Transfer to a Cross Account

A cross account is an account belonging to another individual at your financial institution. Cross account transfers allow you to transfer funds from one of your deposit accounts (i.e., a checking or savings account) to a cross account. Funds may transferred in real time, for future-dated transfers, or for recurring transfers.

Prior to making any cross account transfers, you must set up a cross account by adding the receiving party’s account information to the online banking system. Once cross accounts are established, you may edit or delete cross accounts as necessary. You can also transfer funds to cross accounts using Mobiliti™.

Note: Cross accounts can only be added or deleted via Online Banking.

  • Your financial institution must purchase the Cross Account Transfer add on module.

  • The receiving account must be established as a cross account in the online banking system to make cross transfers.

  • You cannot view balances and other details related to cross accounts.

When you set up a fund transfer from one of your deposit accounts to a cross account, you can only view the available balance for the accounts listed in the From Account field on the initial transfer page. If an account has a negative balance, the amount displays in parentheses, for example, (272.64).

  1. Navigate to the Requests page and click the Setting up transfer to another customer link to access the Transfer – Cross Account List page.

  2. Click Add Another Account. The Transfer - Add Cross Account page displays.

    1. Type the account number of the cross account in the Account Number field.

    2. Type the last name of the account holder in the Last Name field.

    3. Type a nickname for the cross account in the Account Nickname field. This nickname displays in the Cross Account and in the To Account dropdown when you enter your transaction details.

    4. Click Submit to add this account to the cross account list or click Cancel to return to the Transfer – Cross Account List page without adding an account.

    5. Click Confirm when the Confirmation pop-up displays.

  3. Either a Completed or a Failed message displays. In either case, click OK to go to the Cross Account Transfer – List page. You may then add more cross accounts (repeat steps 2-8) or transfer funds to an account that is not yours (refer to Transferring Funds To a Cross Account.

  1. Click the Transfer Funds tab at the top of any online banking page and select the Transfer to an account that is not yours navigation link to access the Transfer to an account that is not yours page.

    1. If the Cross Account Transfer add-on module is not activated, contact your financial institution.

    2. If cross accounts are not established, follow the procedures in the Adding a Cross Account section.

    2. Note: An error message may display on the Transfer to an account that is not yours page if the Cross Account Transfer add-on module is not activated or cross accounts are not set up.

  2. When the Transfer to an account that is not yours page displays without an error message, do the following:

    To set up…

    Go to…

    An immediate one-time cross account transfer

    Step 3

    A future one-time cross account transfer

    Step 4

    A recurring cross account transfer

    Step 5

  3. To set up an immediate one-time cross account transfer, click the One Time Immediately tab.:

    1. Select the account from which funds will be withdrawn in the From Account dropdown.

      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. Select another individual’s account to which funds will be deposited in the To Account dropdown.

    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. Go to step 6.

  4. To set up a future one-time cross account transfer, click the One Time in the Future tab.

    1. Select the account from which funds will be withdrawn in the From Account dropdown.

    2. Select another individual’s account to which funds will be deposited in the To Account dropdown.

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

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

    4. Type the date in the mm/dd/yyyy format or use the calendar icon for the On this date field to specify date cross account transfer should occur.

    5. Type your Password, if shown.

    6. Go to step 6.

  5. To set up a recurring cross account transfer, click the Recurring tab.

    1. Select the account from which funds will be withdrawn in the From Account dropdown.

    2. Select another individual’s account to which funds will be deposited in the To Account dropdown.

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

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

    2. Select the frequency for the cross account transfer in the Frequency dropdown.

    3. Type the date in the mm/dd/yyyy format or use the calendar icon in the Starts field to specify the start date for the recurring cross account transfer.

    4. In the Ends field, either select:

      • Never to manually stop the recurring cross account transfer.

      • After radio button and designate the number of recurring cross account transfers to occur.

    5. Type your Password, if shown.

    6. Go to step 6.

  6. Click Continue to request the transfer or Cancel to go to the Accounts Overview page.

  7. Click Confirm & Transfer to confirm the transfer, Edit to return to the Transfer to an account that is not yours page to review/change the transfer data, or Cancel to return to a cleared Transfer to an account that is not yours page.

  8. If the transfer was successful, “Transfer Complete” displays above the transfer date. You may perform one of the following:

    1. Click Make another Transfer and repeat Steps 2 and 3 to make another transfer.

    2. Click View All Scheduled to view the Scheduled Transfers page listing all of your scheduled fund transfers.

  9. If the transfer is unsuccessful, “Transfer NOT Completed” displays with a detailed error message. You may perform one of the following:

    1. Click Edit to return to the Transfer to an account that is not yours page and change the transfer data.

    1. Click Make Another Transfer to go to a cleared Transfer to an account that is not yours page and enter data for a new transfer.

    2. Click View All Scheduled to view the Scheduled Transfers page.

  1. Navigate to the Requests page and click the Setting up transfer to another customer link to access the Transfer – Cross Account List page.

  2. Click on the account nickname you want to edit in the Cross Account list. The Cross Account pop-up displays.

  3. Type the new nickname in the Account Nickname field.

  4. Click Save to save your change(s) or Cancel to return to the Transfer – Cross Account List page without saving the change.

  1. Navigate to the Requests page and click the Setting up transfer to another customer link to access the Transfer – Cross Account List page.

  2. Click the trash can icon in the Account Nickname column of the account you want to delete.

    3. The Transfer – Delete Cross Account – Confirmation pop-up displays.

  3. If you are certain you want to delete the account from the Cross Account list, click Yes-Delete. To return to the Transfer – Cross Account List page without deleting the account, click No.