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Person-to-Person Payment (Popmoney®)

Send and receive money the easy way, for free

Easy transfers. Send or receive money with just a phone number or email address

  • Overview

    Did you know? You can pay family and friends easily and for FREE, with just an email or phone number.

    Send and receive money anytime, anywhere all within your AFFCU online banking account.

    Here’s How Simple It Is

    • Log into Online Banking (CyberMAT)
    • Click on: Bill Pay tab
    • Complete the passcode request
    • Bill Pay Pop Up Window will appear
    • In bottom right hand corner, click on link: What else can I do?


    • Two boxes will appear:
      • (1) Bill Pay
      • (2) Send Money / Popmoney
    • Click on: Send Money / Popmoney


    Why use Popmoney?

    • Send and receive money anytime, anywhere
    • Pay anyone quickly and safely
    • Simple and secure service conveniently available within online banking
    • Recipients don’t have to have an existing Popmoney account
    • Request money from someone with just their email or phone number
    • Get an automatic alert when a payment is sent or received
    • Save valuable time; no trips to the financial institution necessary

     


    Start Sending and Receiving Money!

    Log into Online Banking (CyberMAT), and follow the instructions above to start using Popmoney today.

    Log Into Online Banking


    Savings Interactive Lesson

    Explore how to develop smart saving habits through the AFFCU Financial Education Center. Learn about the different types of savings accounts to consider opening so you can start stashing away that extra cash you’re earning from your Visa Debit Card.

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  • Questions

    Frequently Asked Questions


    Jump to a specific category of frequently asked questions


     

    Registration

    • Popmoney is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current bank/financial institution account.

    • Sending Money

      To send money, log in to your online banking account and look for Popmoney.

      Send money to anyone using their email address or account information.

      You will be notified when the transaction is completed.

      Receiving Money

      When someone sends money to you, you will receive an email or text message.

      If your financial institution offers Popmoney, you can log in to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at Popmoney.com, and your money will be sent to that account.

      If you do not provide your account information, the payment will be automatically returned to the sender's account.

      Money sent directly to an account will be automatically deposited. No action is required by the recipient.

    • Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online.

      The following are just a few of the convenient ways that you can use Popmoney:

        • Send money to your child at college
        • Send a gift to family and friends
        • Reimburse friends for that fun outing
        • Pay your babysitter or your lawn care service
        • Pay rent to your landlord or roommates
    • No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

    • Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

     

    Sending Money

    • You can send money to someone using their email address, mobile number or account information: Email address: your contact will receive an email with instructions on how to direct the payment into his or her account. Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account. You may want to tell your contact that standard message and data rates may apply. Account information (routing and account number): the money will be deposited directly into your contact's account. You will also have the option to send an email to your contact.
    • This depends on the delivery option selected by the sender. If the sender has selected 3-Day or Standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business days after accepting the payment.

      If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day if you are sending money to someone who has used Popmoney and has selected the Automatic Deposit option. Funds will also be available on the next business day if you have provided your contact's account information.

      In some cases, like when you have exceeded payment limits, the funds will be available in three business days

    • If you make a payment before 7:00 p.m. Pacific time on a business day, the funds will be debited from your account on the same day. You should see the transaction on your financial institution statement the following day.

      If you make a payment after 7:00 p.m. Pacific time or on a non-business day, the funds will be debited from your account on the next business day.

    • For your protection, limits have been created on how much money and how many payments can be sent during various time periods. You can click the help icon next to the Amounts field to view your available limits.

    • No, currently you can only use Popmoney to send money within the United States. If you send a payment to your contact's email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your bank account.

    • A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment.

    • The fees, if any, are shown when you select a delivery option.

    • 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.

    • There are two ways to add a contact:

      Click on the Contacts tab and click on the Add Contact button. Enter the required fields and click Save.

      Click on the Add New Contact link in the drop-down list that appears when you click on the To field. Enter the required fields on the popup window and click Save.

    • Yes, Popmoney allows you to schedule one time or recurring future payments. See sections "Scheduled Payments" below.

     

    Requesting Money

    • You can request money to someone using his/her: Email address: your contact will receive an email with instructions on how to pay the request. Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.
    • 3 business days after the recipient of the request makes a payment. The money will be deposited to the account you selected when sending the request.

    • For your protection, limits have been created on how many requests and value of requests can be sent during various time periods. Please click the Icon next to the Amounts field to view your available limits.

    • Yes. You can request money from multiple contacts 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. Fee will be deducted only if you receive a payment. No fee will be charged if the request is not paid.

    • A personal message gives the contact the confidence that he/she is receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to the contact.

    • Yes, you may cancel a request as long as your contact has not initiated the payment. You will not see the button to "cancel" after your contact has paid the request.

     

    Incoming Payments & Alerts

    • If you are expecting a payment and you do not see it in your Incoming Payments, this is most likely because you have not added the email address or mobile number to which the payment was sent. Have you added this email address or mobile number? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the payment immediately.

    • Click Activity to view the estimated date when the funds will be available. All payments are available within 3 business days, though some may be available sooner depending on delivery speed and the date that the payment was sent.

    • As a security precaution, the sender provided your mobile number when they scheduled the payment. You need to verify access to this mobile number in order to confirm your identity and receive the funds.

    • Please call the sender to edit the mobile number. The sender can edit the mobile number by clicking Activity and editing the transaction.

      Do not attempt to deposit this payment! The funds will be returned to the sender if you are unable to verify access to the mobile number.

    • Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which payments from all participating financial institutions will be automatically deposited. After selecting this option, there is nothing more for you to do. You will be notified of incoming payments by email or text message, and all payments will be sent into your selected account. You can edit automatic deposit settings in Preferences.

    • There are two reasons why automatic deposit may not work for incoming payments:

      First, the payment might not have been sent to an email address or mobile number in your profile. You can click Preferences to add and verify additional email addresses or mobile numbers.

      Second, as an extra security precaution, the sender is sometimes required to provide your mobile number when they schedule a payment. You need to verify access to this mobile number in order to receive the payment.

    • You have ten days from the send date to deposit a payment. When a payment expires, the funds are returned to the sender. After a payment expires, you will have to contact your sender to request another payment if you still wish to receive the funds.

     

    Received Requests & Invoices

     

    Activity

    • Below is a list of all the possible payment statuses and their definitions:

      On Hold: The payment was placed on hold because the sender failed verification when attempting to schedule the payment. Please call 210-673-5610 to remove the hold.

      Pending:

      If this is a payment you sent, the recipient was notified of this payment. The funds will be withdrawn from your account the next day.

      If this is a payment you received, the payment is being processed and the funds will be deposited into your account within three business days.

      In Progress:

      If this is a payment you sent, the recipient was notified of this payment and the payment is being processed.

      If this is a payment you received, the funds are being processed and will be deposited into your account within three business days.

      Failed: A payment may fail due to one of the following reasons:

        • The recipient is unable to validate access to the mobile phone as provided by the sender.
        • The funds could not be deposited into the account provided by the recipient.
        • There are insufficient funds in the account to cover the amount of the payment.

      Stopped: The sender stopped the payment after the send date. The funds are returned to the sender's account.

      Expired: The recipient has ten days from the send date to provide instructions on how to deposit the payment. After the payment expires, the funds are returned to the senders account.

      Completed: The payment has successfully been deposited into the recipient's account.

    • A payment may fail due to one of the following reasons:

        • The recipient is unable to validate access to the mobile phone as provided by the sender.
        • The funds could not be deposited into the account provided by the recipient.
        • There are insufficient funds in the account to cover the amount of the payment.
    • You can stop a payment any time after the send date if the payment has not been deposited into the recipient's account. To stop a payment, go to Activity and click the Stop Payment button. You will not see the Stop Payment button if the option is no longer available.

    • To view or edit future-dated payments and recurring payment plans, click on the Scheduled Payments tab.

     

    Scheduled Payments

    • Below is a list of all the possible scheduled payment or payment plan statuses and their definitions:

      Active: The payment plan has been scheduled. It will be processed per your instructions when the send date arrives.

      Cancelled: The payment or payment plan was cancelled by the sender.

      On Hold: The payment or payment plan was placed on hold because the sender failed verification when attempting to schedule it. Please call 210-673-5610 to remove the hold.

      Pending: The payment has been scheduled. It will be processed according to your instructions when the send date arrives.

    • Yes, you can edit or cancel a future-dated payment any time before the send date. You can only edit certain fields, which include Send Date, Amount, Subject Line, Personal Message, and My Notes.

      You can also stop a payment any time after the send date if the payment has not been deposited into the recipient's account. To stop a payment, go to Activity and click the Stop Payment button. You will not see the Stop Payment button if the option is no longer available.

    • Yes, you can edit or cancel the next payment any time before the send date or the entire recurring payment plan at any time. For the next payment, you can edit the Send Date, Amount, Subject Line, and Personal Message, without affecting the rest of the plan. For the entire recurring payment plan, you can edit the same fields as well as the Frequency and Duration.

     

    Contacts

    • The information you provide on a contact determines how the payment you send to them will be processed and how he/she will be notified. Email address: your contact will receive an email with instructions on how to direct the payment into his or her account. Account information (routing and account number): the money will be directly deposited into your contact's account. You will also have the option to send an email to the contact.
    • For your protection, your contacts' email addresses, accounts in Popmoney may be placed on hold or suspended for various reasons. For example, if you fail verification when attempting to send money to them, this would result in a hold. Please call 210-673-5610, ask for the Deposit Administration Department, to remove a hold or suspension.

     

    Preferences

    • Your primary email address will be used for all communications between Popmoney and you.

    • By adding multiple email addresses or mobile numbers, you can choose to receive payments made to any of them. For example, this is helpful for individuals who have separate email addresses or mobile numbers for personal friends and work colleagues.

    • Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which payments from all participating financial institutions will be automatically deposited. After selecting this option, there is nothing more for you to do. You will be notified of incoming payments by email or text message, and all payments will be sent into your selected account. You can edit automatic deposit settings in Preferences.

    • You can access Popmoney at multiple locations. If you have enabled automatic deposit for the same email address or mobile number at more than one location, then the most recent automatic deposit setting will be in effect, overriding any previous automatic deposit settings associated with that particular email address or mobile number.

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