Jack Henry Wires Settings

Every financial institution is different and will have their own way of doing things. With the settings within Jack Henry Wires, your financial institution can configure institution-wide settings like fees, email notifications, and more.

If you’re looking for information on how to grant user-level permissions for enterprise users within Jack Henry Wires, please see our Users & groups page.

General wire settings

From the settings icon , under General wire settings, you can manage Jack Henry Wires settings related to your core.

Common settings

Within General wire settings, there is a section for Common settings. After updating any of the following fields within Common settings, be sure to select the Save button to enforce your changes.

Use GL cost center (SilverLake Only)

When this toggle is turned on, the cost center field appears on the Add Wire screen in the General Ledger section of SilverLake. This setting is off by default.

Use GL product code (SilverLake Only)

When this toggle is turned on, the Product Code field appears on the Add Wire screen in the General Ledger section of SilverLake. This setting is off by default.

Available balance calculation code (SilverLake Only)

Use this optional field to select a calculation code that is used in the Validation Balance Type table. Values are defined in the core system. This field is not available for Symitar.

Allowed account types

This field allows financial institutions to select the account types to draw funds from for outgoing wires and determines which account types can be credited for incoming wires. All account types are selected by default. Valid selections include: checking, savings, club, loan, and overdraft protection. (Note: Loan and overdraft protection are not available options for Symitar Jack Henry Wires customers.)

Allowed relations

This field allows users to select which account relationships (such as primary, joint, etc.) can send outgoing wires. The values available for this field are defined within your core system.

Validation balance types (SilverLake only)

For each account type (checking, savings, club, loan, and overdraft protection), you can select what account balance non-sufficient funds (NSF) validations are verified against. This field dictates if an NSF validation is performed against the user’s available balance, collected balance, current balance, or none of the above. After making any updates, select the Save button to record your changes.

Fee code settings (SilverLake only)

These settings allow you to input your core-defined fee codes and analysis codes for regular incoming, regular outgoing, return incoming, and return outgoing wires. You may input a fee code and analysis code for each type of wire (regular incoming, regular outgoing, return incoming, return outgoing) or opt to leave it blank. Save any changes you made by selecting the Update button on the appropriate row. If you change multiple fee codes or analysis codes at once, ensure you select the Update button for each row that you are updating to record all your changes.

Fee management settings

Wire fees are applied as a flat fee to all wires regardless of the wire amount. However, you do have the option to configure your default fees and give employees permission to override fees on a case-by-case basis.

How to configure wire fees

To set wire fee amounts, select the settings icon and then navigate to Fee management. From there, you can set wire fee amounts for the different wire types: Regular Outgoing wires, Regular Incoming wires, Return Incoming wires, and Return Outgoing wires. For each of these wire types, you may also designate whether an officer is required to override the wire fee.

How to override a fee

To override a fee, you must have the Fee control permission. Select a wire and go to:

View Details → Fees → Override Fee

Then enter the override amount, officer name, and return reason and select Submit.

Email notification settings

The email notifications setting allows you to send emails to your end users when their wire transfers are completed. Email notifications can be configured for both outgoing and incoming wires.

How to set up email notifications

From the settings icon , go to Email notifications. Add a new account you want to set up notifications for by selecting the + button and then enter the Account ID, Customer name, and Account description and select Save. If the account already exists, select the account from the Accounts menu to configure its notification settings.

Once an account is selected, you can add in the accountholder’s preferred email address and select whether you want them to be notified for inbound wires, outbound wires, or both, and select Save to complete.

Wire approval settings

These settings allow you to determine how many approvers a wire must have based on its amount. You can create multiple approval rules so that as the amount of the wire increases, more approvals will be required.

You can manage these settings from the settings icon under the Wire approval option. You can choose to either edit or delete existing approval rules or add a new rule with the + New approval rule button. When editing or creating a rule, you must specify if it applies to outgoing or incoming wires. Each rule also has an amount threshold that must be entered ($0.00 is an option if you want the rule to apply to all wires). When a wire meets or exceeds the amount threshold, it must receive the number of approvals determined by the approval rule. For example, if you create a rule that all wires $5,000.00 or more must have three approvals, then a $5,000.00 wire would require three authorized employees from your financial institution to approve it.

Conflicting approval rules

The system will not allow you to create a new rule if there is an existing rule for that type of wire (i.e. incoming or outgoing) with the same amount threshold. For example, if you tried to create a rule that outgoing wires $2,000.00 or more needed two approvals but there was already an existing rule that said outgoing wires $2,000.00 or more needed one approval, you would get an error message saying Wire limits conflict. This restriction does not apply however if the wire type is different, meaning you can have a rule for incoming wires and a rule for outgoing wires that share the same amount threshold.

In the event that you set up overlapping rules, the system will apply the more restrictive rule. Say you have one rule that says outgoing wires $0.00 or more must have one approver but you also have another rule that says outgoing wires $100.00 or more need zero approvers. If you send a $100.00 wire, the system will apply the more restrictive rule and require one approver.

Disclaimer settings

This setting allows you to create a custom disclaimer that will appear on the printed signature form for an initiated wire.

From the settings icon , select Disclaimer and then add in whatever text you’d like your end user to see when they sign the wire signature form.