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P2P Payments

Person-to-Person Payments are instant, secure, and free! Within Digital Banking, easily move money from your Advia Debit Card to a friend’s card or account.
Payments made instantly Send within Digital Banking Pay family and friends on the go
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Here's How It Works

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Sender: Starting the Process

Log on to Digital Banking. Once in, you will need to select "Move Money" from menu on the left. Then go down and select "Pay People (P2P)". Enter friend of family member’s information into the fields and click "Continue". On the next screen, you will need to "Confirm Terms & Conditions" by hitting the "Agree" button.

Sender: Maintaining Security

After accepting the "Terms & Conditions," you will then need to enter the PIN number associated with the Debit Card you selected to use. Upon entering your PIN, you have now successfully finished the "Sender" process of making a P2P payment transaction.

Congratulations!

Enter your PIN#

Recipient: Someone Sent You a P2P Payment

You will receive a text or email notification that someone you know has sent you a P2P Payment through Advia CU P2P. Click on the link provided in the text or email message. Enter the information requested, be sure to check the "I accept the terms of service" box at the bottom.

You will get a text message
Enter your information

Recipient: Maintaining Security

After accepting the "Terms of Service," you will then need to verify the debit card information that you provided. Enter the information required and click "Continue". Once the transaction goes through, it'll be reflected in your bank account. You have now completed the process of a P2P Payment.

Congratulations! (Note: Not all financial institutions may be compatible with debit card transfers. In these cases, the recipient needs to be prepared with their checking account and routing numbers for ACH transfers).

Verify your debit card

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Sender: Starting the Process

Log on to Digital Banking. Once in, you will need to select "Move Money" from menu on the left. Then go down and select "Pay People (P2P)". Enter friend or family member's information into the fields and click "Continue". On the next screen, you will need to "Confirm Terms & Conditions" by hitting the "Agree" button.

2

Sender: Maintaining Security

After accepting the "Terms & Conditions," you will then need to enter the PIN number associated with the Debit Card you selected to use. Upon entering your PIN, you have now successfully finished the "Sender" process of making a P2P payment transaction.

Congratulations!

3

Recipient: Someone Sent You a P2P Payment

You will receive a text or email notification that someone you know has sent you a P2P Payment through Advia CU P2P. Click on the link provided in the text or email message. Enter the information requested, be sure to check the "I accept the terms of service" box at the bottom.

4

Recipient: Maintaining Security

After accepting the "Terms of Service," you will then need to verify the debit card information that you provided. Enter the information required and click "Continue". Once the transaction goes through, it'll be reflected in your bank account. You have now completed the process of a P2P Payment.

Congratulations! (Note: Not all financial institutions may be compatible with debit card transfers. In these cases, the recipient needs to be prepared with their checking account and routing numbers for ACH transfers).

Frequently Asked Questions

Do both the sender and recipient have to be members of Advia Credit Union?

No. The sender must use an Advia Debit Card and be a member to send money. The recipient does not need to be a member. As long as the sender has the recipient's email or mobile phone number information, they should be able to send money. The receiving financial institution must accept P2P type payments in order for the recipient to receive. If they do not, the recipient will receive an error.

Are all payments instant?

No. If the recipient enters their debit card information, the transfer is instant. However, if they enter their account information and routing number, the transfer may take up to 2-3 business days. In this option, the transfer is converted to an ACH payment.

Is there a limit to how much I can transfer?

Yes. You can only submit $500 per transaction and only transfer $1,500 per day. Youth limit per day is $500.

Can P2P be used internationally?

No, international phone and routing numbers are not supported.

Can a P2P payment link be resent?

If the recipient did not receive the email or text message, or deleted it, contact Advia and we can resend the link. If the sender would like to cancel the payment within 10 days of sending it, and the recipient has not accepted the funds yet, Advia can cancel the payment and the funds will be instantly returned.