Wire Transfer Instructions
Wire transfer funds into your Light Horse Securities account with no transfer limit, typically credited within 1 business day — or wire funds out to your own bank account.
To fund your Light Horse account via domestic or international wire transfer, provide the following details to your bank.
| Field | Value |
|---|---|
| Bank Name | BMO Harris Bank |
| Bank Address | 111 W Monroe St, Chicago IL 60603 |
| ABA Number (domestic transfers) | 071000288 |
| SWIFT (international transfers) | HATRUS44XXX |
| Beneficiary | Apex Clearing |
| Beneficiary Account Number | 3713286 |
Your full name and Light Horse account number must be included in the memo/description field — a wire missing this information will be returned to the sending bank.
Memo field rules:
- Keep it under 125 characters.
- Avoid special characters:
@ # $ % ^ & * _ = { } [ ] | \ < > " ' : ; ! ~ - Avoid emojis or non-Latin characters (e.g. Chinese, Cyrillic, Arabic).
Notes:
- Funds must be sent in US Dollars — transfers in other currencies will be returned.
- You should be listed as an account holder on the sending account.
- Once a wire is submitted, it can't be edited or canceled — double-check all details before sending.
How to wire money into Light Horse
- Go to Trade (movement icon) in the app.
- Select Transfers.
- Select Deposit → Send a wire transfer → From your bank.
- Give your bank the on-screen wire instructions (the bank details above).
Fee: $8 for a domestic wire, $14 for an international wire.
How to wire money out of Light Horse
- Select Trade in the app.
- Select Transfers.
- Select Withdraw → Withdraw by Wire.
- Choose a bank you've previously wired to, or enter a new bank's information.
- Review the transfer details and select Transfer.
Fee: $25 for a domestic wire, $50 for an international wire, deducted at the time of transfer. This fee and the withdrawal itself can affect your eligible balance for any active promotions.
Frequently Asked Questions
What if I forget to include my account number in the wire description?
Wires without the required "For further credit to: [Your Name], [Account Number]" information will be returned to the sending bank. Always double-check this field before sending.
How long does a wire transfer take to show up?
Domestic wires received before the daily cut-off are typically credited the same business day. International wires may take 1–2 additional business days.
Can I cancel a wire transfer once it's sent?
No — wires go directly between the bank and Light Horse and can't be canceled through Light Horse once sent, whether incoming or outgoing. If a sending bank hasn't released the funds yet, you may be able to ask the bank itself to stop it, but this isn't guaranteed.
How much does a wire transfer cost?
Incoming: $8 domestic, $14 international. Outgoing: $25 domestic, $50 international.