[
 {
  "bank": "ally",
  "name": "Ally Bank",
  "kind": "bank",
  "domestic_out_usd": 20,
  "domestic_out_note": null,
  "domestic_in_usd": 0,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": null,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": "Ally does not send international wires.",
  "intl_in_usd": 0,
  "intl_in_note": null,
  "cutoff_domestic": "3:00 p.m. ET",
  "cutoff_international": null,
  "cutoff_note": "Wires must be reviewed before 3:00 p.m. ET; verified wires go out by 6:00 p.m. ET.",
  "waivers": "The fee is refunded when you wire money to your own Ally Invest account.",
  "fx_note": null,
  "schedule_effective": "2026-10-10",
  "checked": "2026-10-24",
  "source_title": "Ally Bank Deposit Agreement",
  "source_url": "https://www.ally.com/content/dam/pdf/bank/ally-bank-deposit-agreement.pdf",
  "other_sources": "https://www.ally.com/help/bank/transfers/"
 },
 {
  "bank": "bank-of-america",
  "name": "Bank of America",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": null,
  "domestic_in_usd": 15,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 45,
  "intl_out_fx_wire_usd": 0,
  "intl_out_note": "Bank of America charges $45 to send an international wire in US dollars and no wire fee to send it in foreign currency, where its exchange rate does the earning.",
  "intl_in_usd": 15,
  "intl_in_note": null,
  "cutoff_domestic": "5:00 p.m. ET",
  "cutoff_international": "5:00 p.m. ET",
  "cutoff_note": "5:00 p.m. ET for wires sent in Online Banking or the mobile app, in US dollars or foreign currency.",
  "waivers": "Bank of America waives the outgoing domestic wire fee for BofA Rewards Premier clients, and waives incoming wire fees, domestic and international, for its Preferred Plus, Preferred Honors and Premier tiers.",
  "fx_note": "Its schedule says plainly that the exchange rate includes markups and that it makes money on the currency exchange.",
  "schedule_effective": "2026-08-07",
  "checked": "2026-10-24",
  "source_title": "Bank of America: Personal Schedule of Fees",
  "source_url": "https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/",
  "other_sources": "https://info.bankofamerica.com/en/digital-banking/wire-transfers"
 },
 {
  "bank": "capital-one",
  "name": "Capital One",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": null,
  "domestic_in_usd": null,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": null,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": "Capital One 360 Checking sends domestic wires only.",
  "intl_in_usd": null,
  "intl_in_note": null,
  "cutoff_domestic": "2:00 p.m. ET",
  "cutoff_international": null,
  "cutoff_note": "A 360 Checking wire goes out the same day if it is received and verified by 2:00 p.m. ET.",
  "waivers": null,
  "fx_note": null,
  "schedule_effective": null,
  "checked": "2026-10-24",
  "source_title": "Capital One: 360 Checking disclosure",
  "source_url": "https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/",
  "other_sources": null
 },
 {
  "bank": "schwab-bank",
  "name": "Charles Schwab Bank",
  "kind": "brokerage bank",
  "domestic_out_usd": 15,
  "domestic_out_note": "Online; $25 by phone or branch",
  "domestic_in_usd": 0,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": null,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": "Schwab Bank does not send or accept international wires on Investor Checking.",
  "intl_in_usd": null,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": null,
  "waivers": "Clients with $100,000 or more in household balances get three free online wires a quarter.",
  "fx_note": null,
  "schedule_effective": "2026-01",
  "checked": "2026-10-24",
  "source_title": "Charles Schwab Bank: Schwab Bank Deposit Account Pricing Guide",
  "source_url": "https://disclosures.schwab.com/SchwabDashboard/62667/REG30608.pdf",
  "other_sources": null
 },
 {
  "bank": "chase",
  "name": "Chase",
  "kind": "bank",
  "domestic_out_usd": 25,
  "domestic_out_note": "Online; $35 with a banker",
  "domestic_in_usd": 15,
  "domestic_in_note": "$0 if sent by Chase online or a banker",
  "intl_out_usd_wire_usd": 40,
  "intl_out_fx_wire_usd": 5,
  "intl_out_note": "Chase charges $40 online ($50 with a banker) to send an international wire in US dollars, and $5 online to send it in foreign currency, or $0 when that foreign-currency wire is $5,000 or more. A banker-assisted foreign-currency wire is $50.",
  "intl_in_usd": 15,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": "Chase does not publish a same-day cutoff for outgoing wires in its fee schedule or on its wire FAQ. A future-dated domestic wire can be cancelled until 11:59 p.m. ET the day before it is due to go.",
  "waivers": "Chase Private Client Checking and Savings pay no Chase fee on incoming or outgoing wires, and Premier Plus Checking with military direct deposit pays no Chase wire fees. The waiver does not touch the exchange rate.",
  "fx_note": "Chase says its exchange rate includes a spread and that you should expect rates less favorable than those quoted online or in publications.",
  "schedule_effective": "2026-06-14",
  "checked": "2026-10-24",
  "source_title": "Chase: Deposit Account Agreement - Additional Banking Services and Fees for Personal Accounts",
  "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf",
  "other_sources": null
 },
 {
  "bank": "citibank",
  "name": "Citibank",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": "Standard online; $25 Citi Priority, $0 Citigold; $35 at a branch",
  "domestic_in_usd": 15,
  "domestic_in_note": "$0 for Citi Priority and Citigold",
  "intl_out_usd_wire_usd": 40,
  "intl_out_fx_wire_usd": 0,
  "intl_out_note": "Since August 1, 2026, Citi charges $40 online for an international wire in US dollars on standard accounts ($35 Citi Priority, $0 Citigold), $45 through a branch, and $0 online for a foreign-currency wire.",
  "intl_in_usd": 15,
  "intl_in_note": null,
  "cutoff_domestic": "6:45 p.m. ET",
  "cutoff_international": "6:00 p.m. ET",
  "cutoff_note": "Online cutoffs on citi.com are 6:45 p.m. ET for domestic wires and 6:00 p.m. ET for international ones.",
  "waivers": "Citigold Private Client pays no wire fees. Citigold pays nothing for online wires. Citi Priority pays reduced online fees and nothing for incoming wires.",
  "fx_note": "Citi's account agreement says the exchange rate includes a commission to Citibank for exchanging the currency.",
  "schedule_effective": "2026-08-01",
  "checked": "2026-10-24",
  "source_title": "Citibank Consumer Deposit Account Agreement, U.S. Markets",
  "source_url": "https://www.citi.com/content/dam/cfs/mobile/assets/JRS/popups/ao/CDAA.pdf",
  "other_sources": "https://www.citi.com/online-services/fund-transfers"
 },
 {
  "bank": "citizens",
  "name": "Citizens Bank",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": "$18 for a repetitive wire",
  "domestic_in_usd": null,
  "domestic_in_note": "Priced by how you are notified: $18 by mail, $28 by phone, $26 by fax",
  "intl_out_usd_wire_usd": 40,
  "intl_out_fx_wire_usd": 15,
  "intl_out_note": "Citizens charges $40 for a one-off international wire in US dollars ($22.50 repetitive) and $15 for one in foreign currency ($7.50 repetitive).",
  "intl_in_usd": 12,
  "intl_in_note": "$12 in US dollars, $10 in foreign currency",
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": null,
  "waivers": "Citizens Quest, Citizens Private Client and Citizens Private Bank customers pay no wire fees.",
  "fx_note": null,
  "schedule_effective": "2026-10",
  "checked": "2026-10-24",
  "source_title": "Citizens Bank: Personal Deposit Account Fees and Features Guide",
  "source_url": "https://www.citizensbank.com/dam/ceb2aa29-d6d9-4973-8a02-b3fa012f5f28/personal-fees-original-file.pdf",
  "other_sources": null
 },
 {
  "bank": "discover",
  "name": "Discover Bank",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": null,
  "domestic_in_usd": null,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": null,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": null,
  "intl_in_usd": null,
  "intl_in_note": null,
  "cutoff_domestic": "3:00 p.m. ET",
  "cutoff_international": null,
  "cutoff_note": "3:00 p.m. ET for a wire received and fully verified.",
  "waivers": "The fee does not apply to IRAs.",
  "fx_note": "Incoming foreign-currency wires are converted at a rate set by intermediary banks.",
  "schedule_effective": "2026-10-08",
  "checked": "2026-10-24",
  "source_title": "Discover Deposit Account Agreement",
  "source_url": "https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf",
  "other_sources": "https://www.discover.com/content/dam/dfs/online-banking/documents/Domestic_WireTransferRequestForm.pdf"
 },
 {
  "bank": "huntington",
  "name": "Huntington",
  "kind": "bank",
  "domestic_out_usd": 25,
  "domestic_out_note": null,
  "domestic_in_usd": 15,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 75,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": "Huntington lists $75 for an outgoing international wire and does not publish a separate foreign-currency price.",
  "intl_in_usd": 15,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": "Huntington does not publish a cutoff for personal wires.",
  "waivers": "SmartInvest Checking pays no wire fees, and wires between Huntington accounts are free.",
  "fx_note": null,
  "schedule_effective": "2026-10",
  "checked": "2026-10-24",
  "source_title": "Personal Account Charges Form - Huntington Perks Checking",
  "source_url": "https://www.huntington.com/-/media/pdf/RR5INTCHKRPAC.pdf",
  "other_sources": "https://www.huntington.com/-/media/pdf/RR25INTCHKRPAC.pdf https://www.huntington.com/-/media/pdf/RRSMRTNVESTCKGPAC.pdf"
 },
 {
  "bank": "navy-federal",
  "name": "Navy Federal Credit Union",
  "kind": "credit union",
  "domestic_out_usd": 20,
  "domestic_out_note": null,
  "domestic_in_usd": 0,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 25,
  "intl_out_fx_wire_usd": 25,
  "intl_out_note": null,
  "intl_in_usd": 0,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": "Navy Federal publishes only an incoming cutoff: wires received before 6:30 p.m. ET are processed the same day.",
  "waivers": null,
  "fx_note": "Navy Federal says the correspondent bank's rate factors in the cost of exchanging the money on top of the exchange rate itself, and the rate is quoted before you send.",
  "schedule_effective": "2025-05",
  "checked": "2026-10-24",
  "source_title": "Navy Federal Credit Union: Fees & Charges",
  "source_url": "https://www.navyfederal.org/membership/fees-and-charges.html",
  "other_sources": "https://www.navyfederal.org/services/transfers/wire-transfers.html https://www.navyfederal.org/content/dam/nfculibs/pdfs/membership/2043ep.pdf"
 },
 {
  "bank": "pnc",
  "name": "PNC Bank",
  "kind": "bank",
  "domestic_out_usd": 25,
  "domestic_out_note": "Self-service online; $30 agent-assisted",
  "domestic_in_usd": 15,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 40,
  "intl_out_fx_wire_usd": 5,
  "intl_out_note": "PNC charges $40 self-service ($50 with an agent) for an international wire in US dollars and $5 self-service for one in foreign currency ($50 with an agent).",
  "intl_in_usd": 15,
  "intl_in_note": null,
  "cutoff_domestic": "6:00 p.m. ET",
  "cutoff_international": "6:00 p.m. ET",
  "cutoff_note": "Self-service wires go out during business hours, 8:30 a.m. to 6:00 p.m. ET, under PNC's wire agreement. A branch cutoff is not published.",
  "waivers": "Performance Select and Virtual Wallet with Performance Select pay nothing for domestic incoming and outgoing wires. International fees still apply.",
  "fx_note": "PNC's fee schedule says only that foreign-currency wires use its applicable exchange rate. It discloses no markup figure.",
  "schedule_effective": "2026-05-31",
  "checked": "2026-10-24",
  "source_title": "PNC Virtual Wallet Features and Fees",
  "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/fees-vw-A.pdf",
  "other_sources": "https://www.pnc.com/en/personal-banking/banking/checking/fee-schedules/performance-select-checking.html https://www.pnc.com/content/dam/wba-assets/wire-transfers/Self-Service_Wire_and_Money_Transfer_Agreement.pdf"
 },
 {
  "bank": "regions",
  "name": "Regions",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": "$10 for an automatic standing transfer",
  "domestic_in_usd": 15,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 50,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": null,
  "intl_in_usd": 18,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": null,
  "waivers": null,
  "fx_note": null,
  "schedule_effective": "2026-09-09",
  "checked": "2026-10-24",
  "source_title": "Regions: Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule",
  "source_url": "https://www.regions.com/-/media/pdfs/pricing-schedules/Checking-Pricing-Schedule.pdf",
  "other_sources": null
 },
 {
  "bank": "td-bank",
  "name": "TD Bank",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": null,
  "domestic_in_usd": 15,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 50,
  "intl_out_fx_wire_usd": 25,
  "intl_out_note": null,
  "intl_in_usd": 15,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": "TD does not publish a cutoff for outgoing wires.",
  "waivers": "TD Beyond Checking gets incoming wires free and one outgoing wire fee reimbursed each statement cycle.",
  "fx_note": "TD's fee lines read \"plus exchange rate, taxes and correspondent fees\". Its foreign exchange is handled by its affiliate, The Toronto-Dominion Bank. No markup figure is published.",
  "schedule_effective": "2026-07",
  "checked": "2026-10-24",
  "source_title": "TD Personal Fee Schedule",
  "source_url": "https://www.td.com/content/dam/tdb/document/pdf/personal-banking/1-fees-en.pdf",
  "other_sources": "https://www.td.com/content/dam/tdb/document/pdf/personal-banking/beyond-en.pdf https://www.td.com/content/dam/tdb/document/pdf/personal-banking/complete-en.pdf"
 },
 {
  "bank": "truist",
  "name": "Truist",
  "kind": "bank",
  "domestic_out_usd": 20,
  "domestic_out_note": "Online; $30 with a teammate",
  "domestic_in_usd": 15,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 65,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": "Truist lists $65 for a teammate-assisted outgoing international wire and does not publish a separate foreign-currency price. Truist is the one bank here that puts a number on its exchange margin: up to 3%.",
  "intl_in_usd": 20,
  "intl_in_note": null,
  "cutoff_domestic": null,
  "cutoff_international": null,
  "cutoff_note": "Truist publishes a same-day cutoff table in its online banking agreement, but we could not read it from the document, so it is not shown.",
  "waivers": "Marquee Checking and Wealth Money Market pay no fee for outgoing wires, and incoming wires are free on Marquee, Wealth Money Market and the Asset Management Account. Truist One Checking gets one free incoming wire a month.",
  "fx_note": "Truist is the only bank here that puts a number on it: its rate may be a government rate increased by up to 3%.",
  "schedule_effective": "2026-09-28",
  "checked": "2026-10-24",
  "source_title": "Truist Personal Deposit Accounts Fee Schedule",
  "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/rates-fees/personal/truist-one-personal-deposit-accounts-fee-schedule.pdf",
  "other_sources": null
 },
 {
  "bank": "us-bank",
  "name": "U.S. Bank",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": "$25 to another U.S. Bank account",
  "domestic_in_usd": 20,
  "domestic_in_note": "$15 from another U.S. Bank account",
  "intl_out_usd_wire_usd": 50,
  "intl_out_fx_wire_usd": null,
  "intl_out_note": "U.S. Bank publishes one $50 fee for an outgoing international wire and does not price US-dollar and foreign-currency wires separately.",
  "intl_in_usd": 25,
  "intl_in_note": null,
  "cutoff_domestic": "4:30 p.m. CT",
  "cutoff_international": null,
  "cutoff_note": "Same-day online and mobile domestic wires run from 7:30 a.m. to 4:30 p.m. Central on business days. International wires go through a branch or by phone, and no international cutoff is published.",
  "waivers": "Smartly Checking customers aged 18 to 24 or 65 and over get their first two incoming wires each statement period free, and the Smart Rewards program waives incoming wire fees at some tiers.",
  "fx_note": "U.S. Bank converts foreign currency at a retail rate that it says includes its profit, fees, costs and charges.",
  "schedule_effective": "2026-08-10",
  "checked": "2026-10-24",
  "source_title": "U.S. Bank: Personal Banking Consumer Pricing Information",
  "source_url": "https://www.usbank.com/dam/en/documents/pdfs/disclosures/consumer-pricing-information.pdf",
  "other_sources": "https://www.usbank.com/online-mobile-banking/transfer-money/wire-transfers-faq.html"
 },
 {
  "bank": "usaa",
  "name": "USAA",
  "kind": "bank",
  "domestic_out_usd": 20,
  "domestic_out_note": null,
  "domestic_in_usd": 0,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 45,
  "intl_out_fx_wire_usd": 45,
  "intl_out_note": null,
  "intl_in_usd": 0,
  "intl_in_note": null,
  "cutoff_domestic": "4:00 p.m. CT",
  "cutoff_international": "3:30 p.m. CT",
  "cutoff_note": "Wire offices are closed on weekends and federal holidays.",
  "waivers": null,
  "fx_note": "Incoming foreign-currency wires are converted to dollars by correspondent banks before USAA receives them.",
  "schedule_effective": null,
  "checked": "2026-10-24",
  "source_title": "USAA: Wire Transfers",
  "source_url": "https://www.usaa.com/support/banking/wire-transfers/",
  "other_sources": "https://www.usaa.com/banking/checking/"
 },
 {
  "bank": "wells-fargo",
  "name": "Wells Fargo",
  "kind": "bank",
  "domestic_out_usd": 30,
  "domestic_out_note": "Online; $40 at a branch",
  "domestic_in_usd": 0,
  "domestic_in_note": null,
  "intl_out_usd_wire_usd": 30,
  "intl_out_fx_wire_usd": 0,
  "intl_out_note": "Wells Fargo charges $30 online ($40 at a branch) for an international wire in US dollars, and $0 online for one sent in foreign currency ($40 at a branch).",
  "intl_in_usd": 0,
  "intl_in_note": null,
  "cutoff_domestic": "3:00 p.m. PT",
  "cutoff_international": "2:20 p.m. PT",
  "cutoff_note": "Online cutoffs are 3:00 p.m. Pacific for domestic wires and 2:20 p.m. Pacific for international ones.",
  "waivers": "Premier Checking gets unlimited outgoing wire fee waivers. The exchange-rate markup still applies.",
  "fx_note": "Wells Fargo says it sets the exchange rate and that the rate includes a markup, with additional markups outside market hours and on weekends.",
  "schedule_effective": "2026-07-28",
  "checked": "2026-10-24",
  "source_title": "Wells Fargo: Consumer Account Fee and Information Schedule",
  "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=CNS2013&subProductCode=ANY",
  "other_sources": "https://www.wellsfargo.com/help/online-banking/wires-faqs/"
 }
]