and Internal Transfers

The Create Template screen will display.

Wire and Internal Transfers  41

Note: For assistance with the field definitions please see the Comprehensive Field
Definitions located in the Appendix.

Select Drawdown Wire in the Transfer Type.

Enter a unique identifier in the Template ID (20-character limit, and no spaces permitted).

Enter the Template Name (35-character limit).

Select the Credit Account.

Select the Amount:

• Allow any amount up to the transfer limit. Enter a transfer limit in the field.
• Always use this amount

Select the Debit (Drawdown) Bank. A Search function is available for ABA and Bank
Name assistance.

Enter the Debit (Drawdown) Party:

• Account Number
• Account Name
• Address
• City, State
• Country

Select the Payment Details:

• Always use the above text
• Allow text to be added to above (optional at entry)
• Leave blank (all text will be optional at entry)
• Disable (field will not appear on transfer)

Select the Number of Approvers (up to 5 additional approvers). Selecting “None” as the
number of approvers will automatically approve and release the transfer, when created
from this template, if the user submitting the transfer has approval entitlements.

Note: The template will also need to be approved before use.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the template.

Select Submit Template. The template will be added to the Pending Items for approval.

Select Review Template.

42  Wire and Internal Transfers

Selecting Review Template will display the Review Template screen; validate the information
for accuracy before selecting Submit Template.

If the transfer requires updates, select Edit and make the necessary updates.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Template. The template will be added to the Pending Items for approval.

Wire and Internal Transfers  43

The Template Creation Confirmed screen will display.

Once the Drawdown Template is created, another wire user with approval entitlements will
need to approve the pending drawdown template before initiating a drawdown wire.

44  Wire and Internal Transfers

Creating a Drawdown Wire

Click Create Transfer.

Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Click Select Templates.

The Template Search screen will display.

Enter the necessary template information.

• Template ID
• Type
• Account
• Created By

Wire and Internal Transfers  45

Note: Leave the search criteria fields as the default settings and click Search to view a full
list of available templates.

Click Search.

The respective templates will display. Click on the line item corresponding to the
desired template.

The template will display.

Enter the required fields.

It is highly recommended you thoroughly review all data for accuracy before submitting
the transfer.

Select Submit Transfer. You will be prompted to enter the token Passcode for approval.

Select Review Transfer.

46  Wire and Internal Transfers

Selecting Review Transfer will display the Review Transfer screen; validate the information
for accuracy before selecting Submit Transfer.

If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit Transfer.
The transfer will be added to the Pending Items for approval.

Wire and Internal Transfers  47

Import Transfer File

Import multiple transfer files in a single upload.

Upload an import file using the default template.

Click Import Transfer File. All fields marked with an asterisk (*) require an entry.

To view a sample of an import file, click View Sample File Templates in CSV Format,
select Download, and open the file.

Note: For assistance with the wire import field definitions please see the Wire Import
Field Definitions located in the Appendix.

Browse and locate the file to import.

Select Default Template in the File Template drop-down if the file was created from a
CSV Sample File Template.

Enter the Number of Items to be imported.

Select Import File.

Note: Files must be uploaded by 2:45 p.m. PT on business days, except for book
transfers which must be uploaded by 3:30 p.m. PT on business days. Future-dated
wires must be uploaded by 11:30 p.m. PT on the day prior to the send date of the wires.

48  Wire and Internal Transfers

The Import Transfer File Summary will display.

Select Import Another Transfer File to continue importing additional files.

Select View Files Pending Submission to review, edit, or submit transfer files that have
been imported.

The Imported Transfer Files Pending Submission will display.

Note: Any discrepancies such as an incorrect total, invalid transfer data, or duplication of a
file or an item will be displayed with a red exclamation point (!). For assistance/examples of
discrepancies, please see the Exceptions section.

Click Delete to delete the file that was imported.

Click the File Name to review, edit, delete, or submit the file(s) for approval.

Wire and Internal Transfers  49

Selecting a File Name will display the File Transfer Summary. If there is more than one file to
process, each file will have to be reviewed and submitted separately.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfers for approval.
Viewing the File Transfer Summary:

Review the details of a specific transfer within the file by checking the box
corresponding to the transfer(s) or view details on all transfers by selecting the
“Check All” box and clicking Review Selected.

Select Return to Import Files to return to the Imported Transfer Files Pending
Submission. The file will not be submitted for approval until you click Submit File
for Approval.

Select Submit File for Approval to submit the transfers for approval.

50  Wire and Internal Transfers

The Review Imports screen will display. Confirm the totals for accuracy.

Select Submit File for Approval. The transfer(s) will be added to the Pending Items for
subsequent approval.

Select Cancel to cancel the import.

Note: Files must be submitted for approval by 2:55 p.m. PT on business days, except for
book transfers which must be uploaded by 3:45 p.m. PT on business days. Future-dated
wires must be uploaded by 11:45 p.m. PT on the day prior to the send date of the wires.

Wire and Internal Transfers  51

The Imported Transfers Files Submitted for Approval—Confirmation will display.

Select Import Transfer File to continue importing additional files.

Select Return to Files Pending Submission to view all imported transfer files.

Note: The Number of imported wires approved, the Number of imported wires submitted
for additional approval, and Number of imported wires that failed will be displayed with
their respective wire totals.

52  Wire and Internal Transfers

Create a New Template for an Import File
Import file templates can be created at any time via the File Template sub-tab. You can
download the default file template which supports domestic, international USD, and book
transfers, or, create a custom file tempalte. Custom file templates in CSV format can be
tailored to support the specific wire types and fields that you use. You can exclude optional
fields which are not used.

Select Import Transfer File. All fields marked with an asterisk (*) require an entry.

Select View Sample File Templates in CSV Format.

The Maintain File Templates will display.

Wire and Internal Transfers  53

 To view a sample template, click Download and Open the file.

Note: For assistance with the wire import field definitions please see the Wire Import
Field Definitions located in the Appendix.

Click Create New File Template.

The available import fields will display. All fields marked with an asterisk (*) will be required
in the file when importing.

Enter the File Template Name.

In the Transfer Types section, highlight the type of transfer(s) that will be contained in
the file.

Move the Available transfer types over to the Selected types:

• Click the double arrow >> to move all transfer types over to the selected types.
• Click the single arrow > to move individual transfer types over to the selected types.

54  Wire and Internal Transfers

Depending on the Transfer Types selected, the corresponding Transfer Fields will
display below.

In the Transfer Fields section, highlight the additional transfer fields that will be
contained in the file.

Move the Available transfer types over to the Selected types:

• Click the double arrow >> to move all transfer types over to the selected types.
• Click the single arrow > to move individual transfer types over to the selected types.

Click Submit to submit the template for use.

Select Cancel to cancel the template.

Wire and Internal Transfers  55

Clicking submit will display the Maintain File Templates with the newly created template.

Click Create New File Template to create another import template.

Click Download to begin using the import template.

Click Edit to make changes to the template.

Click Delete to delete the template.

Upload an import file from a newly created template.

56  Wire and Internal Transfers

 Select Import Transfer File. All fields marked with an asterisk (*) require an entry.

Browse and locate the file to import.

Select the template in the File Template dropdown.

Enter the Number of Items to be imported.

Select Import File.

Note: Files must be uploaded by 2:45 p.m. PT on business days, except for book transfers
which must be uploaded by 3:30 p.m. PT on business days. Future-dated wires must be
uploaded by 11:30 p.m. PT on the days prior to the send date of the wires.
The Import Transfer File Summary will display.

Select Import Another Transfer File to continue importing additional files.

Select View Files Pending Submission to view all transfer files that have been imported.

Wire and Internal Transfers  57

The Imported Transfer Files Pending Submission will display.

Note: Any discrepancies such as an incorrect total, invalid transfer data, or duplication of a
file or an item will be displayed with a red exclamation point (!). For assistance/examples of
discrepancies, please see the Exceptions section.

Click Delete to delete the file that was imported.

Click the File Name to review, edit, delete, or submit the file(s) for approval.

Selecting a File Name will display the File Transfer Summary. If there is more than one file to
process, each file will have to be reviewed and submitted separately.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the transfers for approval.
Viewing the File Transfer Summary:

Review the details of a specific transfer within the file by checking the box
corresponding to the transfer(s), or view details on all transfers by selecting the “Check
All” box and clicking Review Selected.

58  Wire and Internal Transfers

 Select Return to Import Files to return to the Imported Transfer Files Pending
Submission. The file will not be submitted for approval until you click Submit File
for Approval.

Select Submit File for Approval to submit the file for approval. The transfer(s) will be
added to the Pending Items for approval.

The Review Imports screen will display. Confirm the totals for accuracy.

Select Submit File for Approval. The transfer(s) will be added to the Pending Items
for approval.

Select Cancel to cancel the import.

Wire and Internal Transfers  59

The Imported Transfers Files Submitted for Approval—Confirmation will display.

Select Import Transfer File to continue importing additional files.

Select Return to Files Pending Submission to view all imported transfer files.

Note: The Number of imported wires approved, the Number of imported wires submitted
for additional approval, and Number of imported wires that failed will be displayed with
their respective wire totals.

60  Wire and Internal Transfers

Transfer Reporting

Create transfer reports or search for specific transfers in a summary or detailed view.

Create a Transfer Report

Select Transfer Reporting.

Select Create Transfer Report.

Select the Type of transfer report you would like to create.

• All
• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Drawdown Wire
• Intra-Company
• International Request for Transfer

Wire and Internal Transfers  61

 Select the Account.
• Select All Accounts
• To limit the report to specific accounts, click the boxes corresponding to the account(s).

Select the Status:

• Requires Approval—Not yet submitted to the bank for processing
• Submitted to Bank—Fully approved and submitted to the bank for processing
• Deleted—Deleted from the Pending List
• Expired—Not approved by the Send Date cutoff time
• Rejected—Approved and submitted to the bank but rejected
• Confirmed—Successfully executed by the bank
• Pending Confirmation—Executed by the bank and awaiting status of either Confirmed or Rejected.
Note: This is the final status for Drawdown Wires unless Rejected.

Select Created By:

• All—All users
• Me (User)—Transfers only created by you

If applicable, enter the Amount.

Enter the Date or select the date from the calendar icon:
• Entry Date—View transfers created on a specific date—from today through the last 60 calendar days.
• Send Date—View transfers sent on a specific date—including the current business day, last 60 calendar days,
or 30 business days in the future.

Note: To view transfers over a range of dates, click the Search for Transfer feature.

Choose Report Format:

• Summary Report—View a summary of all transfers within the search criteria. You will have an option to view individual
transfer details by selecting the Type/ID of a specific wire.

Available download options:

– Adobe Acrobat 7.0 Document (*.pdf) format
– Rich Text (*.rtf) format
– Comma-Delimited (*.csv) format
– Microsoft Excel (*.xls) form
• Detail Report—View a listing of all transfers within the search criteria, displaying all detailed information.

Available download options:

– Adobe Acrobat 7.0 Document (*.pdf) format (one wire per page)
– Adobe Acrobat 7.0 Document (*.pdf) format (continuous wires per page)
– Rich Text (*.rtf) format (one wire per page)
– Rich Text (*.rtf) format (continuous wires per page)
– Comma-Delimited (*.csv) format
– Microsoft Excel (*.xls) format
• Consumer International Transfer Report—If applicable, transfer details are displayed in PDF format with disclosures
required by the Dodd-Frank regulations.

62  Wire and Internal Transfers

 Select View Report.

SAMPLE OF A SUMMARY REPORT SAMPLE OF A DETAIL REPORT

Wire and Internal Transfers  63

Search for Transfer
Search for a specific transfer(s).

Select Transfer Reporting.

Select Search for Transfer.

64  Wire and Internal Transfers

 Select the Type of transfer report you would like to create.
• All
• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Drawdown Wire
• Intra-Company
• International Request for Transfer

Select the Date Type/Date(s).

• Entry Date
–– Date
–– Or Date Range
• Send Date
–– Date
–– Or Date Range
• Value Date
–– Date
–– Or Date Range

Enter the Amount or Amount Range.

Enter the Sequence Number or Number Range.

Select Created By:

• All—All users
• Me (User)—Transfers only created by you

Select the Account.

• Select All Accounts.
• To limit the report to specific accounts, click the boxes corresponding to
the account(s).

Click Search.

Wire and Internal Transfers  65

The search results will display. Click the Amount of a specific transfer to view and print
the details.

66  Wire and Internal Transfers

Templates

Create Template

Click Templates.

Click Create Template.

Wire and Internal Transfers  67

The Create Template screen will display.

Select the Transfer Type.

Enter a unique identifier in the Template ID (20-character limit with no spaces allowed).

68  Wire and Internal Transfers

 Enter the Template Name (35-character limit).

Select the Debit Account (or the Credit Account for a Drawdown wire).

Select the Amount:

• Allow any amount up to the transfer limit. Enter a transfer limit in the field.
• Always use this amount

If creating an International Wire, select the Credit Currency: Always use or leave blank
(will be required at entry).

Select the Beneficiary Bank:

• Always use the same Beneficiary Bank (Drawdown wire templates require fixed
bank information)
• Leave blank (will be required at entry)

Select Beneficiary:
• Always use the same Beneficiary Bank
• Allow text to be added to the beneficiary address only (optional at entry)
• Leave blank (will be required at entry)

Select Beneficiary Reference (Domestic, International, and International Request for

Transfers only):
• Always use the same Beneficiary Reference
• Leave blank (will be optional at entry)

Select Payment Details:

• Always use the above text
• Allow text to be added to above (optional at entry)
• Leave blank (all text will be optional at entry)
• Disable (field will not appear on transfer)

If creating an International Wire, select the International Fees. Select the International
Fees type to define which party in the transaction will pay the international fees
and other bank charges incurred for each transfer. International fees (also known as
commission charges) are common in many international wires. These are fees charged
by the intermediary banks to process a wire transfer through their bank.
• Always use:
–– Shared—The charges are shared between the beneficiary and the sender
–– Ours (no intermediary fees apply)—The sender pays all charges. If you select this
option, additional fees will be charged to your account
• Allow Change (will be optional at entry)

Select the Number of Approvers (up to five additional approvers). Selecting “None”
as the number of approvers will automatically approve and release the transfer, when
created from this template, if the user submitting the transfer has approval entitlements.

Note: The template will also need to be approved before use.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to
confirm the information.
• Always use the same Intermediary Bank
• Leave blank (will be optional at entry)

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the template.

Wire and Internal Transfers  69

 Select Submit Template. The template will be added to the Pending Items for approval.

Select Review Template.

Selecting Review Template will display the Review Template screen; validate the information
for accuracy before selecting Submit Template.

If the transfer requires updates, select Edit and make the necessary updates.

Once the wire instructions and the beneficiary have been confirmed, click Submit
Template. The template will be added to the Pending Items for approval.
70  Wire and Internal Transfers
The Template Creation Confirmed screen will display.

Create Template Report

View summary or detail information for both active and pending templates.

Click Templates.

Click Create Template Report.

Wire and Internal Transfers  71

The Create Template Report screen will display.

Select the Type of Template Report you would like to create:

• All
• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Drawdown Wire
• Intra-Company
• International Request for Transfer

Select the Account.

• Select All Accounts
• To limit the report to specific accounts, click the corresponding boxes.

Enter the Template ID.

72  Wire and Internal Transfers

 Select the Status:
• All
• Available
• Pending
• Deleted

Selected Created By:

• All—All users
• Me (User)—Templates only created by you

Enter the Date or select the date from the calendar icon:
• Last Updated Date
• Date Range

Choose Report Format:

• Summary Report—View a summary of all templates within the search criteria.

You will have an option to print and view individual template details by selecting
the Template ID of a specific template.
• Detail Report—View a listing of all templates within the search criteria, displaying all
detailed information.
– Available print options:
º Print one template per page
º Print continuous templates per page

– Available sort options:

º Template ID [ascending (default)]
º Account Number (ascending)
º Type

Click View Report.

Search for Template (Edit/Copy/Delete)

Find an active template to edit, copy (to create a new template), or delete. Access the
Pending Items to modify or delete templates pending approval.
Note: Any changes to a template must be approved by another user before the template
can be used.

Click Templates.

Click Search for Template (Edit/Copy/Delete).

Wire and Internal Transfers  73

The Template Search screen will display.

Enter the Template ID.

Select the Type of Template Report you would like to create:

• All
• Domestic Wire
• International Wire
• Intra-Bank (Book)
• Drawdown Wire
• Intra-Company
• International Request for Transfer

Select the Account.

Selected Created By:

• All—All users
• Me (User)—Templates only created by you

Click Search.

A listing of all templates within the search criteria will display. Click on the line item
corresponding to the desired template.

74  Wire and Internal Transfers

 Select Edit.
• The requested template will populate.
• Enter the necessary changes.
• It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the template.
• Select Submit Template. The template will be added to the Pending Items
for approval.
• Select Review Template.
• Selecting Review Template will display the Review Template screen; validate the
information for accuracy before selecting Submit Template.

Select Copy: You can copy an active (approved) template to create a new template with
similar values.
• The Create New Template from Copy will display values copied over from the
original template.
• Enter a unique identifier in the Template ID field.
• Enter the necessary changes.
• It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting the template.
• Select Submit Template. The template will be added to the Pending Items queue
for approval.
• Select Review Template.
• Selecting Review Template will display the Review Template screen; validate the
information for accuracy before selecting Submit Template.

Select Delete to delete the template. Click Yes or No in the dialog box.

Wire and Internal Transfers  75

Set Preferences

Set your individual user preferences with options to Rename Accounts, Reorder Accounts,
and Show/Hide Fields that Contain No Data.

Set preferences

Rename Accounts
You can assign preferred names to accounts for easier identification in drop-down lists.
Note: Your account renaming does not affect other users or the display of account names
in reports.

Enter the Preferred Account Name.

Click the Save Preferred Account Names.

76  Wire and Internal Transfers
Note: To keep the accounts actual default name, leave the entry field blank.

The Account Rename Confirmed will display.

Reorder Accounts
You can define a preferred account order for easier selection from the drop-down list.
Note: To place your most frequently used accounts at the top of the drop-down list, choose
sort by Account Name and use Rename Accounts to create custom account names.

Select the preferred option from the Always sort by drop-down:

• Account Number—Accounts are listed in ascending account number order
• Account Name—Accounts are listed alphabetically

Click Save New Account Order.

Wire and Internal Transfers  77

The Account Reorder Confirmed will display.

Show/Hide Fields that Contain No Data

Fields that contain no data were left blank by the wire’s creator. Showing or hiding these fields will impact your
Review screen and Reports.

Select the preferred Show/Hide Fields that Contain No Data option:

• Hide unused fields
• Show unused fields

Click Save Show/Hide Setting.

The Show/Hide Fields that Contain No Data Confirmed will display.

78  Wire and Internal Transfers

Update Dodd-Frank Disclosure (FI clients only)
The standard disclosure covering the rights to cancellation as required by Dodd-Frank
regulations can be updated here.

Update the disclosure language for approved wires and pending wires as required.

Click Save Dodd-Frank Disclosure for Approved Wires.

Wire and Internal Transfers  79

The Update to Dodd-Frank Disclosure for Approved Wires Confirmed screen will display.

Pending Items

The Pending Items status bar displays the number of transfers and templates requiring
approval or other action. Links to the Pending Items screen are activated when items exist.
Your User Entitlements control the items and actions available on the Pending Items screen.

Pending Items Status:

• Transfers Pending Your Approval—Transfers that require your approval.
• Transfers Pending Company Approval—Transfers that require approval from other user(s).
• Rejected Transfers—Approved transfers submitted to the bank for processing that have
been rejected.
• Expired Transfers—Transfers not approved by the Send Date cutoff time. These items are
not included in the total number if transfers displayed on the Pending Items status bar.
• Approved Future-Dated Transfers—Approved transfers with a future Send Date. These
items are not included in the total number of transfers displayed on the Pending Items
status bar.
• Templates Pending Your Approval—Templates that require your approval.
• Templates Pending Company Approval—Templates that require approval from
other user(s).

80  Wire and Internal Transfers

Review Transfers or Templates
It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before submitting or approving a transfer or template.

Click Transfers Require Action or Templates Require Action.

Click Edit to make the updates. The transfer will reappear in the Pending Items and
require additional approval.

Click Delete to delete the transfer. Click Yes or No in the dialog box.

Select the item(s) to review.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before approving the transfer or template.

Click Review Selected.

Wire and Internal Transfers  81

The items to be reviewed will display.

The number of items to be reviewed will be displayed.

If the transfer or template requires updates, select Edit and make the necessary updates.
The transfer or template will require additional approval.

Click Delete to delete the transfer or template.

Click Print to print the transfer or template information.

Click Approve Transfer to approve the transfer for processing.

Click Return to View Pending to view other items pending.

Approving Transfers or Templates

Transfers and Templates are subject to approval based on rules established by
your company.
Approval requirements are defined at either a company level for free-form transfers or
template level for template-based transfers. Transfers requiring secondary approval will not
be submitted to the bank for processing until fully approved.
Note: Approvers are required to use a security token supplied by MUFG Union Bank, N.A.,
to authorize transfers.

82  Wire and Internal Transfers

 Click Transfers Require Action or Templates Require Action.

The applicable items will display.

Select the item(s) to approve.

It is highly recommended you thoroughly review all data for accuracy and validate the
beneficiary information before approving the transfer or template.

Click Approve Selected.

Wire and Internal Transfers  83

The For Your Security screen will display, prompting for the security token passcode.

Enter the Passcode.

Click Submit to approve the transfer for processing.

Click Cancel to cancel the approval of the transfer.

Cutoff Times

Transfers must be approved and submitted to the bank by the cutoff time; defined by transfer type, on the Send Date.

TRANSFER TYPE CUTOFF TIME (PACIFIC TIME)

Domestic Wire Transfer 3:00 p.m.

International Wire Transfer 3:00 p.m.

Drawdown Wire Transfer 3:00 p.m.

Intra-Bank (Book) Transfer 4:00 p.m.

Intra-Company Transfer 9:00 p.m.

Transfers not approved by the Send Date cutoff time are listed as Expired Transfers on the Pending Items screen to be
edited or deleted.
Note: International wire transfers sent to personal, household, or family purpose must be approved by 2:15 p.m. PT as these
wires have a 30-minute cancellation period.

84  Wire and Internal Transfers

Appendix

For questions and additional information, call Client Services at 800-322-2778,

7:00 a.m.–6:00 p.m. PT, Monday through Friday, excluding holidays.
For assistance with Foreign Currency, call Global Foreign Exchange at 866-868-4034.
Field Definitions

FIELD NAME FULL FIELD NAME EXAMPLE MANDATORY FIELD FIELD COMMENTS
Type Type Fed Mandatory Field Choices:
Int Fed
Book Int
IRT Book
IRT

TempID Template ID FedTempl1 Mandatory Field Supports leading zeros

Alphanumeric, Debit Account 3050116009 Mandatory Field Numeric, supports

supports leading zeros
leading zeros

Amt Amount 555.55 Mandatory Field Numeric, supports digits

after decimal

AmtType Amount Type Credit Optional for all Choice of “Debit,”

wire types “Credit,” or “blank”
(defaults to “Credit”)

CrdCurr Credit Currency EUR Optional for all 3-character currency

wire types code for non-USD
international wires

SendDate Send Date 12/22/2009 Mandatory Field mm/dd/yyyy

date format

ValueDate Value Date 12/22/2009 Required for mm/dd/yyyy

International wires and date format
IRTs only; optional for
other wire types

Contract# Contract Number 123456 Optional for all FX contract number

wire types for international wires
in foreign currency
debiting a USD account

FXDealRef FX Deal Reference 5648765 Optional for all Alphanumeric and

wire types special characters

InstructionsCode Instructions Code RTGS Required for IRTs only; Choice of “CMSW,”
optional for other
“CMTO,” “RTGS,”
wire types
“CMZB,” “OTHR,”
“PHON,” or
“URGP,” “RTGS” is
recommended

InstructionsDetails Instructions Details Real Time Settlement Optional for all Alphanumeric and
wire types special characters

BeneBankID Beneficiary Bank Swift/ Fed: 111101681 Mandatory Field Alphanumeric, show
ABA Number leading zeros
Int: TOSRGB21
Book: N/A

Alphanumeric, Beneficiary Account # 123456789 Mandatory Field Numeric, supports

supports leading zeros
leading zeros

BeneName Beneficiary Account Name Bob's Account Mandatory Field Alphanumeric and
special characters

Wire and Internal Transfers  85

 FIELD NAME FULL FIELD NAME EXAMPLE MANDATORY FIELD FIELD COMMENTS
BeneAdd1 Beneficiary Address (All) 123 Any St. Optional for all Alphanumeric and
Suite 100 wire types special characters
BeneAdd2
San Diego, CA 92115
BeneAdd3

BeneRef Beneficiary Reference PO12345 Optional for all Alphanumeric and

wire types special characters

CustomerRef Customer Reference MT101 Request Required for IRTs only; Alphanumeric and
optional for other special characters
wire types

OBI1 Originator to Beneficiary Invoice # 1623534 Optional for all Alphanumeric and
Information (All Four) wire types special characters
OBI2
OBI3
OBI4

Wire Import Field Definitions

FIELD NAME FULL FIELD NAME EXAMPLE MANDATORY FIELD FIELD COMMENTS
PmtDetails Payment Details 1234-139A Required for 140 Alphanumeric and
International, Domestic, special characters
and Book Transfers;
optional for IRTs

RegRptg1 Regulatory Reporting BENEFRES USA Optional for all Alphanumeric and
(All Three) wire types special characters
RegRptg2
RegRptg3

OrigDrAcct# Originating Debit Account # 123456789 Originator info for FI Numeric, supports
clients (Travel rule) leading zeros

OrigName Originator Name Robert Originator info for FI Alphanumeric and

clients (Travel rule) special characters

OrigAdd1 Originator Address (All) 101 Elm St OrigAdd1 and OrigAdd3 Alphanumeric and
Suite 100 Originator info for FI special characters
OrigAdd2
San Diego, CA  clients (Travel rule)
OrigAdd3 92108
OrigAdd2
Optional for all
wire types

IntlFees International Fees Shared Required for Choice of: “Shared,”

International wires and “Ours,” or “Beneficiary”
IRTs only; optional for
other wire types

InterBank# Intermediary Bank Number 111000012 Optional for all Numeric, supports
wire types leading zeros

InterBankName Intermediary Bank Number Union Bank Optional for all Alphanumeric and
wire types special characters

InterMedAdd1 Intermediary Bank 100 Elm St. Optional for all Alphanumeric and
Address (All) Suite 2000 wire types special characters
InterMedAdd2
San Diego, CA, USA
InterMedAdd3

86  Wire and Internal Transfers

Comprehensive Field Definitions
Transfer and template data field definitions are listed in the order they appear on the entry screens. All fields are required
unless noted otherwise.
FIELD AND DEFINITION
Debit Account (Credit Account for
Drawdown): Union Bank account to use for
the transfer
Amount: Amount to be transferred
Send Date: Date the transfer is to be sent
Value Date (International Wire): Date
the funds are to settle at the beneficiary
party's account
Rate and Contract Number (Foreign
Currency International Wire): Currency
conversion information
Beneficiary (or Debit Drawdown) Bank:
Financial institution of the beneficiary
(or drawdown) party's account.
Note: This section does not apply to
Intra-Bank (Book) transfers since the
beneficiary bank is Union Bank.
Beneficiary (or Drawdown) Party: Name and
account number of the party receiving the
funds (beneficiary) or having funds drawn
(drawdown)
Beneficiary Reference (Domestic and
International Wire): Reference information for
the beneficiary
Payment Details: Additional information for
the beneficiary (or drawdown) party
INSTRUCTIONS
Select account from the drop-down list.
Note: The account selection list only shows your entitled accounts. Use preferences
to display list in a different order and/or with different account names.
Enter amount (only numbers and decimals allowed).
Note: For International Wires, you can select an Amount Type of either Debit Amount
reflecting the amount to be debited from your account or Credit Amount reflecting
the amount to be credited to the beneficiary. The Debit Amount option can be used
when you wish to specify the USD-equivalent amount of foreign currency to be sent to
the beneficiary. The Credit Currency dropdown list is used to specify the currency in
which the beneficiary receives the funds.
Enter date or click the calendar to select date.
Note: Transfers may be future-dated up to 30 bank business days, with the exception
of Foreign Currency International Wires. (See Value Date for foreign currency rules.)
Enter date or click the calendar to select date.
Note: The default Value Date shown is based on the selected Send Date and Currency.
Changes to this date must adhere to rules associated with both the currency and
selected account. For example, the earliest Value Date for many currencies is
2 business days after the Send Date.
For foreign currency questions, contact Global Market at 866-868-4034.
To obtain a real-time rate quote:
• Click Get Rate. A rate displays in the Exchange Rate Information window.
 lick Accept Rate. Accepting the rate enters your company into a legally binding
• C
Foreign Exchange contract with Union Bank. Once accepted, the rate and affected
data cannot be changed.
 he rate, contract number, and calculated Debit Amount display on your transfer
• T
entry screen.
To use an existing contract rate:
• Enter the rate.
• Enter the contract number. The calculated Debit Amount displays.
To search for a bank:
• Enter up to four characters of the ABA Number/SWIFT Code or Bank Name.
• Click Search for a list of matching banks.
• C
 lick the bank from the list. The selected bank data displays on your transfer
entry screen.
Enter Account Number.
Note: The account number for an International Wire must be in the proper format for
the selected currency. If using an IBAN (International Bank Account Number), click
View IBAN Formats for a list of accepted formats. Improper formatting may result in
additional fees from downstream financial institutions.
Enter Account Name.
Enter Address fields (optional).
Enter up to 16 characters (optional) (ex: invoice #, etc.) for the benefit of the beneficiary.
Enter up to 140 characters (optional).
Note: Entry may be limited by template controls.
Wire and Internal Transfers  87
 FIELD AND DEFINITION
International Fees (International Wire):
Method for applying fees
Originator (if activated): Original party
requesting the transfer.
Note: Original information is required
to satisfy Travel Rule compliance for
organizations sending wires on behalf of
a third party. All fields (name of originator,
address, and complete account number) are
required under “Originator.”
Intermediary Bank (Domestic and
International Wire): Financial institution where
the transfer will first be routed (if required by
the beneficiary bank).
Note: Union Bank may opt to route the wire
through an alternate intermediary bank to
expedite processing.
88  Wire and Internal Transfers
INSTRUCTIONS
Select method:
• Shared: Fees are shared between sending and receiving parties.
• Ours (additional fees will be incurred): Fees are incurred by you (the sender).
• Beneficiary: Fees are incurred by the beneficiary per prior mutual agreement
between parties.
Enter Debit Account Number.
Note: This is the third party's account number (not your Union Bank account).
Enter Name.
Enter Address 1.
Enter Address 2 (optional).
Enter City, State (and Country, if International Wire).
To enter a Domestic Wire intermediary bank:
• Click Intermediary Bank (optional) to display entry fields.
• Enter up to four characters of the ABA Number/SWIFT Code or Bank Name.
• Click Search for a list of matching banks.
• C
 lick the bank on the list. The selected bank data displays on your transfer
entry screen.
To enter an International Wire intermediary bank:
Click Intermediary Bank (optional) to display entry fields.
Select the Type:
• Text: For free-form, input Bank Name, and Address fields only.
• ABA: For a domestic bank selection.
• SWIFT: For a foreign bank selection.
Enter Bank Name and Address (Text type) or search for a bank (ABA/SWIFT type).
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