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You can make transfers to outside institutions conveniently, 24 hours a day, right inside of Online Banking! So next time you need to get money here or there, use CFCU to take control of your finances!

Features & Benefits

  • Transfer funds to and from your accounts at other financial institutions to your accounts here
  • Transfer funds directly online
  • Pay your CFCU loan from an External Account (Must transfer funds to a Savings/Checking account first and then transfer to make your loan payment)
  • Make one-time transfers or set up recurring transfers
  • Make faster transfers with processing until 5 P.M.. EST to be considered part of the current business day. Transfers process on the next business day.
  • You can cancel your own transfers instead of having to call. There is a convenient "Cancel" option noted next to the transaction in your transfer history. (NOTE: The transaction must be in a "Pending" status in order to cancel. Once it has moved to "Processing", you will not be able to cancel.)
  • Receive email reminders for scheduled transfers

In order to begin using the "Transfer Money" service through our Bill Pay system, please click the "Payments" tab inside of online banking, the select "Bill Payments" in the left navigation. Visit the "Transfer Money" menu.  You will need to add the external accounts you use at other financial institutions. With External Transfers-In (Transferring from another institution to CFCU), there is a level of security to validate the ACH transaction. You will need to complete the following steps prior to using the Transfer Money service:

  • Upon adding your account, our Bill Pay service will make 2 test deposits and 1 test withdrawal into the account you are adding within 2 business days.
  • You will need to look at the transaction history of the account you are attempting to add to identify the amounts of those test deposits.
  • Revisit the Transfer Money area of Bill Pay and select the "Verify Account" prompt at the top of the page and enter the 2 test deposit amounts.​

Now you're ready to start making transfers! Of course, if you have questions please contact us at or by phone at 586.772.6330.

Online Bill Pay Service Charges

Online Bill Pay Monthly Maintenance Charge with/without E-Checking (Includes up to 25 payments) FREE/$3.00 per month 
Online Bill Pay Excessive Payments Charge (includes total count of bill payments, account-to-account transfers and Popmoney transactions in excess of 25) $0.40/payment
Online Bill Pay same day payments $9.95
Online Bill Pay next day overnight checks $14.95
PopMoney, per transaction $0.50
Account-to-Account transfers (transfers between your accounts at CFCU and your accounts at other financial institutions) $5.00


*NOTE: Using this feature requires enrollment in the Bill Pay service. There is no monthly maintenance charge to members enrolled in Bill Pay who have our E-Checking product. Please click here for additional information on Bill Pay fees.

*Transactions are processed through the ACH Network and post to your account in 1-3 business days. There is a $5.00 per transaction fee for the External Transfer services.