Transfer Between Your Accounts

When the Transfer Funds tab is selected, the Transfer Between Your Accounts page immediately displays. You may request any of the following transfer fund options on this page to transfer funds between your deposit accounts (i.e., your checking or savings accounts).

  • One Time Immediately – Transfers funds between two of your deposit accounts immediately.

  • One Time in the Future – Sets up a transfer between two of your deposit accounts at a future date.

  • Recurring – Sets up a transfer between two of your deposit accounts beginning on a start date to repeat at a defined interval (or “frequency”) either for a defined period of time or until you delete the transfer request.

When you set up a funds transfer, you can view the available balance for all accounts listed in both the From Account and To Account fields on the initial transfer page. If an account has a negative balance, the amount displays in parentheses, for example, (272.64).

Funds transfers for the current day process immediately. The cutoff time set by your financial institution determines when an immediate transfer will be posted on the next business day following nightly processing.

The following transfer frequencies may be requested for recurring transfers:

  • Weekly – Every week. Each recurrence of a transfer is scheduled one week after the previous transfer.

  • Bi-Weekly – Every two weeks. Each transfer is scheduled once every two weeks. For example, if the first transfer is set up for 12/15/2020, the next transfer occurs two weeks later on 12/29/2020.

  • Twice Per Month – Twice per month. This frequency typically schedules two transfers per month, each 15 days apart. However, there are some exceptions to this pattern depending on the number of days in the month and the date of the first transfer.
    The following examples illustrate how this frequency works.

    In this first example, the first transfer requested using the Twice Per Month frequency is scheduled for the beginning of the month:

    • Occurrence

    Pay Date

    Next Scheduled Pay Date

    1

    1/1/2020

    1/16/2020

    2

    1/16/2020

    2/1/2020

    3

    2/1/2020

    2/16/2020

    4

    2/16/2020

    3/1/2020

    5

    3/1/2020

    3/16/2020

    In this second example, the first transfer requested using the Twice Per Month frequency is scheduled for the middle of the month:

    Occurrence

    Pay Date

    Next Scheduled Pay Date

    1

    1/15/2020

    1/30/2020

    2

    1/30/2020

    2/15/2020

    3

    2/15/2020

    3/2/2020

    4

    3/2/2020

    3/15/2020

    5

    3/15/2020

    3/30/2020

  • 4 Weeks – Every four weeks. This frequency can also be described as “every 28 days”. Each transfer is scheduled 28 days after the date of the previous transfer. For example, if the first transfer is set up for 7/22/2020, the next occurs on 8/19/2020, followed by 9/16/2020, etc.

  • Monthly – Every month. Recurring transfers are scheduled at one-month intervals. For example, if the first transfer is scheduled for 12/15/2020, the next transfer occurs one month later on 01/15/2021.

  • Month End – Last day of each month. Each recurring transfer is set up for the end of each month (e.g. on 12/31/2020, 01/31/2021, etc.).

  • Bi-Monthly – Every two months. Each transfer is scheduled two months after the previous transfer. For example, if the first transfer is set up for 12/15/2020, the next transfer would be two months later on 02/15/2021.

  • Quarterly – Every quarter. A recurring transfer is scheduled once every quarter or four times each year. For example, a transfer on 12/15/2020 is followed three months later by a transfer on 03/15/2021.

  • Semi-Annual – Every six months. A recurring transfer is scheduled twice a year with one transfer followed six months later by another (e.g., on 12/15/2020 and then on 06/15/2021).

  • Annually – Every year. Each transfer is scheduled once a year. That is, a transfer on 12/15/2020 is followed by another on 12/15/2021, etc.

  1. Make sure the One Time Immediately tab is highlighted on the Transfer Between Your Accounts page.

  2. On the Step 1 page for this type of transfer:

    1. In the From Account dropdown, select the account from which funds will be withdrawn.

      2. Note: Only the types of accounts that support transfers as defined by your financial institution display in the From Account and To Account lists.

    2. In the To Account dropdown, select the account to which funds will be deposited.

    3. Type the Amount of the transfer in dollars (and cents if appropriate). You cannot enter a dollar sign.

    4. Type your Password, if shown.

    5. Click Continue to go to the next step or Cancel to go to the Accounts Overview page.

  3. When the Step 2 page displays, click Confirm & Transfer to go to the next page, Edit to return to the Step 1 page to review/change the transfer data, or Cancel to return to a cleared Step 1 page.

  4. When the Step 3 page displays, if the transfer was successful, “Transfer Complete” displays above the date of the transfer. Click Make another Transfer to go to the Step 1 page and enter data for a new transfer or View All Scheduled to view the Scheduled Transfers page listing all of your scheduled fund transfers.

    5. Note: If the transfer is unsuccessful, “Transfer NOT Completed” displays with a detailed error message. You may click: a) Edit to return to the Step 1 page and change the transfer data; b) Make Another Transfer to go to the Step 1 page and enter data for a new transfer; or c) View All Scheduled to view the Scheduled Transfers page.

  1. Click the One Time in the Future tab on the Transfer Between Your Accounts page.

  2. On the Step 1 page for this type of transfer:

    1. In the From Account dropdown, select the account from which funds will be withdrawn.

      2. Note: Only the types of accounts that support transfers as defined by your financial institution will appear in the From Account and To Account lists.

    2. In the To Account dropdown, select the account to which funds will be deposited.

    3. Type the Amount of the transfer in dollars (and cents if appropriate). You cannot enter a dollar sign.

    4. In the On this date field, type the date in the future when the transfer should occur, or click the month icon next to the field and select a date from the calendar.

      5. Note: An error message displays if you enter a date on a weekend or holiday.

    5. Type your Password, if shown.

    6. Click Continue to go to the next step or Cancel to go to the Accounts Overview page.

  3. When the Step 2 page appears, click Confirm & Schedule to go to the next page, Edit to return to the Step 1 page to review/change the transfer data, or Cancel to return to a cleared Step 1 page.

  4. When the Step 3 page appears, if the transfer was successful, “Transfer Scheduled” displays above the date of the future transfer. You may click Make another Transfer to go to the Step 1 page and enter data for a new transfer or View All Scheduled to view the Scheduled Transfers page listing all of your scheduled fund transfers.

    5. Note: If the transfer is unsuccessful, “Transfer NOT Scheduled” appears with a detailed error message. You may click: a) Edit to return to the Step 1 page and change the transfer data; b) Make Another Transfer to go to a cleared Step 1 page and enter data for a new transfer; or c) View All Scheduled to view the Scheduled Transfers page.

  1. Click the Recurring tab on the Transfer Between Your Accounts page.

  2. On the Step 1 page for this type of transfer:

    1. In the From Account dropdown, select the account from which funds will be withdrawn.

      2. Note: Only the types of accounts that support transfers as defined by your financial institution display in the From Account and To Account lists.

    2. In the To Account dropdown, select the account to which funds will be deposited.

    3. Type the Amount of the transfer in dollars (and cents if appropriate). You cannot enter a dollar sign.

    4. In the Frequency field, select a frequency or time interval for the recurring transfer.

      5. Note: For more information, refer to the Recurring Transfer Frequencies section.

    5. In the Starts field, type the current date or a date in the future when the first transfer should occur, or click the month icon next to the field and select a date from the calendar.

      6. Note: An error message appears if you enter a date on a weekend or holiday.

    6. In the Ends field, either select Never (until I delete the recurring transfer) or After and type the number of times (from 2 to 9999) the transfer should occur.

      7. Note: If Never is selected, the transfer continues to occur until you delete it on the Scheduled Transfers page. If After is selected and a number is entered, your administrator may set up Online Banking to notify you via email or online messaging when there is one remaining transfer. Ensure that you are set up for system alerts on the Setup Alerts page to receive the transfer expiration notifications.

    7. Type your Password, if shown.

    8. Click Continue to go to the next step or Cancel to go to the Accounts Overview page.

  3. When the Step 2 page appears, click Confirm & Schedule to go to the next page, Edit to return to the Step 1 page to review/change the transfer data, or Cancel to return to a cleared Step 1 page.

  4. When the Step 3 page appears, if the transfer was successful, “Transfer Scheduled” displays above the date of the first scheduled transfer. You may click Make another Transfer to go to the Step 1 page and enter data for a new transfer or View All Scheduled to view the Scheduled Transfers page listing all of your scheduled fund transfers.

    Note: If the transfer is unsuccessful, “Transfer NOT Scheduled” appears with a detailed error message. You may click: a) Edit to return to the Step 1 page and change the transfer data; b) Make Another Transfer to go to a cleared Step 1 page and enter data for a new transfer; or c) View All Scheduled to view the Scheduled Transfers page.