Real Time Account Transfer

Real time transfers & payments

Send and receive funds in real time using the My1Click Mobile Banking App or Personal Internet Banking

For one of your payees to be eligible to receive a real-time transfer or payment, you must have previously processed a Bank to Bank Transfer or Domestic Wire Transfer to that payee, and their bank must participate in the network. Transactions are not limited.

What you need to know

  • Your payee’s bank must participate in the network and you must use an eligible routing number.
  • If you’ve done a Bank to Bank Transfer or Domestic Wire Transfer to a payee and their bank participatestheir bank participates This link will open in a new window in network you’re all set. You’ll see your eligible real-time payees when you initiate a transfer in the mobile app or on your Personal Internet Banking page.
  • Set up new payees in Personal Internet Banking first.
  • Real-time payments are available by using the My1Click Mobile Banking App or Personal Internet Banking.
  • After you set up your payee, use the My1Click Mobile Banking App or continue on your Personal Internet Banking page to send transfers or payments in seconds. If using the My1Click Mobile Banking App, you’ll need to log on using two-factor authentication, using an My1Click Security Device or facial recognition/fingerprint to sign-in. If using Personal Internet Banking, you will need to log on using two-factor authentication, using user and password
  • When using the mobile app, if your payee is eligible for a real-time transfer or payment, you’ll see their name when you initiate a transfer in the app. On Personal Internet Banking, if your payee is eligible for a real-time payment or wire, the option will be available after selecting the payee. If using the mobile app, or Personal Internet Banking, you’ll receive an instant confirmation that your payment was sent in your Messages inbox.