In a perfect world, all of your money would be kept in a central location where it would be readily available every time you need it. However, we often keep money in multiple places for many different reasons. Our powerful transfer money tool lets you freely move money to and from each of these accounts, making it a powerful ally in an effort to keep your finances organized. It’s one of the simplest, most helpful money management tools.

With our external transfer tool, transferring money between your accounts with us and your accounts at other financial institutions is easy and secure.  Once you’ve set up an external account, the process is simple.  From Transfer Funds, just indicate how much, where to send the money, and when to send it.  You may also add new accounts at any time.  Activity displays your recent transfers.  You can filter your list by type as well as by date range.  Plus, you can edit or delete transfers that are still pending.  Selecting a transfer in the list shows its details.  Manage Accounts displays your eligible accounts with us, as well as the other accounts you’ve added.  You can add new accounts and activate accounts pending verification.  Selecting an account displays the details.  From here, you can delete the account or simply edit its information.

Transferring money to and from other financial institutions is easy.  From the Transfer Funds page, begin by entering the amount.  Then, select which accounts to transfer from and to.  Your accounts with us will already be available, and you will need to add the external account you plan to transfer to or from.  You can add a new account using the Add a New Account link here or in the Manage Accounts Tab.  Once an external account is verified, you can begin transferring money.  Next, enter the date you’d like to send the money.  If it’s recurring, select the frequency.  And if you’d like, include a memo.  Then Review.  If everything is correct, confirm it.  Next, for an added layer of protection, you may be asked to verify your identity by receiving a verification code on your phone.  Just select how you’d like to receive your code.  Then depending on your choice, you’ll soon receive either a text message or phone call.  Simply enter this code to verify your identity.  That’s it.  Your transfer will be completed on the date you selected.  From here, you can make another transfer or view a list of your transfer activity.

From the Activity tab, you can review your transfer activity at any time. By default, the list will display all transfers for the selected time frame.  You can filter your list to show those that match a selected criteria and use the slider to narrow or expand the date range.  Each transfer displays the send date, whether or not it’s recurring, the accounts, status, and the amount.  Expanding a transfer displays the details, Including the reference number, fees, and other details.  Transfers that have a status of pending can be edited.  If it’s recurring, you can make changes to all remaining transfers or just the next pending transfer.

Manage Accounts lets you manage which accounts are available for transfers.  Expanding an account displays the details and lets you delete it or make changes.  To add an external account, begin by selecting the account type.  Choose a nickname, then enter the financial institution’s routing number and your account number.  Next, you’ll be asked to verify ownership of the account.  This is done one of two ways.  If you know your login credentials for online banking at the other financial institution, you can verify your account instantly, or we can verify the account using test deposits.  This is a simple three-step process.  Once you click Start, we will make two small deposits into the account you are adding.  Within a couple of days these two test deposits will be credited to your account.  Once you locate these deposits in your transaction history, log back in.  and return to the Manage Accounts page.  Locate your new account, and select activate now.  Then just enter the amounts of the test deposits.  That’s all it takes.  The account is now activated, and it will appear in your drop down lists.  Keep in mind that you cannot transfer money between two outside accounts.  One of the accounts must always be with us.