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

Why should I use the Online Money Transfer Feature?

If you are looking to transfer funds online from another financial institution to your Christian Financial account, this is a great option for you! Set up one-time transfers or schedule recurring transfers. Plus, pay your CFCU Loan from an external account when you transfer money to a CFCU Checking or Savings account.
With processing until 5 P.M. EST, you can make your transfers faster with next business day processing. Plus, cancel your own pending transfers. Simply, select the “cancel” option noted next to the transaction in your transfer history. Receive email reminders for scheduled transfers.


How to Transfer Money

To begin using our “Transfer Money” service through Bill Pay, please click “Payments” inside of Online Banking. In the left navigation select “Bill Payments” and here you can 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:
  • Once your account is added, 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 are ready to start making transfers! We are here to help if you have questions, 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 or additional information on Bill Pay fees 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.A fee may be charged for each Popmoney transaction. Fees for the transaction are displayed below the amount field. Members must be 18 years of age or older to use Popmoney.