Wire Transfers

Domestic Wires are sent within the United States in US Dollars only. A US Bank is a bank that is incorporated within the United States, or subject to Federal and State Banking Regulations, whose deposits are insured by an Agency of the Federal Government.

To send a Domestic Wire, the following information is needed:

• Receiving bank name, address and 9-digit ABA/Routing number and,
• Recipient's name, address and account number.

The Outgoing Wire Transfer Request Form is located in Online Banking in the Forms menu.

Please note that the receiving institution may charge an additional fee for incoming wires.

Unlike many institutions, Star One does not add a markup to the standard fee for foreign-currency wire transfers.

We send funds in the receiving country's currency, unless the receiving account is specifically designated as a US Dollar account. This ensures compliance with regulatory requirements for remittance transfers.

Prior to your wire being sent, Star One provides disclosures to you, which include details such as the rate of conversion to the foreign currency. For requests received by fax, the disclosure will be sent to the email address on record at Star One.

A 30-minute waiting time applies before a wire transfer is sent, in case you wish to cancel.

Outgoing international wire transfers are processed through a US Correspondent Bank. The recipient bank is responsible for crediting the received funds. The actual amount received by the recipient may be reduced by charges imposed by the recipient bank. For more information about foreign exchange, call us.

It is important to note that if there are any errors on an international wire transfer sent in foreign currency, Star One may not be notified of any delay or problem for up to 10 business days.

To initiate an outgoing international wire transfer, please call us during regular business hours for information and instructions. Accuracy is very important when completing your request form. Incorrect or incomplete information can delay a wire transfer.

Wire transfers may be sent in the following currencies:

You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees. To cancel a remittance transfer, you must contact us within 30 minutes of payment for the transfer.

When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account.

You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:

• Your name and address or telephone number;
• The error or problem with the transfer, and why you believe it is an error or problem;
• The name of the person receiving the funds (recipient), and if you know, his or her telephone number or address;
• The dollar amount of the transfer;
• The confirmation code or number of the transaction.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error as soon as possible. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.