Wire Transfers

Cash Management from Rio Bank makes sending money easy. Our wire transfer services allow you to initiate transfers to destinations across the U.S. or around the world safely, efficiently and at your convenience.

How do I receive a wire transfer?

To receive a wire transfer to your account, please provide the following information to the individual or business that is sending the wire:
Domestic (U.S.) and International:

Wire Routing Number:	114915447*
Name of Institution:	Rio Bank
Physical Address of Institution:	701 E. Expressway 83, McAllen, Texas 78501
Your Account Number:	Your full account number
Title of Account:	The name of your account as it appears on your statement

*An Intermediary US Bank may be required to receive an international wire. Rio Bank does not participate in the SWIFT network.

Outgoing Wire Transfers Cut-Off Times

Domestic: 2:30 PM CT
International: 1:30 PM CT

How do I send a wire transfer?

To send a wire transfer, please call or visit a Rio Bank location.

To submit a wire transfer online, you must be setup on Wire Manager.

Visit a Personal Banker for more information. (International wire transfers cannot be submitted online.)

Beneficiary Information required to send a wire transfer:

Domestic (U.S.):

Institution’s Routing Number
Institution’s Name
Institution’s Physical Address
Beneficiary’s Name
Beneficiary’s Physical Address
Beneficiary’s Account Number

International:

Institution’s Swift Number
Institution’s Name
Institution’s Physical Address
Beneficiary’s Name
Beneficiary’s Physical Address
Beneficiary’s Account Number

*Depending on the beneficiary country, some additional information may be required.

Tips to Prevent Being a Victim of Wire Fraud

Fraudulent requests for wire transfers typically come by email. Here are eight security tips to help you stop potential fraudulent requests for wire transfers.

Verbal Confirmation
Verbally confirm that the request to initiate the wire is from an authorized person within the company.
Verify Changes
Anytime you receive new wire instructions or a change to existing wire instructions verbally verify with your wire transfer vendor.
Investigate Unique Requests
If you receive a request for a payment that is out of your ordinary payment arrangement, confirm by phone with your vendor.
Double Check Email Addresses
A common trick is to slightly modify an email address. For example, john.smith@abc.com might be changed to jon.smith@abc.com
Forward Instead of Reply
Rather than reply to an email, forward the email to the address that you have on file.
Establish Dual Controls
For Rio Bank Wire Manager customers, this could mean having one user who initiates the wires and another user who approves the wires.
Be Alert
Be on alert for fraud anytime the wire transfer instructions include tight deadlines or pressure you to act quickly.
Be Suspicious of Confidentiality
Whenever wire transfer instructions specify keeping the transaction a secret – verbally verify with an executive or the person requesting the transaction.

The best defenses against wire fraud include solid internal procedures and training team members to recognize the signs of suspicious activity within the company.

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