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Send Money Instantly

1. Send free person-to-person money transfers*

* Transfers scheduled for overnight delivery will incur a transaction fee

2. Request money from contacts via email or phone

3. Organize and manage all transactions



What are different ways I can send money to someone?
You can send money using a recipient’s:
■ Email address: your recipient will receive an email with instructions on how to direct the payment into his or her Eligible Transaction Account.
■ Mobile number: a text message will be sent to the recipient with instructions on how to direct the payment into his or her Eligible Transaction Account. If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent reminding him/her to act on the payment notification.
■ Eligible Transaction Account information (routing and account number): money will be directly deposited into your recipient’s Eligible Transaction Account. You will also have the option to send the recipient an email.

How does it work?

■ Log into your account through Equitable Bank’s iBanking.
■ Click on the Pay your Bills Tab.
■ Tell us who you want to pay by entering their email address or mobile phone number. (They don’t need to have an existing Popmoney account.)

How does the recipient receive their money?
The recipient will get a notification letting them know you have requested to send them money. If they already use Popmoney™, they most likely will not have to do anything. If their financial institution offers Popmoney™, they can deposit payments directly through their online banking site. If they are new to Popmoney™ and Popmoney™ is not offered by their financial institution, they will need to create an account at In as little as 1 to 3 business days, the money will be deposited directly to their bank account. (Popmoney Terms and Conditions Apply)

When will funds be deducted from my account?
If you make a payment before 8 p.m. ET on a business day, the funds will be debited from your Eligible Transaction Account the same day. You should see the transaction on your account statement the following day. If you make a payment after 8 p.m. ET or on a non-business day, the funds will be debited from your Eligible Transaction Account the next business day. If you use a debit card to make a payment, the funds will be debited from your account immediately.

When will the recipient receive the funds?
The timing to receive the funds depends on the type of account used to make the payment. The delivery speed will be displayed when you schedule the payment. It could take additional time if your contact has not used Popmoney or will have to log in and accept the payment. Transfers typically take 1-3 business days to process for regular delivery. Overnight delivery is available for an additional charge.

Can I cancel a payment?
Yes. You may cancel a payment any time before or on the send date, until the payment has begun processing. Your recipient will be notified if you cancel a payment after a payment notification has been sent.

Why do I have limits on my payments?
For your protection, limits have been created on how much money and how many payments can be sent during various time periods. Limits may vary by user and apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. To view these limits, click the icon next to the Amounts field.

How much does it cost to send money using Popmoney?

What if a recipient forgets to claim the transfer?
Recipients will have 10 days to claim a payment, and they will receive automatic reminders on the 3rd and 7th day. After the 10th day, the payment will be refunded to you and you will need to resubmit the transfer if you so choose.

Is Popmoney™ secure?
You trust and safety are our highest priority. From the moment information is sent to Popmoney™ to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used. For every initial payment to a new email address or mobile phone number, a one-time passcode is sent to the user. The user must provide that passcode back to Popmoney™ to verify his “ownership” of that mobile number or email address before he can deposit the payment.