Wire instructions will change effective Saturday, September 12, 2026. Please share the updated information below with any parties sending wire transfers to your account.

FNBO Routing Number: 104000016
FNBO SWIFT Code: FNBOUS44

• Starting September 14, 2026, wire requests will originate from FNBO’s primary routing number 104000016.
• Incoming wires using CCB’s primary routing number 101001306 will continue to be processed.
• Incoming wires using routing numbers other than FNBO or CCB's primary routing numbers may not be processed.

All cutoff times are listed in Central Time (CT)

• To continue using drawdown services, customers will need to enroll with FNBO.
• Contact your Treasury Sales Representative for details to avoid disruptions.

• FNBO plans to convert existing online wire templates built at CCB into FNBO's online wire system. 
• Please review your templates prior to September 11 to ensure accuracy.

Business Connect offers a Master Recipient List, a centralized list of ACH and wire recipients. This allows users to create, edit, and manage recipient information in a single location.

• Dual control is an important fraud‑prevention feature.
• Wire initiation and approval permissions are established by online administrators.
• These permissions are managed by your organization’s online administrators.

• Callback verification is not performed for wires submitted online or at the branch.
• Callback may occur for phone‑in wires with dual control or for fraud verification.
• Email advice notifications can be set up through your Treasury Sales Representative. Fees may apply.

• Outgoing wire alerts may be set up by individual users in Business Connect.

• SureKey is an out‑of‑band authentication (OOBA) method that uses a personal approval code separate from the Wire PIN.
• Each user must set up a personal six‑digit SureKey code and, when submitting a wire, enter it along with a one‑time password (OTP) sent to their phone.
• Enrollment occurs at the customer profile level, and each user processing wires must complete their own SureKey setup.
• To learn more, view the SureKey Enrollment Guide located in the resource library below.

• USD wire transfers, both domestic and international, can be initiated online through Business Connect.
• Wire PINs will be issued to current online wire users and are required for phone‑in wire requests.
• Beginning September 14: Contact the Wire Operations Group for assistance with USD wire transfers at 800‑638‑9777.

• Wire PINs will be issued to current online wire users and are required for phone‑in wire requests.
• Customers who frequently send FX wires may enroll in FX Online by contacting their Treasury Sales Representative.
• Beginning September 14: FX wire transfers can be initiated by calling the Global Banking Team at 888-464-7804.