Our free Person-to-Person (P2P) digital banking service allows you to easily send money to anyone, 24/7, with just a few taps on your mobile device.  

Sharing Your Money Should Be Simple—Not Complex.

In today’s world, we know that having complete and convenient control of your finances is key. Our P2P payment service allows our members to send money to another person via email or text directly from their savings or checking accounts.

Why Use Our P2P Payment Service?

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All you need is a mobile device, the recipient’s name and email address or their mobile phone number. Our service eliminates wait time and fees associated with transferring funds from other apps. It’s free for both our members and the recipient.*

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Our P2P Payment service does not require sign-on information and offers the option of linking the payment directly to the recipient’s bank account, which differs from other services. And, a required security question offers an added layer of protection to ensure the payment can’t be accepted by an incorrect recipient. 

*Mobile carrier text messaging fees may apply.


Be sure to check out the answers to the most common questions we receive below. If you can’t find the information you’re looking for, simply reach out to our Customer Service team through our chat on the mobile app. If you’d prefer in-person assistance, visit your local branch and an associate will be happy to help.

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Common Questions

Members may send money from checking and savings accounts.

This service is only available for consumer and trust accounts.

No, funds can only be sent on demand and if they are available.

Yes, at the time of processing, if the member no longer has the funds available, the payment will follow normal account and POS overdraft tolerance rules and fee structures. Any fees that generate because of a Send Money transaction will follow standard Courtesy Pay and NSF capping rules.

No, payments can only be accepted into a U.S.-based financial institution.

Once the recipient accepts the funds, they are transferred within one business day or less. This is determined by the type of transaction.

Once the recipient accepts the funds, they are transferred within one business day or less. This is determined by the type of transaction.

Users will be notified through the email or mobile phone number provided at the time of payment. The method of communication will remain the same throughout the entire payment. When the sender initiates the payment in Online Banking, the recipient will receive a notification to accept the funds.

All payment history will be available to view within online banking.

Yes, the security question is required for every transaction.

The answer is not case sensitive, but, otherwise, the answer must be entered by the recipient the same way the sender typed it (same spelling and number of spaces).

The sender is responsible for letting the recipient know what the answer to the question is. If the recipient answers the security question incorrectly three times, the payment is automatically canceled, and the recipient and sender are notified.

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For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.