Wire Transfers are a great way to move funds from one financial institution to another. The transfer will usually be available on the same day you initiate the transaction. International wire transfers may take up to one week to be available to the receiver. The cutoff time for a domestic (within the U.S.) wire transfer is 4:00 pm. The cutoff time for international wire transfers is 12:00 pm. If you wish to send funds to another financial institution, it is recommended that you contact the other institution first to find out what the wiring instructions are. If you wish to receive funds at your M-C account, please call for wiring instructions and see the wire transfer form.