Pay A Person

Send money directly to friends and family easily.

Send money to a friend fast and easy, right inside Digital Banking.

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The easy way to send money to a friend is with Pay A Person

It’s Simple

All you need to get started is their email address or mobile phone number. Simply select "Pay a Bill or Person" inside Digital Banking to get started.

It’s Fast

The money shows up in your recipient’s account within 2 business days after you make the transfer.

It’s Free!

There’s no cost for you to send a payment. And there are no fees for the recipient if they choose a bank transfer to receive the money.

How to Use Pay A Person

  • Log in to Digital Banking

    You can pay a person on a desktop or with our Mobile App.2

  • In the main navigation

    Select "Make a Transfer" on desktop, or "Transfer" on the Mobile App. Select "Pay a Person"

  • Enter recipient's information

    Simply add the name and details of who you want to pay

  • Confirm and send your payment

    You’re done! The money will reach the recipient within 2 business days

Another Great Way to Pay

You can also send and receive money using Zelle®!

Frequently asked questions about our Pay A Person.

A recipient will receive their funds within two business days of claiming the funds. The money will be removed from your account after 5:00 pm (Eastern Time) on the day the recipient claims the funds. Recipients have seven days from the 'Send On' date to claim the funds. If funds are not claimed within seven business days, the link to claim them will expire, and the money will stay in your account.
Yes. A new member (less than 90 days) has these limits to pay a person:
  • minimum Person to Person amount of $5
  • maximum amount to any one payee of $5,000
  • maximum daily amount of $5,000
  • maximum weekly amount of $20,000
  • maximum monthly amount of $20,000
An established member has these limits to pay a person:
  • minimum Person to Person amount of $5
  • maximum amount to any one payee of $10,000
  • maximum daily amount of $10,000
  • maximum weekly amount of $40,000
  • maximum monthly amount of $40,000
Yes, as long as the recipient has not completed the verification process and claimed the funds, you can still cancel the payment.

In your online banking, select 'Pay a Bill or Person,' select 'View Activity.' Select the down arrow on the appropriate person. Select 'Delete Payment,' select 'Yes,' Delete Payment to confirm.

In the app, select 'Bill Pay,' select 'Payments.' Select the pencil on the appropriate person. Select 'Delete Payment,' select 'Yes,' Delete Payment to confirm.
Pay a Person is a free service for Coastal Members. While we do not charge any fees, please note that the recipient's bank may impose its own fees for receiving the funds via bank transfer
Yes, end-to-end encryption is utilized. When using Pay a Person, you will set up a security question and answer for your recipient to answer the first time you do a transaction together. The security question is designed to be a question only the recipient of the funds would know the answer to. This is to ensure the payment is being sent to the correct person at the indicated mobile phone number or email. There are a limited number of attempts a recipient can make to answer the security question correctly before the transaction is canceled automatically.
You can send money to anyone with a United States based bank account and United States based mobile phone number.