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Pay A Person FAQs

Setting up Pay A Person

  • U.S. Bank Pay A Person, powered by Popmoney, is an easy way for you to send money electronically from your U.S. Bank account to anyone who has a bank account in the United States.

    Pay A Person eliminates the hassles of checks and cash, so that sending and receiving money is as easy as emailing and texting. You can now send money directly to a person's bank account, a faster and easier way for the recipient to receive your money.

  • Pay A Person works through the online banking services, using the same systems and security you rely on today. It's available both online and on mobile devices, and you can send money to anyone who has a bank account in the United States.

     

    To send money, you’ll need ANY ONE of the following:


    1. Recipient's bank account number and routing number - This is the fastest and easiest way for recipients to receive your Pay A Person payment. Your money will be deposited directly to the recipient’s bank account, and you also have the option to request an email notification for your recipient.
      - OR -
    2. Recipient's email address - If you choose this option, the recipient will receive an email with instructions on how to direct the payment into his/her bank account.
      - OR -
    3. Recipient's mobile phone number - With this option, the recipient will receive a text message with instructions on how to direct the payment into his/her bank account.

     

    We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

  • You can use U.S.Bank Pay A Person to send money to anyone who has a bank account in the United States. There are many ways you can use it to make your life easier, such as:

    • Paying rent to your landlord or roommates
    • Sending money as a gift to family and friends
    • Sending money to your child at college
    • Splitting the tab at a restaurant
  • In order to process your transaction, we may share your name, email address, phone number and anything you typed into the message field with the recipient.

  • U.S. Bank Pay A Person is currently available only for recipients with bank accounts in the United States. Our Western Union Money Transfer® service is a great alternative for sending money almost anywhere in the world.

     

    Learn more about Western Union

Sending Money

  • You can send money using U.S. Bank Pay A Person either online or via your mobile device.

    To send money, you’ll need to provide or know:

    • Recipient information, including bank account information, email address, or mobile phone number
    • Your bank account number from which to withdraw the payment
    • The amount you wish to send

    You will receive a confirmation receipt via email when the transfer is completed.

  • To send money, you only need ANY ONE of the following:

    1. Recipient's bank account number and routing number - This is the fastest and easiest way for recipients to receive your Pay A Person payment. Your money will be deposited directly to the recipient's bank account, and you also have the option to send an email notification to your recipient.
      - OR -
    2. Recipient's email address - If you choose this option, the recipient will receive an email with instructions on how to direct the payment into his/her bank account.
      - OR -
    3. Recipient's mobile phone number - With this option, the recipient will receive a text message with instructions on how to direct the payment into his/her bank account.

    We recommend that you notify your recipient separately via text or email to expect a payment from U.S. Bank Pay A Person.

  • Because it's the fastest and easiest way for recipients to receive your Pay A Person payment.

    When you provide your recipient’s bank account number and routing number, your money will be deposited directly to the recipient's bank account, with no further action required by the recipient.

  • If a payment is sent with the recipient’s bank account information and the recipient has enabled auto deposits, no further action is required; the funds go directly to that account.

    If a payment is sent to an email address or mobile phone number and/or the recipient has auto-deposit turned off, the recipient will have 10 days to accept the deposit. After this, the funds will be returned to the sender.

  • The timing of your account debit depends on the delivery speed you choose.

    • For Instant Payment deliveries, the funds will be debited immediately after you submit the transaction. (Instant Payment works 24/7 every day, including non-business days.)
    • For Next Day Payment deliveries scheduled before 9 p.m. CT on business days, the funds will be debited the same day. (Funds for Next Day Payments scheduled after 9 p.m. CT or on non-business days will be debited the following business day.)
    • For Standard Payment deliveries scheduled before midnight CT on business days, the funds will be debited the same day. (Funds for Standard Payments scheduled after midnight CT or on non-business days will be debited the following business day.)
  • A U.S. Bank account isn't required to receive money via Pay A Person. Your recipient will receive an email or text with instructions on how to claim the money you send.

    Make sure you tell the recipient to expect a U.S. Bank Pay A Person email or text and to complete the Popmoney registration if their bank is not part of the Popmoney network. If your recipient's bank is part of the Popmoney network, then no registration will be required; all they have to do is accept the funds.

  • If you send a payment using your recipient's bank account information, you have the option to send an email notification. If you use this option (which we strongly recommend), an email will be sent immediately.

     

    If you send a payment using your recipient's email or mobile phone number, an email or text message will be sent immediately, with instructions on how to claim the money you send.

    After the recipient completes the instructions to claim the payment, the money will be deposited into his or her account based on the delivery speed you choose. (Subsequent payments do not require this step.)

    • If you choose Instant Payment delivery, the recipient will receive the money instantly if he/she has enabled (“turned on”) automatic deposits to his or her account. If the auto-deposit option has not been selected, the recipient will receive the money immediately after they accept the payment
    • If you choose Next Day delivery, the recipient will receive the money the next business day.
    • If you choose Standard delivery, the money will be deposited within three business days.

    If the recipient doesn't claim the payment within 10 days, the transaction will be cancelled, the recipient will be notified, and the funds will be returned to your account.

  • Yes. You will receive an email or text message with payment details showing that the transaction has been deposited and fully processed.

    If your recipient doesn’t claim the payment within 10 days, the transaction will be cancelled, the recipient will be notified, and the funds will be returned to your account.

    We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

  • Limits apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. To check your limits, go to the Send Money screen within the Online Banking Popmoney service and click on the Help icon next to the Amount field.

  • Yes. Fees are based on how much you send and how quickly you need it delivered. You'll see the total fee before you complete the transaction.

  • To cancel a payment before before it has been deposited to your recipient’s account, log in to U.S. Online Banking or call 800-872-2657 (800-US BANKS). Payments that have already been claimed by the recipient cannot be canceled.

  • Yes, you can change or cancel your next scheduled payment anytime before the send date. If you wish to edit the next scheduled payment, you can update the send date, amount, subject line and personal message without affecting future payments.

    You can also edit or delete the entire recurring payment plan at any time.

  • You can add a Pay A Person recipient online at any time. To send money to a new recipient, you’ll need to provide recipient information, including bank account information, email address, or mobile phone number.

  • When you send money using your recipient's email address, you will see an option to "Add a greeting" near the Message field. If you choose this option, you will be able to personalize an email payment with any of Popmoney’s electronic greeting templates.

  • The greeting template that you select (along with any message you add) is sent to your contact as part of the payment notification email.

  • No. "Add a greeting" is available only when you send money.

Instant Payments

  • If your recipient is eligible to receive Instant Payments, the Instant Payment option will appear at the time you make your payment. If you don’t see the Instant Payment option, it means your recipient’s financial institution does not accept Popmoney Instant Payments.

  • Most Instant Payment transactions happen in a matter of seconds.

  • If you send an Instant Payment using your recipient's email or mobile phone number, an email or text message will be sent immediately, with instructions on how to claim the money you send.

    If you send an Instant Payment using your recipient's bank account information, you have the option to send an email notification. (We strongly recommend that you use this option.)

    • If you choose to send an email notification, an email will be sent immediately.
    • If you choose not to send an email notification and the recipient has enabled auto deposits, the recipient will need to check his or her transactions online to find out whether the payment has been received into the account you specified when you sent the payment.

     

Requesting Money

  • You can send a request for money to someone using his/her:
    • Email address – Your contact will receive an email with instructions on how to pay the request.
      - OR -
    • Mobile phone number – A text message will be sent to the recipient on your behalf with instructions on how to pay the request.

     

  • Three business days after the recipient of the request makes a payment, the money will be deposited automatically to the account you selected when you sent the request.
  • For your protection, limits have been created on how many requests and value of requests can be sent during various time periods. To view your available limits, click the icon next to the Amounts field.
  • Yes. You can request money from up to five contacts at once by entering their phone numbers or email address in the From field. You can also request or specify different amounts from different people in the same request.
  • No. The fee will be deducted only If you receive a payment; if the request is not paid, no fee will be charged.
  • Yes, you should. A personal message gives your contacts the confidence that they are receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to your contacts.
  • Yes, you may cancel a payment any time before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.

Responding to a Request for Money

Receiving Money

  • Your recipient will receive a text message or an email from you saying money was sent via U.S. Bank Pay A Person. After the recipient follows the instructions to claim the payment, the money will be deposited into the recipient’s account, and the payment details will be added to the recipient’s account history.

  • First-time recipients who are U.S. Bank customers will be automatically registered with Popmoney when they log in to U.S. Bank Pay A Person. Recipients can go to the To Do / Receive Money list to deposit the money to the account of their choice.

    First-time recipients who are not U.S. Bank customers will receive a notification (email or text message) with instructions on how to register with Popmoney and claim the money. Once this is done, the money will be deposited into their account, and the payment details will be added to their account history.

    Repeat recipients will receive a notification if you send money using an email address or mobile number that is different from the ones they entered in U.S. Bank Pay A Person. To get the money, recipients should select incoming payments in U.S. Bank Pay A Person. For recipients with more than one account, incoming payments can be directed to the account of their choice.

  • No, your recipient can deposit the payment to any of the accounts on his/her account list.

  • Automatic Deposit is a Popmoney option for recipients that makes it faster and easier to receive Pay A Person payments.

    If you are a recipient, you can designate one account into which payments from all senders will be deposited. Once you set this up as your preference, there's nothing more for you to do. You will be notified of incoming payments via email, and the payment will automatically be deposited into your selected account. You can change your Automatic Deposit preferences anytime.

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