Verifying Bank Wire Transfers

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Here is some info for anyone receiving a wire transfer that might help you to determine whether the funds from the sale of your Rolex, car or baseball card collection has been transferred to your account via a wire funds transfer. If you bank online, you should be able to view this information through your online bank account. If you do not bank online, a call to your bank can verify this information. If you are calling your bank to check on a wire funds transfer, write down everything that you are told about the transfer, to include the name of the person from the bank providing the information.

If you look at the info below, the 3/31/11, transaction has a $10 bank fee for a wire transfer. The next entry, later in the day on 3/31/11, indicates a credit to the account below for $4,490. This entry also provides information that the wire funds transfer came from U.S. Bank N/A and originated from U.S. Bank account holder Smith, Bill J. The numbers are bank numbers and transaction numbers, which your bank should be able to verify for you. If it is not a wire funds transfer credit to your account, it would indicate the type of funds transfer that was made to your account - i.e. cash, check etc.

If you are expecting a wire funds transfer, and the transfer of funds to your account does not indicate such, that should be a huge red flag to you. Your next move should be a trip to your bank to verify whether or not the wire transfer properly occurred or you were the potential victim of a fraud.


Date Description
Deposits / Additions
Withdrawals / Subtractions

Pending Transactions( What's this? )




03/31/11 WIRE TRANS SVC CHARGE - SEQUENCE: 230387060454 SRF# 1265331037901 TRN#110331068260 RFB# 1144458 $10.00

03/31/11 WT FED#02162 U.S. BANK, N.A. /ORG=SMITH Bill J. SRF# 1265331037901 TRN#110331068260 RFB# 114445821

$4,490.00