Here’s What You Need to Know

Wire Templates: To meet ISO requirements, you must update all existing and recurring payee/beneficiary templates. A beneficiary address is now required for all wires. 

Updated Wire Terminology: You may notice new field names and updated labels throughout the wire process. These changes are required by the new ISO standard. See updated wire terminology below.

How Can You Prepare

Business Checking

Review Alert Settings

Log in to ensure we have your most up to date contact information on file, and that you have notifications for transactions turned on. This will ensure that you are notified if a wire does not meet the required format and fails to send.

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Update Information

Remove any outdated or unused wire beneficiaries.

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Mark Your Calendar

Log in to your account on July 14, 2025 to confirm your recurring wire data is correct.

Important: Changes to beneficiary/creditor details cannot be made before July 14, 2025. Updates made prior to the cutoff will not carry over.

Changes to the Wire Template Fields

Current Terminology New Terminology Effective July 14, 2025
Beneficiary Creditor
Originator Debtor
Originating Bank/Sending Bank Debtor AND Instructing Agent
Beneficiary Bank Creditor Agent
Domestic Intermediary Bank Instructed Agent
International Intermediary Bank Intermediary Agent
Routing Number Agent ID
Reference Beneficiary End to End ID
Address Line 1 Building Number and Street Name
Address Line 2/3 Department, Sub Department, Building Name, Floor, Room, Town Location Name, District Name, Post Box
City Town Name
State Country Sub Division
Zip Code Post Code
Additional Information Remittance Information

We're Here To Help

Need support or have questions about how this change affects you?

Business clients can contact our Business Online Banking Support Team at (201) 794-5655

Personal clients can contact our Customer Service Center at (800) 522-4167

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