Learn how to safely bring funds to closing, including when to use a certified check or wire transfer.
At 24 Hour Title, we accept funds for closing based on the total amount:
- Under $10,000: Certified check is accepted
- Over $10,000: Wire transfer is required
Due to the increase in fraud involving certified checks, many banks now treat them similarly to personal checks and may place multi-day holds on the funds. If a hold is placed, we are unable to record the deed and complete the closing on time. To avoid delays, any amount over $10,000 must be sent via wire transfer.
How to Wire Money for Closing
We only send wire instructions through the CERTIFID system.
CERTIFID is a secure third-party fraud prevention platform that verifies both the sender and recipient using identity verification, biometrics, and geo-tracking technology. This helps protect your transaction from wire fraud.
You can learn more about CERTIFID here: https://certifid.com/
24 Hour Title will send CERTIFID instructions directly to the buyer (or the party wiring funds) 1–2 days prior to closing.
Wire Transfer for Closing — What to Expect
A wire transfer for closing is the fastest and most reliable way to deliver funds when the amount is over $10,000. Once you receive CERTIFID instructions:
- Verify the instructions only came through CERTIFID (not email).
- Initiate the wire with your bank using those verified details.
- Allow time for your bank to process and for us to confirm receipt.
- Keep confirmation handy in case your closing team needs to match the incoming funds.
Wiring money for closing early enough in the day helps avoid same-day banking cutoffs that can push recording to the next business day.
Can I Wire Funds the Day of Closing?
Sometimes yes — but it depends on your bank’s wire cutoff time, the county recording window, and whether all other closing conditions are already clear. Same-day wires are riskier because a late or failed transfer can delay deed recording and disbursement.
Best practice: plan to send your wire as soon as you receive CERTIFID instructions (usually 1–2 days before closing), not at the last minute on closing day.
Important Security Notice
For security reasons, we do not send wire instructions to Realtors or wholesalers directly.
24 Hour Title will NEVER send wire instructions via email or any system other than CERTIFID.
If you receive wire instructions through any other method, contact our office immediately before sending funds.
Related Closing Resources
Wire Transfer FAQs
How do I wire funds for closing?
We only send wire instructions through CERTIFID. After you receive those verified instructions (usually 1–2 days before closing), initiate the wire with your bank using those details and keep your confirmation for matching.
Can I wire funds the day of closing?
Sometimes, but same-day wires are riskier. Bank cutoffs and recording windows can push completion to the next business day. Plan to wire as soon as CERTIFID instructions arrive.
When do I need a wire transfer vs a certified check?
Under $10,000: a certified check is accepted. Over $10,000: a wire transfer is required because banks often place multi-day holds on certified checks, which can delay recording.
Will you email me wire instructions?
No. 24 Hour Title will NEVER send wire instructions by email or any system other than CERTIFID. If you receive instructions another way, call our office before sending funds.
Do you send wire instructions to my Realtor?
For security reasons, we do not send wire instructions to Realtors or wholesalers directly. CERTIFID instructions go to the buyer or the party wiring funds.