Understanding FCM wire instructions

Understanding FCM wire instructions

When funding your trading account, you may need to send a wire, either domestically (US) or internationally. Edge Clear provides wire instructions in a number of supported currencies at different FCMs, but sending a wire through your bank may not be simple. This article will go into detail about what the different information on the wire instructions are and what fields they go in on a wire form. 

Domestic Wires (US)

USD WIRE: 
1: Bank Name: This is the name of the receiving bank, or in other terms, the bank you are sending the wire to. All FCMs hold your funds in segregated accounts at registered banks (ex. Citibank, BMO Harris), and they do not hold the funds themselves. Put the receiving banks name in field often labeled as "Bank Name".

2: Bank Address: Rarely, wire forms will ask for the bank's address or branch address. Put the address as listed on the wire instructions. NOTE: Different banks save different addresses to a routing number. This WILL NOT impact a wire's delivery, as long as the routing number is the exact same as provided on the wire instructions. 

3: ABA Routing#: An ABA routing number is a bank's routing number for US domestic use ONLY. Put this number in the field often labeled as "Routing Number", "ABA", ABA Routing Number". NOTE: ABA Routing number will not work for international wire. For international wires, you would need to use a SWIFT code. 

4: SWIFT Code (if needed): ONLY for international wires. SWIFT codes will not work for domestic US wires. 

5: Beneficiary Account Name: The beneficiary (receiver) of the wire is the FCM, NOT Edge Clear or yourself. Put the FCMs name in the field often labeled as "Beneficiary Account Name" or "Receiving Account Name". If there is a character limit, put just the FCM's name. The account type is Business Checking. 

6: Beneficiary Account Number: This is the FCM's bank account number at the bank. Be sure to enter this number into the field labeled as "Beneficiary Account Number", "Account Number" or "Receiving Account Number" exactly as it is written on the wire instructions. 
 
7: Beneficiary Address: Sometimes the bank will ask for the address of the beneficiary (the FCM). If unsure or the address is not provided on the wire instructions, a quick Google search of the FCM will usually locate the address. 

8: Further Credit To: In order for the FCM to know which segregate customer account to direct your funds to, in a "Memo", "Further Credit To", "Message to the Recipient" field, write your FCM/Edge Clear Account number. This account number should be present on the wire instructions, and is not the bank account number. 

International Wire

1: Bank Name: This is the name of the receiving bank, or in other terms, the bank you are sending the wire to. All FCMs hold your funds in segregated accounts at registered banks (ex. Citibank, BMO Harris), and they do not hold the funds themselves. Put the receiving banks name in field often labeled as "Bank Name"

2: Bank Address: Rarely, wire forms will ask for the bank's address or branch address. Put the address as listed on the wire instructions. NOTE: Different banks save different addresses to a routing number. This WILL NOT impact a wire's delivery, as long as the routing number is the exact same as provided on the wire instructions. 

3: SWIFT Code: The routing number used for international wires, make sure to copy the SWIFT code exactly as it appears in the wire instructions. Place in the field labled "Routing Number", "SWIFT Code". Note: Do not put an ABA routing number as this is for US internal wires only.   

4: Beneficiary Account Name: The beneficiary (receiver) of the wire is the FCM, NOT Edge Clear or yourself. Put the FCMs name in the field often labeled as "Beneficiary Account Name" or "Receiving account Name". If there is a character limit, put just the FCM's name. 

5: Beneficiary Address: The beneficiary (receiver) of the wire is the FCM, NOT Edge Clear or yourself. Put the FCMs name in the field often labeled as "Beneficiary Account Name" or "Receiving account Name". If there is a character limit, put just the FCM's name. 

6: IBAN: Some non USD currencies have an IBAN (International Bank Account Number). Be sure to enter this number into the field labeled as "Beneficiary Account Number", "Account Number" or "Receiving Account Number" exactly as it is written on the wire instructions. Note: US banks do not have IBANs, so if you are wiring internationaly to a US bank there will not be an IBAN used. In this case, you would use the regular account number. 

7: Beneficiary Account Number: This is the FCM's bank account number at the bank. Be sure to enter this number into the field labeled as "Beneficiary Account Number", "Account Number" or "Receiving Account Number" exactly as it is written on the wire instructions. 

8: Further Credit To: Sometimes called FBO (For the Benefit Of). In order for the FCM to know which segregate customer account to direct your funds to, in a "Memo", "Further Credit To", "Message to the Recipient" field, write your FCM/Edge Clear Account number. This account number should be present on the wire instructions, and is not the bank account number. 

9: Corresponding bank information: Some bank will use an intermediary or corresponding bank to send a wire in a non USD currency. Unless your bank asks you to fill out the information, in most cases you can ignore this information and leave the fields asking for it blank. 

FAQ

1: How long will it take for my bank to wire my funds to the Edge Clear trading account? 
      A: Most domestic US wire will take 1-2 to initiate, transit, process and be allocated into the trading account. For international wires, this proces can take 1-4 days, and additional delays may occur due to AML (Anti Money Laundering) checks by the sending or receiving bank. 

2: How will I know when my wire arrives and is deposited into the trading account? 
      A: You will receive an email from your broker confirming the wire's arrival. You should also receive a statement via email from the FCM showing your account balance with the wire the night of its arrival. 

3: It has been a number of days and my wire has not been deposited into the Edge Clear trading account. What is the best way for me to check on the status of the wire?
      A: First, you should contact your bank to ensure that the wire was successfully sent out and received by the recipient bank. Second, you can contact clientservices@edgeclear.com with a copy of your wire receipt, and we can check with the FCM to make sure they have received it. 

4: It has been a number of days and my wire has not been deposited into the Edge Clear trading account. Is my wire lost?
      A: It is very uncommon for a wire to actually be "lost". In most cases, the wire has been rejected due to incorrect information and is being sent back to your bank account. All domestic US wire will have a tracking number created for them by your bank, that your bank can use to check where the wire ended up. Contact your bank to run a check on the location of the wire. Note: Filling out the wire details incorrectly will cause a wire to be rejected by the receiving bank and FCM, causing the wire to be sent back to your bank. This is a lengthy process and may account for the delay in receiving the rejected wire bank into your bank account.  

5: Can someone at Edge Clear fill out my wire information for me? 
      A: Due to legal reasons, Edge Clear cannot fill out the wire information fields ourselves, you must be the one to fill out the wire form yourself. Edge Clear can offer assistance and guidance in how to fill out the form and you can request assistance at clientservices@edgeclear.com

6: My bank shows a different address for the receiving bank when I put in the routing number. Is this the correct address? 
      A: Different banks save different addresses to a routing number. This WILL NOT impact a wire's delivery, as long as the routing number is the exact same as provided on the wire instructions. 

7: What kind of bank accounts can be used to fund my account via wire? 
      A: To fund an individual or a joint account a personal bank account in your name must be used. For Corporate/LLC/Trust accounts , a bank account in the name of the entity must be used. You cannot fund an entity account from your personal bank account and vice versa for individual accounts. Note: Most FCMs will not allow wires from 3rd party banks (Wise, Revolut, Qonto, etc.). 

8: I am sending a wire from Bank of America, but it keeps being rejected. 
      A: Bank of America sends funds as an ACH without really making it clear that they are doing so. Since the FCMs account is not set up to receive funds as ACH initiated by a bank, the funds are rejected by the FCMs bank. You will need to specify for Bank of America to send the funds as a wire. 
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