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Digital Transfers

Move money quickly online and with our app

Transfer money to yourself and other people

Pay Yourself

Transfer money between your Point Breeze Credit Union accounts and accounts at other U.S. institutions.

Pay a Person

Send payments to other people in real time1 using their phone number or email address.

Plan ahead

Set up recurring payments and transfers to be delivered anytime.

Save time

Digital Transfers are the quickest, simplest way to move your money.

Stay secure

One-time passwords, security questions and email notifications safeguard your activity.

Quick transfers for members on the move

Settle up with your friend for concert tickets, split the bill at your favorite restaurant or pay the babysitter. Move your money when and where you want among your various accounts. Wherever you need to transfer money, you have the digital tools available to take care of things in no time.

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

Frequently asked questions

Pay A Person lets you transfer money to anyone in the U.S. with an account at a bank or credit union. All you need is the recipient’s phone number or email address to send money swiftly and securely, without sharing sensitive account information. You may choose to use Pay A Person to make a one-time payment, to schedule a payment to send on a future date, or to create recurring payments.

Pay A Person utilizes the Debit Card “Rails” and ACH (Automated Clearing House) to process money transfers based upon how the recipient chooses to receive their funds. When you send a payment, your recipient will receive a text or email (depending on how you chose to notify them) prompting them to accept your payment and to select how they want to receive the funds—by entering their debit card information or their account number and bank or credit union routing number (ACH).

When a recipient receives your payment depends on how they choose to receive their funds. If the recipient chooses “Debit Card” as the delivery method, the funds will be received immediately. If they choose “Bank Account” (ACH), the funds will be received the next business day.

ACH payments are processed at 4:00 p.m. ET each business day. If a payment is initiated before 4:00 p.m. ET, the payment will be processed the next business day. If a payment is initiated after 4:00 p.m. ET, it will be processed the second business day after the payment is initiated.

When adding a new payee, you will be required to establish a security question and answer which the recipient must answer correctly to receive your payment. When choosing your security question and answer, make sure it is something known and easy to remember between you and the recipient but difficult for an outsider to guess. It is also recommended that you share this information with your recipient (verbally is ideal) prior to sending a payment.
Once the recipient has successfully answered the security question and added their debit card or bank account information as the preferred method of delivery, they will not be required to answer a security question for subsequent payments from you.

A recipient has 7 calendar days from when your payment is initiated to claim the funds. If the funds are not claimed within 7 calendar days, the payment will be cancelled.

A Point Breeze checking account is required to use these services.

1Payments are credited in real time if the recipient chooses debit card as the payment delivery method. Other delivery methods are credited the next day.