If you’re looking for cit bank incoming wire instructions, cit bank international wire transfer fee, cit bank address for wire transfer, or general details on how to send or receive wire transfers at CIT Bank (a division of First Citizens Bank), this article from CIT Finance Guide provides a clear, up-to-date overview. Wires are ideal for faster, larger transfers compared to ACH, especially for urgent domestic or international needs involving your high-yield savings, CDs, eChecking, or other accounts.
Disclaimer: This is an unofficial guide from CIT Finance Guide. We are not affiliated with CIT Bank or First Citizens Bank. Wire instructions, fees, routing numbers, and processing times can vary by account type, amount, currency, and updates—always log in to cit.com, check your account dashboard, or contact support for personalized, current details. Information is based on available resources as of February 2026; not financial advice.
What Are Wire Transfers at CIT Bank?
Wire transfers move funds electronically between banks, often same-day for domestic and 1–5 business days for international (depending on intermediaries). CIT Bank supports:
- Incoming wires (funds sent to your CIT account)
- Outgoing domestic wires (U.S. to U.S.)
- Outgoing international wires (U.S. to foreign accounts)
Wires are irrevocable once processed—double-check recipient details to avoid errors. They typically cost more than ACH but offer speed and reliability for high-value or time-sensitive payments (e.g., real estate closings, business payments, or family support abroad).
Incoming Wire Instructions (Receiving Funds)
To receive a wire into your CIT Bank account, provide the sender with these official details (confirm exacts in your account or via support, as routing can depend on account setup):
- Bank Name: CIT Bank, a division of First Citizens Bank
- Bank Address: Often listed as 1 CIT Drive, Livingston, NJ 07039 (or Pasadena, CA headquarters—use the one provided by CIT for accuracy)
- Routing Number (ABA): Commonly 124084834 (for many direct bank wires; verify in your dashboard or by calling)
- Beneficiary Name: Your full legal name as on the account
- Beneficiary Account Number: Your full CIT Bank account number
- Beneficiary Address: Your mailing address on file with CIT
- For Further Credit (FFC): Include any additional instructions (e.g., specific account reference)
Incoming Wire Fees: Usually free at CIT Bank—no charge for receiving domestic or international wires (though intermediary banks may deduct fees from the sender side).
Processing: Incoming wires typically credit on the same business day if received before cut-off (often 5pm ET). Weekends/holidays delay until next business day.
Outgoing Wire Transfers (Sending Funds)
To send a wire from your CIT account:
- Log In: Use cit bank login at cit.com/sign-in or the cit bank mobile app.
- Navigate to Transfers: Go to “Move Money” > “Wire Transfer” or similar section.
- Enter Details: Provide recipient bank name, routing/ABA/SWIFT (for international), account number, beneficiary name/address, amount, and purpose (optional but helpful).
- Review & Confirm: Verify all info—wires are final. Submit before daily cut-off (typically early afternoon ET for same-day processing).
- Authorization: May require cit bank 2 factor authentication or phone verification for security.
Outgoing Domestic Wire Fees:
- Free if your account maintains a balance of $25,000 or more (across linked accounts).
- $10 fee if balance is under $25,000.
- Minimum amount often $1,000 for outgoing wires.
Cit bank international wire transfer fee:
- Fees apply for outgoing international wires (exact amount varies by amount, currency, and destination—commonly $30–$50 or more; check current Fee Schedule in your account or at cit.com).
- Additional intermediary/correspondent bank fees (not controlled by CIT) may reduce the amount received abroad.
- Currency conversion: If sending in non-USD, rates apply—often less favorable than services like Wise.
Processing Time:
- Domestic: Same-day if submitted early; next business day otherwise.
- International: 1–5 business days, depending on destination and banks involved.
Key Tips for Successful Wire Transfers
- Verify Recipient Details: Errors (wrong routing/account) can delay or lose funds—wires are hard to reverse.
- Cut-Off Times: Submit early in the day for fastest processing.
- Security: Only initiate from official cit.com or app—avoid phishing links.
- Limits: Wires often bypass daily ACH limits (cit bank external transfer limit) but may have per-transaction or daily caps based on your account profile—check in dashboard.
- International Considerations (e.g., from Faisalabad, Pakistan): If receiving from abroad, provide accurate SWIFT/BIC (ask CIT support). For sending international, consider alternatives like Wise, Revolut, or local Pakistani banks (HBL, Meezan) for lower fees and better rates on PKR conversions.
- Tracking: CIT provides confirmation; recipient bank may give MT103 trace number for international wires.
Troubleshooting Wire Issues
- Delayed or Returned Wires: Check for incorrect details, holds, or holidays. Contact support.
- Fees Higher Than Expected: Review Fee Schedule—intermediaries add charges.
- Access Problems: Ensure cit bank login works; use app if web fails.
Contact Support for Wire Help
For exact instructions, current fees, or assistance:
- Cit bank contact / cit bank 800 number: 855-462-2652 (U.S.: Mon–Fri 9am–9pm ET, Sat 10am–6pm ET).
- International: 626-535-8964.
- Secure message in your account for written confirmation.
CIT Finance Guide links this back to our pillar: CIT Finance Guide 2026: CIT Bank Login, Accounts, Transfers, Support & Alternatives for complete coverage of logins, transfers, support, and alternatives.
Use wires wisely for speed—always confirm details with CIT before sending or receiving!