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We will be performing Online Banking maintenance on Saturday, September 23 and Sunday, September 24. Maintenance will begin each night at 9:00 p.m. PST and end by 1:00 a.m. PST the following morning. During the maintenance windows, you may experience brief interruptions in service. 
Person to Person Payment

Person-2-Person Payment

SFPCU makes it easier for you to send a personal payment to anyone, including businesses and people who aren’t SFPCU members. With our Person-2-Person Payment system (P2P), you can pay your rent, your friends or your family members quickly using this Online Banking feature. All you need is an email address or mobile number for your recipient and you can easily send money from your SFPCU account.

How Do I Access Person-2-Person Payments?

  • In the Navigation menu, click on 'Bill Pay'
  • Click on the 'Bill Pay Options' link to the right of the search bar.
  • From the dropdown, select 'Visit Bill Pay Site'
  • The Bill Pay site will open in a new tab. From here, click on 'Add a Payee' to set up a new payee in the system and start sending them payments

Frequently Asked Questions

What happens after I click the Pay button to send a personal payment?

Once you press the Pay button, your payment will be scheduled for the date you selected. The money will be deducted from your account and an email or text message will be sent to your recipient instantly. They'll use the information from the email or text message to log on to a secure page, confirm that their email or text message is legitimate, and the transfer will be completed. Important: Remember to share the keyword you created with your payee immediately or they won't be able to claim their payment.

Is there a fee to use P2P?

SFPCU does not charge a fee to use P2P.

Is there a limit to how much I can send?

For security purposes, there are limits on the amounts you can send they are as follows:

  • Minimum Payment – $5
  • Daily Limit – $9,999
  • 30 Day Limit – $50,000

Can I set up a future P2P Payment?

Yes, you can schedule a future P2P Payment, up to 364 days prior to the delivery date.

How will my recipient be notified that I have sent them a personal payment?

The recipient will receive a notice via email or by mobile phone text message that the money has been transferred and is available.

What happens if I have the wrong email address or mobile number entered for my recipient?

It is very important that you use the correct and most updated contact information for your recipient. If you are unsure about the recipient’s information, we highly recommend contacting your recipient via email or mobile number to confirm their information is correct before a transfer is attempted.

How do I stop a P2P payment that hasn't been sent yet?

  • Login to Online Banking and select Bill Pay from the Navigation menu
  • Click on Bill Pay Options and select Visit Bill Pay site from the dropdown
  • Once you're on the Bill Pay site, you should be able to see Pending transactions in the righthand column
  • Click to edit the desired payment.
  • Check the "I want to stop this payment" box, and press Submit.
  • To verify that your payment ahs been stopped, view your payment History--the payment should be marked as Status: Stopped.

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APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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