Person pushing a Bank Wire Transfer button on a keyboard
Young black man sitting on a park bench, smiling while talking on his cell phone

Wire Transfers

An effective way to move money fast!

If you want to send or receive a large sum of money, a wire transfer could be smart option.

First Bank of the Lake wire transfers allow you to send and receive funds both domestically and internationally from either your business or personal checking account.

Whether you’re sending money to family, friends, or a business, or if you’re the person receiving money – a wire transfer is a secure way to ensure that the funds are properly exchanged.

Transfer money across town or across the world. Contact us at 573.348.2265 to request a wire transfer. 

Wire Transfer Hours

  • Monday thru Friday, 8:30 am to 3:30 pm CT.
  • Cutoff times for same day processing are 4 pm CT for domestic wires and 2 pm CT for international wires Monday through Friday.
  • Wires requested after these times will be placed the following business day.
  • Contact us at 573.348.2265 to request a wire transfer.

Tips to keep you and your accounts safe online

  • Ignore unsolicited email job offers or opportunities, especially if the company is overseas.
  • Never give your bank account details to someone you don’t know.
  • Be cautious of lottery inheritance scams.
  • Contact us at 573.348.2265 if you have questions or concerns about fraudulent wire transfer activity.
Domestic Wires
You will need to provide us with the wiring instructions* for the receiving financial institution including:
  • Financial Institution Name
  • Financial Institution Address
  • Routing Number
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary Account Number
    *Call the receiving bank for specific wire instructions.
International Wires
Due to the complexity of international wires, please contact us at 573.348.2265 to discuss your specific request.

Wire transfer hours are Monday thru Friday, 8:30 am to 3:30 pm CT. Cutoff times for same day processing are 3:30 pm CT for domestic wires and 2 pm CT for international wires Monday through Friday. Wires requested after these times will be placed the following business day.

Please see our Schedule of Fees for the current charges for incoming and outgoing domestic and international wires.

Domestic Wires
Wire to: Midwest Independent Bank
Telegrahic Name: MIB JEFF CITY MO
SWIFT Code: MIBBUS44
ABA # 086505273
Address: 910 Weathered Rock Road, Jefferson City, MO 65110-1805
Credit to: First Bank of the Lake
Account # 204644
Address: 4558 Osage Beach Parkway, Suite 100, Osage Beach, MO 65065-2732
Final Credit to: FBOL Customer Name
Address: FBOL Customer Address
Account # FBOL Account number

International Wires
Due to the complexity of international wires, please contact us at 573.348.2265 to discuss your specific request.

Please see our Schedule of Fees for the current charges for incoming and outgoing domestic and international wires.

What is a wire transfer?
It’s a way of moving money from one person or financial institution to another.

Are wire transfers secure?
Bank-to-Bank wire transfers are considered to be the safest payment method worldwide. The information is encrypted and transmitted securely. Additionally, the account holders that send and receive funds must prove their identity.

If someone you don’t know asks you to send or receive a wire transfer, we recommend you decline. If you accept the request, you may become an unknowing participant in illegal money laundering. You may also become a fraud victim.

Here are some tips to keep you and your accounts safe online.
  • Ignore unsolicited email job offers or opportunities, especially if the company is overseas.
  • Never give your bank account details to someone you don’t know.
  • Be cautious of lottery inheritance scams.
  • Contact us at 573.348.2655 if you have questions or concerns about fraudulent wire transfer activity.
Yes, someone with your account information can wire funds directly to your First Bank of the Lake account. You will need to provide your account number and wire transfer routing number.
Processing time for domestic wire transfers varies from bank to bank, but they should generally be received within one business day. International wire transfers can be affected by several factors and could take several days to be received.
Incoming wires received before 4 pm CT should be processed and posted to your account the same day. Requests after 4 pm CT should be processed the next business day. If your incoming wire isn’t received in that time frame, contact the sender or originating bank for help.
Wire transfer requests can only be canceled if we receive your request before we send the money. If the money has already been sent, we can attempt to recall or change a wire but cannot guarantee that the request will be honored by the recipient’s bank.
Processing time for domestic wire transfers varies from bank to bank, but they should generally be received within one business day. International wire transfers can be affected by several factors and could take several days to be received.

If your outgoing wire transfer isn’t received in that time frame, please call us at 573.348.2265 to open a wire investigation.
Unfortunately, we’re unable to research incoming wire transfers. However, the person or financial institution that sent the wire should be able to track it.
Fees may apply, depending on the type of wire. Please see our Schedule of Fees for current wire transfer fees.

Boy is smiling while holding his debit card and cell phone.

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