Fees and Timing for Sending and Receiving Money
Last updated: October 14, 2026
This article lists what Every charges, and how long each payment takes, when you send or receive money from your Every business account.
Fees at a glance
Every doesn't charge a fee to send ACH, wire, check or international payments, or to receive wires.
Payment type | Every fee |
|---|---|
ACH (send, US) | $0 |
Domestic wire (send, US) | $0 |
Mailed check (send, US) | $0 |
International payment (send) | $0 transfer fee. Intermediary banks may deduct their own fees (see International payments) |
Incoming wire (domestic or international) | $0. The sending bank may charge its sender a wire fee |
How long payments take
Times are in business days, so weekends and US federal bank holidays add time.
Payment type | Typical arrival |
|---|---|
Domestic wire | Within 1 business day. Same day when sent before the daily wire cutoff |
ACH | 3–5 business days |
Mailed check | 7–10 business days to reach the recipient |
International via Visa | About 3–4 business days, depending on the receiving bank |
International via Treasury | 1–2 business days to approve a new recipient, then about 3–4 business days to arrive |
International payments
Every doesn't charge a transfer fee on international payments, whether you send them via Visa or from your Treasury account.
Exchange rate shown up front. Before you confirm, the payment screen shows what you send in USD, what your recipient gets in their currency, and the rate (for example, $1 USD = X EUR).
Intermediary bank fees. International payments can pass through one or more intermediary (correspondent) banks. Those banks may deduct a fee, typically $20–$40, so your recipient can receive slightly less. This is standard across payment providers and isn't an Every fee.
Pay in the recipient's currency to avoid surprises. When you pay in the recipient's local currency, the amount shown under "Recipient gets" is what they receive. If you send USD to a non-US bank, the payment screen shows "Additional fees may apply" because intermediary fees are more likely.
Receiving money
Every doesn't charge for incoming wires. The sender's bank may charge them a fee to send the wire, and that depends on their bank and the amount.
Domestic wires and ACH. Use your account and routing number from Banking > Home > Account Details.
International wires. These go to your Treasury account; your business checking account can't receive international transfers. The international wire details are in the same Account Details panel, below your US details, and appear only when Treasury is enabled.
Intermediary fees on incoming international wires. An intermediary bank may deduct a fee before the funds reach Every, so the amount received can be slightly lower than what was sent.
Moving more than $100,000. Send a wire. For smaller amounts, you can connect your other bank and Every can pull the funds for you.
FAQ
Why did my recipient get less than I sent internationally?
An intermediary bank most likely deducted a fee on the way, typically $20–$40. Paying in the recipient's local currency is the best way to make sure they get the exact amount shown.