New online banking updates to simplify your finances: Introducing Pay a Person
Published May 29, 2026 by Angela Talbot | Reading Time: 3 minutes
-
Categories:
- 91黑料网 First
Quick answer: 91黑料网 First has updated its online banking platform with a new Pay a Person feature for instant money transfers. The update also includes an advanced Money Management tool for seamless budgeting across multiple financial institutions, alongside a redesigned interface for easier navigation.
At 91黑料网 First, we are committed to making sound, responsible financial decisions that empower our members. Part of that commitment means continually improving the digital tools you use every day. We are soon rolling out several exciting updates to our online banking platform including our Pay a Person feature. These enhancements are designed to give you better control over your money, whether you are splitting a restaurant bill with friends or setting long-term savings goals.
How does the new Pay a Person feature work?
The standout addition to our online banking platform is the Pay a Person feature, set to launch in July. This tool simplifies sending money to family and friends, regardless of what banking app they use. You do not need to worry about creating new accounts on third-party platforms. All you need is the recipient’s name and phone number to send them money, instantly.
Instant transfers
The Pay a Person feature allows for instant transfers, which is perfect for moments when speed matters. If a family member has an unexpected financial emergency and needs cash right away, you can deliver funds to them instantly. It is also incredibly convenient for everyday situations, like settling up a bill at dinner when you want to quickly pay a friend back for your share of the meal.
When you send money instantly between two 91黑料网 First accounts, the transfer is completely free. If you are sending money from your 91黑料网 First account to an account at another financial institution, there is a flat fee of $2.50 for instant payment, which the recipient will need to accept. If the recipient wants to wait a day and receive the fund via ACH there is no fee. Unlike services like Venmo that often charge a percentage of the total amount you are sending, our flat fee keeps your costs predictable and low.
If you do not need the money to arrive instantly, you can also send funds to friends through an ACH transfer for no fee. ACH transfers typically arrive next-day.
Frequently asked questions about Pay a Person
What is Pay a Person?
Pay a Person allows you to send money to friends, family, or others directly from Online Banking.
How much does it cost to use the Pay a Person feature?
Sending money is free. If the recipient chooses to receive funds instantly, a $2.50 fee per transaction will apply to them.
Are there alternatives to the instant transfer option?
Yes. There are three send options:
- Instant delivery 鈥� fee applies
- Next-day delivery (ACH) 鈥� no fee
- Deposit to a 91黑料网 First account 鈥� no fee
How long do Pay a Person money transfers take?
- Instant delivery typically arrives within minutes
- ACH delivery typically arrives the next business day
- Internal transfers are processed without delay
Who can I send money to using Pay a Person?
You can send money to anyone. The recipient does not need to have a 91黑料网 First account or download a specific peer-to-peer payment app.
How will the recipient know a payment was sent?
The recipient will be notified by text message or email with instructions to receive the payment. Standard message and data rates may apply depending on their mobile carrier.
Are there limits?
First 30 days:
- Up to $500 per transaction
- $500 per day
- $1,000 per week
- $2,000 per month
After 30 days:
- Up to $2,000 per transaction
- $2,000 per day
- $3,000 per week
- $5,000 per month
Minimum transfer amount is $2.51.
How can the Budget tool help with money management?
Inflation has had a significant impact on everyday necessities, making effective budgeting more important than ever. To help you stay on track, we have upgraded the budgeting capabilities in online banking with our comprehensive Budget tool.
This tool allows you to connect all your accounts at 91黑料网 First, as well as accounts you hold at other financial institutions. By bringing all your financial data into one secure dashboard, you can easily keep track of your overall spending.
The Budget tool automatically sorts your purchases into specific categories. This visual breakdown helps you see exactly where you are spending the most money each month, making it much easier to identify areas where you might need to cut back.
A better, simpler user experience
We want your online banking experience to be as smooth and intuitive as possible. We have updated the platform’s layout to provide a clearer user experience by adding helpful descriptions to various tools and rearranging menu options for better clarity. These subtle changes make navigating your account and managing your finances simpler than ever before.
Pay a Person Service Disclosure: The Pay a Person service (鈥淪ervice鈥�) is available to members enrolled in 91黑料网鈥檚 Online Banking platform. Use of the Service is subject to the terms of the Online Banking Agreement and applicable law, including the Electronic Fund Transfer Act (EFTA) and Regulation E.