Popmoney™ (Pay Other People)

Pay other people with a text or email right from your account.

Popmoney (Pay Other People) is a feature of Online and Mobile Banking that allows you to send a payment to anyone in the U.S. using just an email address or SMS text message. It's very simple to set up and to use.

How Popmoney works Ways to use Popmoney

Money you send and receive using Popmoney ultimately transfers from bank account to bank account.

  • Now you only need to know someone’s email address or mobile phone number to send money.
  • The recipient will be notified via the method you choose, and can decide where they want the money deposited.
  • You can direct money straight into a recipients bank account (if you have the recipients account number).

Popmoney offers a great alternative to cash and checks, and can be managed within Online Banking. Use Popmoney to make personal payments easier, such as:

  • Paying rent & other household expenses
  • Sending money as a gift
  • Making charitable donations
  • Sending money to students
  • Contributing money to a group gift or dinner

To try Popmoney in Online Banking: To try Popmoney in Mobile Banking:

First time users, please call 800.358.8228 to set up your profile.

  1. Sign up for Online Banking or log in at the top right of this page
  2. Click the "Transfers" tab at the top of your screen
  3. Click the "Popmoney (Pay Other People)" link from the Transfers submenu
  4. From this page, click on the "Send money with Popmoney" link. A new Popmoney window or tab will open up with an introduction to the service and easy-to-follow instructions on how to sign up and get started

First time users, please call 800.358.8228 to set up your profile.

  1. Log in to Mobile Banking with your smartphone: mobile.patelco.org or use our iPhone App
  2. click the "Transfers" tab
  3. click the "Pay Other People (Popmoney)" link
Learn more about Online Banking Learn more about Mobile Banking

Frequently asked questions about Popmoney (Pay other People)

What is Popmoney?

Popmoney is a person-to-person payments service offered by Patelco allowing you to send secure electronic payment to anyone no matter where your recipient banks. You can access Popmoney directly from our secure Online Banking. Send money directly from any of your Patelco accounts to anyone using his or her email address, mobile phone number or bank account information. Similarly, you can receive money from others to your Patelco accounts.

How does Popmoney work?

Popmoney works in 4 easy steps:

  1. Log In: to your Patelco Online or Mobile Banking. Then select “Transfers” tab and select “Popmoney (Pay other People)” as your transfer option.
  2. Send Money: provide the email address, mobile phone number or bank account information of the recipient. Then, just tell us from which of your Patelco accounts to withdraw the funds, how much to send, and when to send the payment.
  3. Notify Recipient: if you sent the money using an email address or mobile phone number, we will notify the recipient via email or text message with instructions on how to deposit the payment. If you sent the payment to a recipient bank account, the money will be directly deposited into the recipient's account.
  4. Deposit Payment: There are two ways to deposit a payment. If the recipient’s bank offers Popmoney, the recipient can deposit the payment directly through their online bank service. If the recipient's bank does not offer Popmoney, the recipient can deposit the payment directly into his/her bank account by following the simple steps at www.Popmoney.com.

Will my bank account information be shared?

No. Your bank account information, and the bank account information of your recipient, will always remain confidential. Your recipient will see your first name, last name, the message you wrote for the payment, and your email address or mobile phone number, depending on how you sent the payment.

Why am I asked to verify my email address?

Popmoney enables anyone to send you money using your email address. To ensure you receive these payments, we need you to register and verify your email address. In addition, we'll inform you when your payment is processed, when your recipient has deposited the payment, and if any changes are made to your Popmoney profile. We will also inform you in the unlikely event that your payment fails.

Why am I asked to provide my mobile number and verify it?

Popmoney enables anyone to send you money using your mobile phone number. To ensure you receive these payments, we need you to register and verify your mobile phone number. In addition, for your protection we may send you a text message with a verification code to your mobile phone when you send money.

What are the different ways I can send money to someone?

  1. Email address: your contact will receive an email message with instructions on how to deposit the payment directly into their bank account.
  2. Mobile phone number: your contact will receive a text message with instructions on how to deposit the payment directly into their bank account. You may want to consider a different option of payment if the recipient cannot receive or pays extra to receive text messages.
  3. Bank account information (routing and account number): the payment will be directly deposited into the contact bank account.

What are the advantages of the different methods to send money?

All methods offer their advantages:

  1. The advantage of sending money to an email address or mobile phone is that there isn't a need for the recipient to provide their bank account information to you. Additionally, the recipient may be able to enroll in automatic deposit, which means payments made to the recipient email address or mobile phone number will be directly deposited into their account.
  2. The advantage of sending money to a bank account is that the funds will be directly deposited into the recipient's bank account; the recipient does not have to take any action to complete the payment. However, the recipient is required to share his/her bank account information with you.

Should I contact the recipient to inform a payment is coming?

It is not necessary, but is probably a good idea for the first payment to alert your recipient they will be receiving a payment from you through the Popmoney service offered by Patelco.

Why can't I send money during the weekend or on a holiday?

Popmoney payments are sent through the Automated Clearing House (“ACH”) network. ACH transactions are not processed on weekends or federal holidays. Please click the calendar icon within the Popmoney service to view available send dates.

What is the cut-off time to submit a transaction?

The cut-off time for submitting a Standard 3-Business day transaction is 10:00 p.m. PT each Business Day. Standard 3 Business day transactions submitted after 10:00 p.m. PT or on weekends or holidays will be processed on our next Business Day. A Business Day is every calendar day except for Saturdays, Sundays, and bank holidays. The cut-off time for submitting a Next Day transaction is 5:00 p.m. PT each Business Day. Next Day transactions submitted after 5:00 p.m. PT or on weekends or holidays will be processed on our next Business Day. A Business Day is every calendar day except for Saturdays, Sundays, and bank holidays.

What is the cut-off time to change or delete upcoming transactions?

The cut-off time to change or delete an upcoming Standard 3-Business Day transaction is 10:00 p.m. Pacific Time the previous Business Day prior to the send date.

The cut-off time to change or delete an upcoming Next Day transaction is 5:00 p.m. Pacific Time the Business Day prior to the send date.

Can I cancel my payment?

Yes, you may cancel a payment anytime before or on the send date. We will notify your contact if you cancel the payment on the send date.

What if I have another question?

If you have other questions not answered here, you can contact us at 800.358.8228.