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High-Value & Clearing House Rail

WIRE (Fedwire Funds Service / Wire Transfer)

WIRE
08/05 FEDWIRE OUTGOING FIRST AMERICAN TITLE $45.20

要約

WIRE (Fedwire Funds Service / Wire Transfer). WIRE represents an immediate, irrevocable gross settlement funds transfer across the Federal Reserve's Fedwire network, typically used for large transactions.

重要：このコードが意味しないもの

A WIRE is not an ordinary automated subscription or retail debit. Because wire transfers are irrevocable and final, banks charge sending fees (typically $25–$35) and incoming fees ($10–$15).

WIRE の詳細解説

Wire transfers (often labeled FED WIRE, WIRE OUT, or WIRE IN) are real-time gross settlement electronic payment systems operated directly by Federal Reserve Banks.

Unlike ACH batch transfers which can take several days to settle and can be reversed under Nacha rules, wire transfers settle individually in real-time, are immediate, and are legally final and irrevocable once processed under Federal Reserve Operating Circular 6 and UCC Article 4A.

Commonly used for high-value time-sensitive transactions such as real estate closing down payments, title escrows, luxury vehicle purchases, and interbank commercial settlements.

実際の加盟店を特定する方法

  1. ステップ 1 Check the beneficiary name and Federal Reserve reference / IMAD number printed on your wire confirmation receipt.
  2. ステップ 2 Match the amount to real estate closings, legal escrow settlements, or large interbank transfers you authorized.
  3. ステップ 3 If you see an unexpected outgoing wire transfer on your account, contact your bank's wire fraud department immediately.

代表的な明細表記パターン

  • FEDWIRE OUTGOING FIRST AMERICAN TITLE
  • WIRE TRANSFER INCOMING ESCROW #0294
  • OUTGOING WIRE FEE $30.00
  • FED WIRE TRNSFR CITIBANK COMM

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