Person-to-Person (P2P) Payments 

P2P, also known as person-to-person or peer-to-peer payments, is a Digital Banking tool that allows you to transfer funds from your account to another individual’s account via a mobile or internet-connected device.

You can send anyone a payment via check, text message, email or direct deposit. When the payee is initiated, the other person receives notifications to input their personal information where the funds shall be sent, and accept payment.

You can send a payment to anyone in the U.S. – even if they're not a UnitedOne member. Business account holders can also use P2P.

You must have a checking account, Digital Banking and Bill Payer to access P2P. You can access it using the browser or mobile app version of Digital Banking.

After signing into Digital Banking, click on Bill Bay in the left menu. Click the “Payee” tab towards the top if you are using a web browser or select the “+Payee” button if you are using the mobile app.

If you are paying a business, try typing in the search bar the business’ name and see if it populates or scroll to the bottom and select “Pay a company (e.g. Credit card, utilities, or cable)” and click on “Entering information on my billing statement.” You’ll be prompted to type in the payee’s name, the account number you have with the payee and the payee’s zip code.

 If you are adding a person to pay, scroll down to the bottom and select “Pay a person (e.g. Friend or relative).” You’ll be prompted with three options to send the money: 1) Email or text message (Electronic); 2) Direct Deposit (Electronic); 3) Check. For the “Email or text message” option, you enter the person’s email or mobile phone number that you want to pay. They then receive an email or text message and our prompted to enter their account information. For the “Direct deposit (Electronic) option, you must having the person’s routing number and account number to enter yourself. For the Check option, you need to enter the person’s name and address.

After signing into Digital Banking, click on Bill Bay in the left menu. Scroll down and find the payee you would like to pay from your list of existing payees. Enter an amount and click “Pay.”

The standard daily limit is $2,500 for P2P. When using the "Pay a Person" function through Digital Banking, the limit is $1,500 per transaction and $2,000 per day to pay an individual.

iPay will only allow payments within the U.S. and its territories, to include military addresses (APO/AE).

New – Allows you to pay an existing payee.

History – Shows history for past 18 months of processed, pending and canceled payments.

Payee – Listing of current payees. Payees will show multiple times if you have different methods of payments set up for one person (text, email). It is recommended when setting up a payee to put the method payment for future reference (Example: Susie Smith-Email or Susie Smith-Text).

Via check – Payee’s name, address and phone number.

Via text message – Payee's name, mobile phone number and create a keyword. You will need to share the keyword with the payee immediately so they can access the secure payment information.

Via email – Payee's name, email and create a keyword. You will need to share the keyword with the payee immediately so they can access the secure payment information. After three failed login attempts, the payee will be locked.

Via direct deposit –You will need to have the payee's name, mobile phone number, account number and type (checking/savings), and routing number. A nickname is optional.

Only pending payments can be cancelled. You will need to click on the "History" tab and select the transaction. This will open a second screen that gives transaction details. You can cancel the pending payment by clicking on the "Cancel Payment" section located at the bottom of the screen. This will open a second screen where you will need to confirm they want to cancel the payment.

The payee will need to know the keyword that you created and sent to them when you setup the payment. After three failed login attempts, the payee will be locked. After 24 hours, the system will automatically unlock the recipient, and they may re-enter their keyword.

With email, text message or direct deposit the payee will receive payment within 1-2 business days. If paid via check, it is mailed and paid within 5-7 business days.

You receive a 60-day trial period for no charge. If, after the 60 days P2P or Bill Payer aren’t used once a month, a fee of $6 is assessed. After three consecutive months of inactivity, your Bill Pay service may be cancelled.

You can call UnitedOne at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan. You can also call iPay at 1-866-248-0355.