External Account Transfers FAQ

You can add accounts that you own at other FIs to your online banking profile and transfer funds externally. These functions depend on our financial institution's settings and may not be available.

There are two types of external accounts: external transfer accounts and linked/aggregated accounts. This section details external transfer accounts. You can make transfers to and from external transfer accounts, but you can only view balances and transactions in linked/aggregated accounts.

When you connect the account, we make two small deposits of random amounts into your account at the other institution. When the deposits are complete, you enter and verify the amounts in either online banking or mobile banking. The deposits verify your ownership of the account and that any future transfers to or from that account will process correctly. The deposits should take fewer than five business days to process.

Note:  You can only request external transfer accounts held at domestic (United States and US territories) FIs that use American Bankers Association (ABA) routing numbers.

 

Adding an external account

On the Add External Account page, you can enter information that is used to add an external transfer account.

Note:  To remove an external transfer account, contact our financial institution.

To add an external transfer account

  1. In the navigation menu, click or tap Services > Add External Account.
  2. On the Add External Accounts page, do the following:
  • In the Account Number field, enter the account number at the other FI.
  • In the Routing Number field, enter the routing number of the other FI. The image on the screen illustrates where the routing number is located on a check. If the account is not a checking account, verify the correct routing number with the other FI.
  • From the Account Type drop-down list, select the external account type.
  1. Click or tap Submit to complete the addition of the account.

 

Verifying an external account

The Account Verification page lists the external transfer accounts that you have requested, along with the status of the link.

To verify an external transfer account

  1. In the navigation menu, click or tap Services > Verify External Account. The Account Verification page appears.
  2. Do the following:
  • Click or tap the account that you want to verify.
  • In the Verify Deposit Amounts area, enter the amounts of the two deposits that we made to the external account.
  • Click or tap Continue.
  1. After verification, the external transfer account appears in the list of accounts that you can use in transfers.

 

Making account to account transfers

Transfer funds to someone else who has an account at the same institution by entering the recipient's account information and last name. This feature may not be available, depending on your FI's configuration.

Note:  The term Account to Account may also be referred to as Person to Person, Member to Member, or Client to Client.

To make a single transfer

  1. In the navigation menu, click or tap Transactions > A2A Transfer.
  2. Click or tap Single transfer.
  3. In the Enter Your Account Information section, enter the following information:
  • In the From Account drop-down list, click or tap an account.
  • In the Amount field, enter an amount to transfer.
  • (Optional) In the Description field, enter a description of the transfer.
  1. In the Enter Recipient Customer Account Information section, enter the following information:
  • In the Recipient Email Address field, enter the email address of the person to whom you are transferring the funds.
  • Enter the recipient's Account #.
  1. Click or tap Submit to complete the transfer.

 

Linking an internally - held account

Link another person’s account to your own to make repeated or future-dated deposits to that account. The recipient must have an account with the financial institution.

To link an internally-held account

  1. In the navigation menu, click or tap Transactions > A2A Transfer.
  2. Click or tap Link Account.
  3. Enter the Recipient Email Address.
  4. Enter the recipient's Account #.
  5. Click or tap Submit to complete linking the account.