Transferring Funds Between Accounts
From the Transfer page, or by using the Transfer overlay window on the Home or Account information pages, you can transfer funds between any accounts listed on the From account and To account lists. The procedure may differ depending on the account types that you include in the transfer.
- You can schedule a transfer to recur in the future if you originate the transfer from a checking or savings account that allows transfer scheduling.
- We process transfers from loan accounts on the date that the system provides.
- You can originate loan payments only from a checking or savings account.
From the Transfer page, if the External transfer feature is available, you can also transfer funds to and from your accounts at other financial institutions.
Transfer funds to a 
demand deposit or checking account
- Do any of the following to open the transfer feature.
From:
Do this:
Anywhere in the online banking service
In the primary navigation area, click Transfer. The Transfer page appears.
The account list on the Home page
Click the Transfer
button associated with an account. The Transfer utility appears in an overlay window.
The Account information page
In the account navigation area, click Transfer to initiate a transfer for the current account. The Transfer utility appears in an overlay window.
- From the From account drop-down list, select the originating account.
For your reference, the pre-transfer account balance appears beneath the From Account drop-down list. For loan accounts from which you can initiate transfers, the available credit balance appears. Account balances below $0.00 may appear in a different color.
- From the To account drop-down list, select the destination account.
For your reference, the pretransfer account balance appears beneath the To Account drop-down list. Account balances below $0.00 may appear in a different color.
- In the Date field, either accept the default date that the system provides or type a new date. If you are establishing a recurring transfer, type the date on which you want the first transfer to occur.
If you choose the current business day as the scheduled start date, the online banking service processes the first transfer immediately; the transfer does not appear on the transfer list.
- Optional: Select the Repeat check box to schedule this transaction to repeat one or more times in the future. Additional fields appear.
-
From the Frequency drop-down list, select the schedule'srecurrence pattern.
You can schedule transfers to recur by using any of the following frequencies.
Frequency:
Occurs:
Weekly
On the same day as the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Every two weeks
On the same day as the date that you specify in the Date field.
Twice monthly
On the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Monthly
On the same day of the month that you specify in the Date field.
Every two months
On the same day of the month that you specify in the Date field.
Quarterly
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Every six months
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Annually
On the same day of the month that you specify in the Date field.
Some options may not be available to all users.
From the Frequency drop-down list, select the schedule'srecurrence pattern.
You can schedule transfers to recur by using any of the following frequencies.
Frequency:
Occurs:
Weekly
On the same day as the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Every two weeks
On the same day as the date that you specify in the Date field.
Twice monthly
On the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Monthly
On the same day of the month that you specify in the Date field.
Every two months
On the same day of the month that you specify in the Date field.
Quarterly
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Every six months
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Annually
On the same day of the month that you specify in the Date field.
Some options may not be available to all users.
-
Depending on the Frequency that you select, the Transfer on drop-down list may become available. From the Transfer on drop-down list, select one of the followingoptions (if available).
Frequency:
Option:
Recurrence:
Weekly
Selected date
Each week on the same day that you type in the Date field.
[Day] (for example, Monday)
Each week on the day that you select.
Twice monthly
2nd & 4th [Day] (for example, 2nd and 4th Tuesday)
On the second and fourth occurrence each month of the day that you select.
[Date] & [Date ](for example, 1st and 16th)
Each month on the dates that you select.
15th & Month-End
On the 15th of the month and the last day of the month.
Monthly
Selected date
Each month on the same day that you type in the Date field.
[Date] (for example, 1st)
Each month on the date that you select.
[Number] [Day] (for example, 1st Monday)
Each month on the day that you select.
Month-End
Each month on the last day of the month.
Quarterly
Selected date
Every three months on the same date that you type in the Date field.
[Date], [Date], [Date], [Date] (for example, Jan 15, Apr 15, Jul 15, Oct 15 )
Every three months on the dates that you select.
Every six months
Selected date
Twice per year on the same date that you type in the Date field.
[Date], [Date] (for example, Jan 15, Jul 15)
Twice each year on the dates that you select.
-
Select a Repeat the transferoption.
You can schedule transfers to recur for any of the following durations.
Select this:
Then do this:
To:
Until I delete it
n/a
Repeat the transfer with the selected frequency until you disable it.
A total of [Number] times
Type the number of times in the associated field
Repeat the transfer a specific number of times.
Until [Date]
Type the date in the associated field
Repeat the transfer until the date that you specified. If a transfer's frequency results in a transfer occurring on or before the specified date, the online banking service generates the transfer.
- In the field associated with the Amount row, type the transfer amount.
- Click Preview transfer. A preview of the transfer appears.
- Verify the transaction details, and then click Complete transfer. The system provides either of the following options:
- If the amount is less than $10,000, the system submits the transfer and a transaction confirmation message appears. Proceed to step 10.
- If the amount is equal to or higher than $10,000, the system displays the Passcode field and sends a one-time passcode to your registered email address. Proceed to step 9.
- Type the one-time passcode and click Continue. The system submits the transfer and a transaction confirmation message appears.
You must type the one-time passcode correctly to re-authenticate a high value transfer. If you type an incorrect passcode, the system displays a message, "Incorrect passcode" under the Passcode box.
- Click
Print to print the transfer confirmation.
The confirmation message includes a confirmation number. If you do not print the confirmation message, be sure to make note of the number in case you have any questions about the transfer in the future.
loan account
- Do any of the following to open the transfer feature:
From:
Do this:
Anywhere in the online banking service
In the primary navigation area, click Transfer. The Transfer page appears.
The account list on the Home page
Click the Transfer
button associated with an account. The Transfer utility appears in an overlay window.
The Account information page
In the account navigation area, click Transfer to initiate a transfer for the current account. The Transfer utility appears in an overlay window.
- From the From account drop-down list, select the originating account.
For your reference, the pretransfer account balance appears beneath the From Account drop-down list. Account balances below $0.00 may appear in a different color.
- From the To account drop-down list, select the destination account.
For your reference, the pretransfer account balance, principal amount due, or other value may appear beneath the To Account drop-down list. Account balances below $0.00 may appear in a different color.
- In the Date field, either accept the default date that the system provides or type a new date. If you are creating a recurring transfer, type the date on which you want the first transfer to occur.
If you choose the current business day as the scheduled start date, the online banking service processes the first transfer immediately; the transfer does not appear on the transfer list.
- Optional: Select the Repeat check box to schedule this transaction to repeat in the future. Additional fields appear.
-
From the Frequency drop-down list, select the schedule'srecurrence pattern.
You can schedule transfers to recur by using any of the following frequencies.
Frequency:
Occurs:
Weekly
On the same day as the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Every two weeks
On the same day as the date that you specify in the Date field.
Twice monthly
On the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Monthly
On the same day of the month that you specify in the Date field.
Every two months
On the same day of the month that you specify in the Date field.
Quarterly
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Every six months
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Annually
On the same day of the month that you specify in the Date field.
Some options may not be available to all users.
From the Frequency drop-down list, select the schedule'srecurrence pattern.
You can schedule transfers to recur by using any of the following frequencies.
Frequency:
Occurs:
Weekly
On the same day as the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Every two weeks
On the same day as the date that you specify in the Date field.
Twice monthly
On the date that you specify in the Date field, or on a day that you select from the Transfer on drop-down list.
Monthly
On the same day of the month that you specify in the Date field.
Every two months
On the same day of the month that you specify in the Date field.
Quarterly
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Every six months
On the same day of the month that you specify in the Date field, or on a mid-month or month-end date that you select.
Annually
On the same day of the month that you specify in the Date field.
Some options may not be available to all users.
-
Depending on the Frequency that you select, the Transfer on drop-down list may become available. From the Transfer on drop-down list, select one of the followingoptions (if available).
Frequency:
Option:
Recurrence:
Weekly
Selected date
Each week on the same day that you type in the Date field.
[Day] (for example, Monday)
Each week on the day that you select.
Twice monthly
2nd & 4th [Day] (for example, 2nd and 4th Tuesday)
On the second and fourth occurrence each month of the day that you select.
[Date] & [Date ](for example, 1st and 16th)
Each month on the dates that you select.
15th & Month-End
On the 15th of the month and the last day of the month.
Monthly
Selected date
Each month on the same day that you type in the Date field.
[Date] (for example, 1st)
Each month on the date that you select.
[Number] [Day] (for example, 1st Monday)
Each month on the day that you select.
Month-End
Each month on the last day of the month.
Quarterly
Selected date
Every three months on the same date that you type in the Date field.
[Date], [Date], [Date], [Date] (for example, Jan 15, Apr 15, Jul 15, Oct 15 )
Every three months on the dates that you select.
Every six months
Selected date
Twice per year on the same date that you type in the Date field.
[Date], [Date] (for example, Jan 15, Jul 15)
Twice each year on the dates that you select.
-
Select a Repeat the transferoption.
You can schedule transfers to recur for any of the following durations.
Select this:
Then do this:
To:
Until I delete it
n/a
Repeat the transfer with the selected frequency until you disable it.
A total of [Number] times
Type the number of times in the associated field
Repeat the transfer a specific number of times.
Until [Date]
Type the date in the associated field
Repeat the transfer until the date that you specified. If a transfer's frequency results in a transfer occurring on or before the specified date, the online banking service generates the transfer.
-
In the Amount row, if multiple payment options are available, select either:
- A payment for an amount that the system provides. Proceed to step 9.
The user-defined payment option. Continue to step 7.
This amount may include either or both applicable late fees and past-due balances, if any.
- In the Amount row, from the drop-down list of payment types (if available), select the type of payment that you are making.
- In the field associated with the Amount row, type the transfer amount.
- Click the Preview transfer button. A preview of the transfer appears.
- Verify the transaction details, and then click Complete transfer. The system provides either of the following options.
- If the amount is less than $10,000, the system submits the transfer and a transaction confirmation message appears. Proceed to step 13.
- If the amount is equal to or higher than $10,000, the system displays the Passcode field and sends a one-time passcode to your registered email address. Proceed to step 12.
- Type the one-time passcode and click Continue. The system submits the transfer and a transaction confirmation message appears.
You must type the one-time passcode correctly to re-authenticate a high value transfer. If you type an incorrect passcode, the system displays a message, "Incorrect passcode" under the Passcode box.
- Optional: Click Print to print the transfer confirmation.
The confirmation message includes a confirmation number. If you do not print the confirmation message, be sure to make note of the number in case you have any questions about the transfer in the future.
See Also