Pay a Person FAQs
Quickly and easily send money to anyone.
Learn about this free service through Philadelphia Federal Credit Union.
Pay a Person is a free service that allows you to pay anyone in the United States with a bank account. All you need is their email address or mobile phone number to get started.
Log in to Online Banking, hover over “Move Money,” select “Pay a Person,” or log in to the mobile app, tap “More” and then select “Pay a Person” from the “eServices” menu and follow the prompts.
No, they just need to have a U.S. bank account and an email address or mobile phone number.
No, there are no fees associated with Pay a Person.
Existing Members
| Minimum | $1 |
| Maximum | $2,000 |
| Daily limit | $2,000 |
| Weekly limit | $4,000 |
| Monthly limit | $5,000 |
New Members (within first six months)
| Minimum | $1 |
| Maximum | $1,000 |
| Daily limit | $1,000 |
| Weekly limit | $2,000 |
| Monthly limit | $2,500 |
When using Pay a Person, you will set up a security question and answer for your recipient to answer the first time you perform a transaction together. The answer to the security question is space sensitive. For example, if you write "NewYork" without spaces and the recipient writes "New York" with spaces, the security question would be invalid. A limited number of attempts are available before the transaction is cancelled automatically, so be sure to communicate directly with your intended recipient.
Payments scheduled in PFCU's Pay a Person will be shown as a deposit or withdrawal from your account via ACH. ACH Withdrawals will show an ID number with the description of "PERSON/PAY."
Yes, you can set up a one-time or recurring transfer.
The recipient can choose to have the funds delivered in two ways:
- Via bank account and routing number
- In real-time using a debit card.
Once your payment has been sent, the recipient will receive either an email or text message with instructions on how to accept the money. If recipients choose to enter their bank account and routing numbers to receive the payment, they will be paid within two business days. If recipients choose a real-time payment, they will enter their debit card information.
When you send a payment to someone for the first time, the recipient will choose whether they want to receive their payment via Debit Card or Bank Account. This will become the default for future payments. The next time you send this recipient a payment, an option will appear that says “Change Delivery Method,” when they click the link to receive their funds. At that point, they can select either “Debit Card” or “Bank Account” and change their delivery method for future payments.