Customer Solutions Center

External Transfers Frequently Asked Questions

What do I use this service for?

This service can be used to transfer funds from your accounts at other financial institutions and into your Washington Trust accounts or vice versa.

How does the service work?

Once you have added your accounts at other financial intuitions and your Washington Trust accounts, you can set up a transfer to or from your Washington Trust accounts.

What accounts can I use with this service?

Any checking or savings account may be used with in the service. Money Markets may also be used, however you may wish to check with your financial institution to verify if the account can be used. Loan, Brokerage and Business accounts cannot be used within this service.

Can I use my kids' account with the service?

You can add any account to the service provided you are able to verify ownership by confirming trial transactions.

How do I setup an account with the service?

Access the External Transfers service within Online Banking and click the 'Set Up New Account' link. Simply complete the requested information including Institution Routing Number, Account Number, Type of Account and your Name.

For verification, a small deposit and small withdrawal will be made to each account added to the service within 3 business days. Don't worry - we won't overdraw your account. The deposit will always be more than the withdrawal.

Once the deposit and withdrawal post to your account, return to the 'Manage Accounts' page and click on 'Activate' link. You will be asked to enter the amounts of both transactions. If both values entered are correct, the account(s) will be activated.

Can I send funds to someone else's account?

Currently, you can use this service to transfers between your accounts.

Can I set up a future date or recurring transfer?

Yes, you can set up a future dated one time transfer or you can schedule a recurring transfer.

Can I use this service to transfer money internationally?

International transfers are not available through this service.

When does my transfer happen?

Standard Transfers will be completed within 3 to 5 business days. Expedited Transfers will be completed within 2 business days. Please note, transfers cannot be scheduled to process on Bank Holidays or weekends.

I added the account but it does not appear in the Transfer Menu.

Accounts must be activated before a transfer may be processed. Refer to the 'Manage Accounts' section to determine the current status of an account. If the account is Locked, please contact the Customer Solutions Center at 800-475-2265 for assistance.

Do account transaction limits and/or fees assigned by my financial institutions apply to Funds Transfer Service transactions?

Yes, any fees or transaction limits associated with your accounts by individual financial institutions apply to transactions submitted through the External Transfers service.

Please contact the individual financial institution to determine if there are any fees or limits associated with accounts you have added to this service.

How do I cancel a funds transfer request?

You may cancel a transfer by clicking the 'Cancel' link within the Pending Transfers screen. Transfers that list a status other than 'Pending' cannot be cancelled.

How will I know when a transfer is complete?

You can check the status of your transfer with the service by click on the History menu and reviewing the 'Transfer' section.

Why would an attempted transfer be unsuccessful?

A Transfer request will be unsuccessful if it cannot be posted to your account. The most common reasons for failed or returned transfers include:

  • Insufficient Funds
  • Closed Account
  • Dollar or Transaction Limits exceeded

You will receive an email regarding the status of your transfer. Please contact the Customer Solution Center 800-475-2265 with any additional questions.

For more information about Online Banking, contact our Customer Solutions Center at (800) 475-2265 or by email.

Customer Solutions Center

(800) 475-2265

Telephone Banking available 24/7 at

(800) 226-5877

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