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1. Funds Transfer

An Introduction to the Funds Transfer Service
Account Eligibility
Security and Privacy
Creating Your Funds Transfer Portfolio and Adding Accounts
Executing Funds Transfers
Checking the Status of Your Funds Transfer Requests
Keeping Account Information Up to Date

2. Pay People [Sender]

About Pay People: The Basics
Making Payments with Pay People

3. Pay People [Receiver]

1. Funds Transfer

An Introduction to the Funds Transfer service

Understanding Funds Transfers

· How do funds get transferred?

· How long does it take to complete a transfer?

How do funds get transferred?

We process Electronic Funds Transfers (EFT) via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions. We submit a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use to create direct deposit of payroll and that financial institutions use to carry out automated payments for loans or mortgages.

How long does it take to complete a transfer?

Your funds transfer may take up to four business days to process. Please note that the completion of a transfer, including the availability of funds in the destination account and access to the transaction details, will depend in part upon how quickly your institution updates your account after receiving the transfer. Full details regarding your funds transfer requests are viewable on your Transfer Status screen.

Funds will be posted to your destination account once the funds have been successfully drawn from your source account. Your transaction remains “In Process” for four business days from the day you send your request. After that, the status gets updated to “Complete,” indicating a successful transaction, provided no problems have occurred with the transfer.

Basics of the Funds Transfer Service

· How much will the Funds Transfer Service cost?

· What time will my transfer be initiated?

· How will I know when a transfer is complete?

· Are there any limits to how much I can transfer?

· Can I transfer funds into someone else's account?

· What about joint accounts?

· Can I set up a transfer now to be executed at a future date?

· Can I set up regularly recurring funds transfers?

· Can I use the Funds Transfer service to transfer money between accounts at the same financial institution?

· What should I do if I wish to cancel a funds transfer request?

How much will the Funds Transfer Service cost?

It’s just $1.75 per transaction.

What time will my transfer be initiated?

We will enter your transfer into the ACH system on the business day following receipt of your request, provided you've requested your transfer by 4:00 p.m. Pacific Time (7:00 p.m. Eastern Time).

If you initiate a transfer after 4:00 p.m. Pacific Time (PT), the transfer will be posted two business days following the request date. Please note that all transfers requested during the weekend (after 4:00 p.m. PT on Friday) will be posted on Tuesday.

Depending upon the destination account’s financial institution, it may take an additional business day for the transaction to be reflected in the account balance of the destination account.

How will I know when a transfer is complete?

Your “Overview” screen displays the status of recent transactions. For additional transaction history, go to our “History” screen.

Are there any limits to how much I can transfer?

Once your accounts have been verified, you will be able to transfer

· Up to $2000.00 per transaction

· Up to $2000.00 in total transactions per day

· Up to $2000.00 in total outstanding transactions (transfers that you've initiated but which haven't been finalized)

· Up to $5000.00 in total transactions per calendar month

Can I transfer funds into someone else's account?

Yes. Using the Pay People service you can send money to someone else.

What about joint accounts?

Both owners of a jointly held account can transfer funds into and out of the account. The account holders must have separate Funds Transfer Portfolios. The joint account can then easily be added to both portfolios, using the standard "Add Account" and account verification procedures. (Please see the joint accounts section in Account Eligibility and Conditions for more details.)

Can I set up a transfer now to be executed at a future date?

For the present, we're unable to accept pre-dated transfers. However, we'll be offering this capability in the near future.

Can I set up regularly recurring funds transfers?

Not at this time. This is a service enhancement that's scheduled for the near future.

Can I use the Funds Transfer service to transfer money between accounts at the same financial institution?

These types of transfers take place at your financial institution’s online banking site.

What should I do if I wish to cancel a funds transfer request?

Once you have requested a transfer, we cannot recall the request. You have the option to request a second transfer between the same two accounts sending the funds back their point of origin (in effect reversing your first transfer).

Account Eligibility

Bank and Investment Accounts to Use with the Funds Transfer Service

· Which accounts are eligible for the Funds Transfer service?

· Which accounts are not eligible for the Funds Transfer service?

Which accounts are eligible for the Funds Transfer service?

· Checking and savings accounts held at any bank or credit union nationwide that is able to accept ACH transfers.

· Investment accounts held at any affiliated online brokerage firms. We currently have accessibility to ten of the nation's largest brokerage companies, and we will be adding several major brokerages in the near future. We'll keep working to expand this roster steadily in the months ahead.

Which accounts are not eligible for the Funds Transfer service?

· Money Market Accounts

· Individual Retirement Accounts (IRAs)

· Custodial and/or Trust Accounts

· Business Accounts for which more than one person has check-writing privileges

· Certificate of Deposits (CDs) or other time-based accounts

· Loan Accounts (including credit card and equity accounts)

You may have other accounts that are ineligible for funds transfers due to restrictions specific to your financial institution(s). If in doubt, please contact your institutions to ensure that your accounts are eligible for funds transfers.

Security and Privacy

Keeping You Safe and Secure

· How is my privacy protected?

· Is my information ever shared with third parties?

How is my privacy protected?

There are multiple levels of security to ensure the protection of your information from loss, theft, and unauthorized access, modification or disclosure. We make sure that our security measures conform to all applicable federal, state and local laws.

Sensitive information, including account numbers and account verification date, is encrypted with state-of-the-art encryption software. For example, we use 128-bit SSL encryption when communicating data over the ACH network. For a full description of the care we take in this area, please see our full-length Security Policy.

Your login name and password, and all verification information pertaining to your individual accounts, remains encrypted. Please see the full-length Privacy Policy for more details.

Is my information ever shared with third parties?

Your information is never shared with a third party.

Creating Your Funds Transfer Portfolio and Adding Accounts

The Background --What You'll Want to Know

· How long does the sign-up process take?

· Why do I have to verify my identity and accounts?

· Can I make changes to my portfolio after the initial set-up?

· How often will I have to go through the verification process?

· Do transaction limits, fees, and special conditions from my financial institution apply to the Funds Transfer service?

How long does the sign-up process take?

Initial registration and identity verification: It takes approximately five minutes to complete.

Individual account verification: In many cases, we can complete online confirmation of individual accounts for which you have Internet access within minutes. For other accounts, we will ask you to complete an offline verification procedure that generally takes 2-4 business days. See below for a detailed description of the account verification procedure.

Why do I have to verify my identity and accounts?

The ID verification and account verification are double-check safeguards that help us make sure nobody gets access to your accounts but you.

Can I make changes to my portfolio after the initial set-up?

Yes. You can easily add or delete accounts at any time.

How often will I have to go through the verification process?

For your protection, we'll ask you to a complete the individual account verification process for each account included in your initial set-up and for any accounts you add thereafter. This is applicable only to your non-host accounts, your host accounts will be always auto enabled and you do not have to go through any process for approving those for the service.

Do transaction limits, fees, and conditions attached to an account by my financial institution apply to the Funds Transfer service?

Yes. In all cases, transaction limits, fees, and conditions placed on account transactions by individual institutions apply to the Funds Transfer service. Note that any and all fees resulting from such conditions will be charged to you by your financial institution. If you have any questions, contact your financial institution

THE PROCESS: CREATING YOUR PORTFOLIO STEP-BY-STEP

. How to begin

· Adding accounts to your Funds Transfer Portfolio

· Verifying accounts with your financial institutions

1. How do I sign up for the Funds Transfer Service?

· Login to your online banking account at your financial institution’s website.

· Click the “Payment Manager” button located at the top of the screen.

· Click on either the “Funds Transfer” or “Pay People” links on the page. You will be taken to the “Overview” page.

· Click on the link located under the “Overview” tab. This link will take you to a page that will display your e-mail address and ask for a 20-digit validation code. You will find that code in the introductory e-mail you received from us.

· Cut and paste this validation code into the appropriate field and click “Submit”.

You will then be taken to the “Overview” page. Here you will find that all of your host checking accounts are already enabled.

2. Adding Bank Accounts and Investment Accounts to your Funds Transfer Portfolio

· Adding Bank Accounts

· Adding Investment Accounts

· Adding Joint Accounts

ADDING BANK ACCOUNTS

·         How do I add accounts? (a step-by-step description)
                Entering your institution name
                Providing account information (and online account verification)
                Adding additional bank accounts
                Verify all accounts

Why can’t I find my financial institution’s name?

· What is an ABA routing number?

· How do I identify the ABA routing number for my account?

· How do I find my account number?

How do I add accounts to my Funds Transfer Portfolio?

Click “Add Accounts” at the top of your “Overview” page. This will bring you directly to the “Add Bank Accounts” page, where you'll enter each account you would like to make eligible for the Funds Transfer service.

Step 1--Enter your financial institution’s name

Enter the complete name of your financial institution in the data entry field. Do not use abbreviations.

Once you perform the search, you'll see hyperlinks for one or more institutions matching your search data. Click on the link for your institution.

Step 2--Provide account information

You'll be brought to a screen asking for the account number and ABA routing number of your account. Enter the account number in the data field and select the proper ABA routing number from the drop-down list (See below for information about ABA numbers, including what they are and how to find yours).

· Online account verification: We can often verify the account with your institution immediately via the Internet. If this is the case, you'll be asked to supply the password and pin number you use to gain access to your online account with the institution.

· If online account verification is not possible, you'll be asked to complete our offline account verification process. See below for details regarding online and offline account verification.

When you have supplied all requested information, click “Continue”. You will be brought to your “Overview” page.

· If you have completed a successful online verification, the account will be listed under the “Enabled Accounts” section of the “Overview” page with "Approved" appearing in the Status column.

· If offline verification is necessary, the account will appear under the “Accounts Requiring Verification” section of the “Overview” page. We recommend that you wait until you have submitted all investment and bank accounts you wish to add to the Funds Transfer Service and then click “Verify All”.

Step 3--Verify all accounts

Each account you add needs to be verified before it can be used for the Funds Transfer service.

The accounts that you have submitted for the Funds Transfer Service and that could not be verified online appear on your “Overview” page under the “Accounts Requiring Verification” section.

· When you've all the accounts that you wish, click “Verify All” to initiate the verification process for all accounts appearing in the Accounts Requiring Verification box. (See below for details regarding account verification.)

Why can’t I find my financial institution’s name?

1) Your search may not be successful if you've abbreviated or misspelled your financial institution’s name. Try entering the name again. Check for spelling errors and other typos.

2) Your financial institution may not be in our database yet. While our listings include a vast majority of banks in the U.S., there are still a few, especially smaller institutions that are not yet included.

3) Your account type may not be supported for the Funds Transfer service. We only support the following account types:

Checking accounts
Savings accounts
Investment accounts held at one of our affiliated brokerages.

What is an ABA routing number?

The ABA routing number is an identification number assigned to each financial institution and each branch office. That's why the larger your institution, the more ABA numbers appear in the drop-down list on the data entry screen.

How do I identify the ABA routing number for my account?

You can find your account number on your account statement, and it's also printed on your check, in that same row of numbers where you found your ABA number. Your account number appears on your check between the "II^v" symbols.

ADDING INVESTMENT ACCOUNTS

· Which brokerages are supported for the Funds Transfer service?

·         How do I add investment accounts? (a step-by-step description)
                Selecting a brokerage
                Providing account information (and online account verification)
                Adding additional investment accounts
                Verifying all accounts

· What is an ABA routing number?

· How do I identify the ABA routing number for my account?

· What if my brokerage doesn't appear on the "Available Brokerages" list?

Which brokerages are supported for the Funds Transfer service?

· American Express Brokerage

· CSFBdirect (formerly DLJdirect)

· Charles Schwab

· Datek Online

· E*TRADE

· Fidelity

· Morgan Stanley Dean Witter

· Saloman Smith Barney Brokerage

TD Waterhouse webBroker

How do I add investment accounts to my Funds Transfer Portfolio?

Click “Add Accounts” at the top of the “Overview” page. You'll be brought to the “Add Bank Accounts” screen. Click “Add Investment Accounts”. You'll be brought to the “Add Investment Accounts” screen.

Step 1--Select a brokerage

Click on the name of your brokerage if it appears on the screen.

Step 2--Enter account information

You'll be brought to a screen asking for the information we need to add your brokerage account. If your account includes check-writing privileges, you'll be asked for the ABA routing number that appears on your check.

Online account verification: You will be asked to supply the password and pin number you use to gain access to your online account with the institution.

If online account verification is not possible, you'll be asked to complete our convenient offline account verification process. See below for details regarding online and offline account verification.

When you have supplied all requested information, click “Continue”. You will be brought to your “Overview” page.

· If offline verification is necessary, the account will appear under the “Accounts Requiring Verification” section of the “Overview” page.

Step 3--Verifying your accounts offline

Each account you add needs to be verified before it can be used for the Funds Transfer service.

The accounts that you have submitted for the Funds Transfer Service and that could not be verified online appear on your “Overview” page under the “Accounts Requiring Verification” section.

What is an ABA routing number?

The ABA routing number is an identification number assigned to each financial institution and each branch office.

How do I identify the ABA routing number for my account?

Take a look at your check. You'll see a printed row of numbers, usually at the bottom of the check. The ABA routing number is the nine-digit sequence that appears between the "I:" symbols.

What if my brokerage doesn't appear on the "Available Brokerages" list?
Unfortunately, if you don't see your brokerage in this list, you won't be able to add accounts held at that institution to your Funds Transfer Portfolio. Check the "Coming Soon" list to see if your brokerage is scheduled to be added in the near future. We're working hard to expand our roster of affiliated brokerages as quickly as we can.

ADDING JOINT ACCOUNTS

· How do we set up a joint account so that both owners can use the account in Funds Transfer services?

How do we set up a joint account so that both owners can use the account in Funds Transfer services?

Both owners of a jointly held account can transfer funds into and out of the account. The account holders must each have a separately established Funds Transfer Portfolio. For each account owner to use the account for the Funds Transfer service, they must follow this procedure:

· The first owner, Owner #1, opens a Funds Transfer Portfolio and submits the joint account along with all the other bank and investment accounts Owner #1 wishes to enable for funds transfers (see Creating a Funds Transfer Portfolio, above).

· When Owner #1’s Portfolio is up and running and the joint account has been verified, Owner #1 will be able to use the joint account for Funds Transfer services.

· The second owner, Owner #2, follows the same procedure to open a Funds Transfer Portfolio. When Owner #2 submits the financial institution and account number of the joint account, Owner #2 will see the following message:

“This account is registered to another customer. If this is a joint account, please enter the social security number of the co-owner of the account.”

· Owner #2 supplies Owner #1’s social security number and completes the rest of the account verification process.

Once Owner #2’s co-ownership of the account is verified with their financial institution, the account will become active in Owner #1’s Portfolio. At that point, both owners will be able to use the account for Funds Transfer services.

4. Verifying Accounts with Your Financial Institutions

· Online Account Verification

When is online account verification possible?

What's the process for online account verification? (a step-by-step description)

What if I don't have online access to the account?

· Offline Account Verification

How can I tell which accounts still have to be verified?

What's the process for offline account verification?

Before activating your accounts to send and receive funds transfers, we'll verify each one with the appropriate financial institution, in keeping with our commitment to protect the security of your accounts and the payment system as a whole.

ONLINE ACCOUNT VERIFICATION

When is online account verification possible?

Online verification is possible when

· You have online access to an account.

· The account is at an institution with which we have an online verification arrangement.

What's the process for online account verification?

When you enter the name of your financial institution on the “Add Bank Accounts” screen, you'll be asked to provide the bank's ABA/routing number and your account number.

If online verification with the institution is possible, you'll also be asked for the password, pin number, and user name you use to gain access to your accounts. Click “Continue” and you will be brought to the “Overview” page.

If online verification is successful, the account will appear under the “Enabled Accounts” section of the “Overview” page with the status listed as “Approved”.

If online verification is unsuccessful, the account will appear under the “Accounts Requiring Verification” section of the “Overview” page.

What if I don't have online access to the account?

Just provide your account number and ABA number, leave all other information fields blank, and click “Continue”. You'll be brought to the Funds Transfer “Overview” page, and the account will appear under the “Accounts Requiring Verification” section.

OFFLINE ACCOUNT VERIFICATION

How can I tell which accounts still have to be verified?

The accounts that you have submitted for verification and have not been verified appear on your “Overview” page under the “Accounts Requiring Verification” section

What's the process for offline account verification?

Click the “Verify All” link on your Funds Transfer “Overview” screen. You'll be brought to a screen displaying your name, customer ID, and all accounts in need of account verification.

Print this screen, and fax the printout to (408) 434-6913, along with:

A photocopied voided check (for each bank account to be verified)
An account statement (for each investment account to be verified)

Within two business days of receipt of your fax, we'll send you an e-mail confirming the verification of your accounts. Go to your Funds Transfer “Overview“ screen--the accounts will now be located in the “Enabled Accounts” section of your “Overview” screen.

Executing Funds Transfers

· How do I initiate a Funds Transfer?

· The Background : what you need to know about executing funds transfers

How do I initiate a Funds Transfer?

Click the “Funds Transfer” tab located at the top of your screen.
Select the accounts you want in the “Transfer From” and “Transfer To” sections of the page.
Enter a transfer amount in the data field, and click “Confirm”. You'll be brought to a Confirmation screen where you'll see the details of your funds transfer request.

If everything is correct, click “Confirm”.
Otherwise, click “Edit”. You'll be returned to the “Funds Transfer” screen, where you can make any necessary changes. Once you’ve made your changes, click “Confirm”.

Once you click “Confirm”, you will be returned to your Funds Transfer “Overview” screen. The details of the transfer will appear in the “Recent Transfers” section located near the top of the screen

THE BACKGROUND: What you need to know about executing funds transfers

· Are there any limits to how much I can transfer?

· How long does it take to complete a funds transfer?

· Under what circumstances will a transfer be unsuccessful?

· What time will my transfer be initiated?

· How will I know when a transfer is complete?

· Why don't all of the accounts I've submitted appear on my Funds Transfers pages?

Are there any limits to how much I can transfer?

Once your accounts have been verified, you will be able to transfer

· Up to $2000.00 per transaction

· Up to $2000.00 in total transactions per day

· Up to $2000.00 in total outstanding transactions (transfers that you've initiated but which haven't been finalized)

· Up to $5000.00 in total transactions per calendar month

How long does it take to complete a funds transfer?

Your transfer may take up to four business days to finalize. Please note that the completion of a transfer, including the availability of funds in the destination account and access to the transaction details, will depend in part upon how quickly your institution updates your account after receiving the funds transfer. Full details regarding your funds transfer requests are viewable on your “Overview” page.

The funds will be posted to your destination account once the funds have been successfully drawn from your source account. Your transaction remains “In Process” for four business days from the day you send your request. After that, the status gets updated to “Complete,” indicating a successful transaction.

Under what circumstances will a transfer be unsuccessful?

A transfer will be returned if it cannot successfully be posted to your account. The most common reasons for failed or returned funds transfers are:

· An incorrect account number or bank ABA routing number

· Lack of sufficient funds in the source account

· Exceeding the dollar limit for an individual transaction, total transactions per calendar month, or outstanding transfers (transfers that you've initiated but which haven't been finalized)

You will be notified by e-mail if your transaction is unsuccessful. Full details will be available on your “Overview” page.

What time will my transfer be initiated?

We will enter your transfer into the ACH system on the business day following receipt of your request, provided you've requested your transfer by 4:00 p.m. Pacific Time (7:00 p.m. Eastern Time).

Depending upon the destination account’s financial institution, it may take an additional business day for the transaction to be reflected in the account balance of the destination account.

How will I know when a transfer is complete?

You can go to your “Overview” page for an up-to-date status report on your funds transfer request. Four business days after your request date, you should also be able to confirm the completion of the transaction with your financial institution.

Why don’t all of the accounts I've submitted on my Funds Transfers pages?

Only accounts that have been verified appear on the “Transfer Funds” page. If verification of the account is still pending, or if you haven't begun the offline verification process, you'll see the account listed under the “Accounts Requiring Verification” section of the “Overview” page.

When the verification process has been completed, the account will automatically be listed under the “Enabled Accounts” section of the “Overview” page and appear on your “Transfer Funds” page.

Checking the Status of Your Funds Transfer Requests

· How can I check on the status of my recently initiated transfers?

· What does it mean when my transfer is “In Progress”, “Complete”, “Complete (returned)”, or “Unsuccessful”?

· How can I get more details on why my transactions failed?

How can I check on the status of my recently initiated transfers?

Click “Overview” tab near the top of the screen. The “Recent Transactions” section on the page contains the following information on your most recent transactions:

The reference number of each transaction
The date you requested each transfer
The origin account (funds transferred from) and destination account (funds transferred to) of each transfer
The dollar amount of each transfer

· The current status of each transfer

What does it mean when my transfer is “In Progress”, “Complete”, “Complete (returned)”, or “Unsuccessful?

· In Progress: We have not yet received confirmation of a successful transaction. However, you may see an indication of the transaction in the account balance of the source account but not the destination account of your funds transfer.

· Complete: The transfer is confirmed. The transaction will be reflected in your account balances with your institutions as a withdrawal from your source account and a deposit in your destination account.

· Complete (returned): Occurs when a return is received from the ACH system indicating a problem with the transaction. If money was debited from the source account, it will be returned.

· Unsuccessful: We were unable to remove the funds from the source account or place the funds in your destination account. Typical causes of failed or returned funds transfers are

Incorrect account number or bank ABA routing number provided during the account setup.
Lack of sufficient funds in the source account. If we receive return due to non-sufficient funds (NSF) in the source account, we'll automatically try the transaction a second time. A funds transfer will be designated unsuccessful only after a second NSF return.

You will be notified by e-mail if your transaction could not be completed.

How can I get more details on why my transactions failed?

If a transaction is unsuccessful, “Unsuccessful” or “Returned” will appear in the “Status” column of the “Overview” screen. Click on this link to receive full details about the reason why the transaction was unsuccessful.

Keeping Account Information Up to Date

How do I change my contact information?

Click the “Edit Profile” link found at the bottom of every Funds Transfer screen. Edit the data entry fields as necessary, and click “Update”.

How do I change my Funds Transfer password?

To change your password:

Click the “Edit Profile” link located at the bottom of every Funds Transfer page.
Click the “Edit Security PIN” button located located on the page.
Enter in your existing PIN, and enter your new PIN in twice. Click “Submit”.

2. Pay People [Sender]

About Pay People: The Basics

What is Pay People?

Pay People is a convenient service that allows you to send and receive personal payments of up to $250 per payment. For example, you can send money to your kids who are away at college.

How is Pay People different from the Funds Transfer service?

The Transfer Funds service is used to move funds between your own financial accounts. The Pay People service is used to make and receive payments to businesses and individuals.

Are there any limits to the amount of money I can send via my Pay People service?

For security reasons, your financial institution places the following limits on Pay People transactions:

· Up to $250.00 per payment

· Up to $250.00 in total payments per day

Up to $250.00 in total outstanding payments (payments that you've initiated but which haven't been finalized)

Up to $500.00 in total payments per calendar month.

To whom can I send payments?

You can send payments to anyone who has an e-mail address and a checking or savings account.

From whom can I receive payments?

You can receive payments from anyone who has an e-mail address and a checking or savings account.

Which of my accounts can I use to send or receive payments?

You can send payments from, and receive payments into, any of your host financial institution checking and savings accounts.

Will I be charged for Pay People online payment transactions?

A nominal fee of $1.75 per Pay People payment. This amount will be deducted from the account you use for your payment.

Getting started--Setting up the Pay People service for sending payments

Do I have to enable each of my host accounts individually for use with my Pay People service?

No. When you activate your Pay People service, you'll find that all of your checking and savings accounts are already enabled for sending and receiving payments via the Pay People service.

What is the Security PIN?

This is an added layer of protection for this service. When you first try to initiate a payment or transfer, you will be asked to designate a four-character Security PIN. This code must be 4-digits long and can consist of numbers and/or letters and is case sensitive. Enter the code you've selected twice. (Thereafter, you'll only have to enter the code once.) Please keep this Security PIN in a secure place. You will need it every time you want to execute a payment or transfer.

Is my transfer security PIN the same as my payment security PIN?

Yes. The same PIN is used for both payments and transfers.

Can I remove accounts from this service?

You can remove any account that is held at an institution other than the institution providing you this service. Go to your “Overview” page and click "Remove." You'll be asked to confirm that you want to remove the account.

Does the person I’m sending money to have to be registered for this service?

No. You can send money to anyone with an e-mail address and savings or checking account. They will receive an e-mail directing them to a web page where they can register to receive payments.

Can I add additional email addresses for use with the Pay People service?

Yes. To add one or more new e-mail addresses:

Click the “Edit Profile” link located at the bottom of every Funds Transfer page.
Click the “Add E-mail” button. Enter a new address in the appropriate field and click “Submit”.
You will have to validate this e-mail address. An e-mail will be sent to this address containing a validation code. Click on the “Edit Profile” link located at the bottom of every Funds Transfer page.
Click the “Awaiting Validation” link located next to the e-mail address you are validating.
Enter the validation code provided in the e-mail and click “Submit”.

How do I validate my newly added email address?

An e-mail will be sent to this address containing a validation code. Click on the “Edit Profile” link located at the bottom of every Funds Transfer page.
Click the “Awaiting Validation” link located next to the e-mail address you are validating.
Enter the validation code provided in the e-mail and click “Submit”.

How do I deactivate email addresses from the service?

Click on the “Edit Profile” link located at the bottom of every Funds Transfer page.
Click on the “Delete” link located next to the e-mail address you wish to delete. NOTE: You will not be able to delete your main e-mail address.
Click “Yes” to remove the e-mail address.

How do I change my main e-mail address?

Click on the “Edit Profile” link located at the bottom of every Funds Transfer page. Your main, or default, e-mail address will appear with the word "main" in bold print next to it.
To select a new main address, click the "Change Main" link on the page and follow the directions. When you've completed this process, you will receive a confirmation e-mail.

Making Payments with Pay People

How do I initiate a Pay People payment?

· Click on the “Pay People” tab located at the top of every Funds Transfer page.

· On the “Pay People” page, you will be asked for the following information:

· Recipient's Full Name: If you are sending payment to a particular recipient for the first time, enter his or her first and last name in this field (i.e. Bob Smith)

OR

If you have previously sent a Pay People payment to this person, his or her name should appear in the Recipient's Full Name drop-down list. Simply select the appropriate name from this list.

· Recipient's E-mail Address: Type in the full e-mail address of the payment recipient.

· From Account: This is a drop-down list of your host accounts that are eligible for use with Pay People. Select the account you'd like to use to make your payment.

· Shared Secret Code: This is a code that you select to ensure that no one but your intended payee will be able to collect your payment. Select a single alphanumeric code (no spaces or symbols) consisting of four to twenty characters. Your recipient will have to know this code in order to collect the payment, so be sure to communicate the code to your payee as soon as possible. No one but you knows this Shared Secret Code and only you can share it with your payee.

· Message to the Recipient: Enter a message of up to 200 words. Think of this as the "memo" section on a paper check. This message will appear on the e-mail that your payee will receive announcing your payment.

· Amount: Enter the amount of your payment.

· On the bottom of the “Pay People” page you will see the following information:

· Your Remaining Monthly Limit: The figure listed here represents the amount of money you are currently eligible to send, based on the limit imposed by your financial institution.

· Charge: Is a nominal fee of $1.75 per Pay People payment. This amount will be deducted from the account you use for your payment.

· Click "Confirm" to send your Pay People transaction, or "Cancel" if you decide not to send payment at this time.

What is the Shared Secret Code and how does it work?

The Shared Secret Code ensures that the intended recipient collects the payment. Each Pay People payment has a Shared Secret Code, which is known only to the payer and the recipient. The payer enters the Shared Secret Code when initiating the transaction, and the recipient must supply the same code to collect the payment. The Secret Code must be a single alphanumeric "word" (no spaces or symbols) of from four to twenty characters. No one but you knows this Shared Secret Code and only you can share it with your payee.

What happens if the recipient doesn't enter the Shared Secret Code correctly?

The person receiving the Pay People payment has three chances to enter the Secret Code correctly when attempting to collect payment. After the third incorrect attempt to enter the Code, the recipient will be offered the following choices:

The recipient may click on a link that will cause an e-mail to be sent to the sender, alerting you of the problem and asking that you resubmit your payment transaction (see "Resubmit" instructions, below). You can either resubmit the original Shared Secret Code or create a new one. Be sure to contact the recipient to confirm the Shared Secret Code of the resent payment.

The recipient may also choose to cancel the transaction at this time. On the “Overview” page they can click the “Cancel” link located next to the transaction in question. If the transaction is cancelled, an e-mail notification will be sent to the payment sender and the funds will be returned to the sender’s account within the next 2 business days.

How do I resubmit a payment?

To resubmit a pending payment, simply go to your “Overview” page and click on the "Resubmit" link next to the transaction in question. You'll be brought to the “Make Payments” screen for the transaction. Enter a Shared Secret Code. You may choose to resubmit the original Shared Secret Code or create a new one. Click "Submit." The payee will receive an e-mail notification that the payment has been resent. Be sure to contact the payee to ensure that he or she knows the correct Shared Secret Code.

Can I cancel a pending Pay People transaction?

Yes. Click on the “Overview” tab. Find the transaction you wish to cancel under the “Recent Transactions” section of the “Overview” page. Click the "Cancel" link located next to the transaction in question. You will be asked to confirm your cancellation. Click "Yes." The funds will be returned to the payment’s source account.

How will I know when my Pay People payment has been processed?

Click on the “Overview” tab at the top of each Funds Transfer page. Your new Pay People payment will be listed under the “Recent Transactions” section. You'll also find the same transaction listed on your “History page” under the “Payments Made” section.

When will the payment recipient be able to collect the payment?

Pay People payments are generally available for your payee to collect within two to three business days from the day you submitted your request.

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

The payment recipient will receive an e-mail notifying them of your payment. The e-mail will include instructions on how to collect the payment. Don't forget to contact your recipient separately to pass along the Shared Secret Code for your payment transaction.

How am I notified when the payment recipient has collected my payment?

Each of your recent Pay People transactions is listed on both your “Overview” page and on your “History” page. The notation in the Status column for the transaction on both of these pages will change to "Complete" when your recipient has collected the payment. You'll also receive an e-mail when your payee has initiated the process of collecting your payment.

How long does the recipient have to collect my payment?

The recipient must complete the collection process within 30 days of receiving email notification of your Pay People payment. If there has been no response from your payee, the funds are automatically returned to the source account.

What happens if the email notifying the payee of my Pay People payment is undeliverable?

If the Pay People payment notification e-mail is undeliverable, you will receive a return e-mail notifying you of the problem. This problem most frequently occurs because the sender has entered a misspelled or otherwise incorrect e-mail address on the “Make Payments” page.

To correct or change your recipient's e-mail address, go to your “Overview” page. Find the payment in the “Recent Transactions” section. "E-mail Undeliverable" should appear as a link in the “Status” column. Clicking on this link will bring you to the "Make Payments" page for the transaction. Re-enter the e-mail address of your payee. Click "Submit". We'll send out new e-mail notifying the payee of your Pay People online payment at the revised e-mail address.

Will the recipient receive email reminders during the 30-day period?

Yes. We will send out an e-mail reminder to the payee 2 days after our initial e-mail notification. We will also send you an e-mail if the recipient has not collected payment seven days after the original notification.

What happens if the recipient doesn't collect the funds within 30 days?

The Pay People payment will be automatically cancelled and the funds will be returned to the source account. You will receive an e-mail notification that this has occurred, and the “Status” column for this transaction on your “Overview” and “History” screens will change from "Awaiting Collection" to "Funds Returned."

What happens if I try to send payment from an account with insufficient funds?

If you attempt to send a Pay People payment from an account with insufficient funds, the payment is stopped. You will receive an e-mail informing you of the situation and your account will be temporarily suspended from use with the Funds Transfer service. We will then resubmit the payment once automatically. If the payment goes through the second time, we'll send you a follow-up e-mail to let you know, and the account will be reinstated for activity. If the payment does not go through on the second try, you will receive an e-mail informing you of the situation. This e-mail will include contact information needed to reactivate your account.

I've received an email informing me that my transaction did not go through but which doesn't specify a reason. What happened?

There are a variety of situations involving incorrect information or other problems that will prevent the completion of a Pay People payment. The e-mail you've received contains a link to your “Overview” page. You'll see the reason for your problem displayed on this page. Please contact your financial institution’s customer service for assistance.

3. Pay People [Receiver]

I’m not registered for the Funds Transfer service, how do I collect a Pay People payment?

The e-mail you've received contains a hyperlink that will take you to the online Collect Payment Registration Form. You'll need to fill out this form to establish an account so that you can receive personal payments by e-mail via Pay People.

User Name, Password: You'll be asked to select a user name (6 to 16 characters, numbers and/or letters) and a password (6 to 16 characters; at least one number and at least one letter).

Personal Information: You’ll also be asked for some personal information including your name, address, social security number, telephone numbers and e-mail address.

Account Setup: This is where you'll designate the checking or savings account into which you'd like to deposit the Pay People payment you've received. Enter the name of your bank, your account number (to ensure accuracy, you're asked to enter the account number twice), and your financial institution’s 9-digit routing number. You can find your financial institution’s routing number on the bottom of your check. There is a graphic on the page that demonstrates where the routing number can be found.

Review and Submit: You'll see a link that will take you to the Terms of Use for the service. Check the box that indicates you've read this agreement. Once you've done so, click "Submit." You'll be taken to the “Receive Payments” page, where you will complete the process for receiving your Pay People online payment.

I’m registered for the Funds Transfer service, how do I collect a Pay People payment?

Click on the “Pay People” tab located on each of the Funds Transfer pages. Click on the “Receive Payments” located at the top of the page. Here you'll find a listing of all your pending Pay People payments. For each payment, you'll see the date the payment was sent, the e-mail address of the payer, and the dollar amount of the transaction. To collect a payment:

· Click on the selection box to the far left-hand side of the payment(s) you wish to collect.

· Enter the Secret Code for each selected transaction. The payer created this code at the time the transaction was sent. If you don't know the Shared Secret Code for this transaction, contact the person who is sending you the payment.
Please note that you will have three tries to enter the Secret Code correctly for each transaction. If you enter the Shared Secret Code incorrectly on your third try, the sender will receive an e-mail with the alert that you have been unable to enter the Secret Code successfully. The e-mail will suggest to the payer to return to the transaction on his or her History screen and re-enter the Shared Secret Code.

· For each pending payment, you'll see a drop-down list on the right-hand side labeled "Select Account" containing all of the accounts enabled to receive Pay People payments. Select the account you wish to use for the current transaction(s).

· Click "Confirm." You will be brought to a confirmation screen that will display the relevant information regarding your transaction(s). Please review this information carefully. To change any of the details of your transaction(s), click "Edit." You'll be returned to the previous screen. If everything is correct, click "Collect Payment."

You will be sent an e-mail confirming your collection of each payment. The person who sent each payment will also receive an e-mail confirmation at this time.

How long does it take for the funds to be deposited to my account once I have accepted the payment?

The funds will be deposited to your account within the two business days.

How long do I have to collect a Pay People payment?

You have 30 days to collect your payment. If you do not collect the payment within the 30-day limit, the payment will be cancelled and the funds will be returned to the payer's bank account.

What is the Shared Secret Code and how does it work?

What if the payment recipient doesn’t enter the Shared Secret Code correctly?

The recipient may click on a link that will cause an e-mail to be sent to the sender, alerting you of the problem and asking that you resubmit your payment transaction (see "Resubmit" instructions, below). You can either resubmit the original Shared Secret Code or create a new one. Be sure to contact the recipient to confirm the Shared Secret Code of the resent payment.

· The recipient may also choose to cancel the transaction at this time. On the “Overview” page they can click the “Cancel” link located next to the transaction in question. If the transaction is cancelled, an e-mail notification will be sent to the payment sender and the funds will be returned to the sender’s account within the next 2 business days.

I've received an email informing me that a payment I've received and deposited cannot be completed because my account information is incorrect. What should I do?

You will receive this message when the information you supplied when adding an account to collect you payment is incorrect. Go to the Funds Transfer service and click on the “Overview” tab. The status of the transaction will be shown as "Resubmit and Cancel" in the “Payments Received” section of the “Overview” page. Find the account in question under the “Accounts Set Up to Collect Payment” section on the “Overview” page and click the “Remove" link. Next, click the “Add Accounts” tab and resubmit the account, being sure to double-check all information. Once this process has been completed, click "Resubmit" next to the transaction on the “Overview” page, select the correct receiving account and follow the simple instructions.

Once you have completed this process, the funds should arrive at your account within two business days.

Please note that if the resubmitted account information is still incorrect, the transaction will be cancelled and the funds returned to the sender's account. If this occurs, both the sender and recipient will receive e-mail notification.

Please note that if the resubmitted account information is still incorrect, the transaction will be cancelled and the funds returned to the sender's account. Both the sender and the recipient will receive email notification should this occur.