Wire transfers can take up to a few days to show. It depends when the receiving bank does their end of the deal. I just went through this on a deal that didn't go down. Your bank cannot give you any protection once that money goes, period !!! After multiple calls to the City's consumer protection dept.'s and DA's office about protections and recourse of action for a buyer about a long distance deal, here was my conclusion. Aside from being able to have a cashiers check made up, during banking hours, with the seller present, I would only use an accredited escrow company, unless the vehicle is being purchased from a well known, long established dealership. There are good escrows online. The fee is more than reasonable. Here's how it goes. Set up the account and deposit the money. Seller can check and verify funds are their and clear. Seller sends title to escrow company ( Usually a separate service that is offered ). Car is picked up by carrier. Once car is received, escrow is informed and payment released to seller. Title is released to new owner. This is all assuming that you have inspected the car personally or had a trusted inspector do it for you. The car I was going to buy was on the other side of the country and frankly I don't have the time or money to be flying all over creation for every car I may buy. Find an excellent pre purchase inspector, not difficult to do, in the area. Tell him what concerns you most and ask for thorough photo and video documentation. You want a test drive too. You don't want his opinion on the value, that's your's to determine. You just want accurate info and him to be picky as all heck. You determine what is and what is not acceptable for you to purchase. If a seller wasn't open to this idea and I wasn't able to do the transaction in person with a trailer on site, I'd move on. Too many thieves and scammers these days. Too bad, but it's true.