Person-to-Person (P2P) Payments

There is no fee for ACH deposits. For real-time deposits, there is a $1.99 fee paid by the recipient. The recipient chooses at collection time whether to receive the funds instantly (with the fee) or wait 1–3 business days via ACH at no charge.

No. Payments are drawn from the funding account you selected during setup — no debit card required.

If the recipient chooses real-time collection, funds are available immediately. Via the ACH network, delivery typically takes 1–3 business days depending on the recipient's financial institution.

Yes. Funds are sent using only an email address or phone number — no account numbers are shared. P2P is built into our online and mobile banking platforms, which include extensive security features. That said, never share your password or security codes with anyone.

During the first 30 days of your membership, you can transfer up to $250 per day. After that introductory period, your daily limit increases to $750.

The recipient will receive a notification (via email or text) with instructions to collect the payment. The process varies slightly depending on whether they're a first-time or returning recipient, but the system guides them step by step.