Skip to main content

Person-To-Person Pay

Pay anyone instantly using a mobile phone number or email address.

A Simple Way to Send Money

Whether you owe a friend for lunch or need to pay a babysitter, you can quickly send money from the convenience of your account with Georgia United’s Person-to-Person (P2P) Pay. It’s simple, secure and there is no charge or personal account information needed.

Georgia United P2P Pay sends money from your Georgia United Checking or Savings Account securely to your friends and family using just their mobile phone number or email address.

How To Use P2P Pay

  1. Log in to Online Banking or the Georgia United Mobile App.
  2. Select ‘Transfers and Payments’ and click ‘P2P Pay’.
  3. Enter the recipient’s email and/or phone number.
  4. Determine how much and when to send the payment.
  5. Create a custom security question for the recipient to answer. 
  6. The recipient will receive an email or text with a link to answer the security question.
  7. Once the recipient correctly answers the security question, they will choose to receive the funds either directly to their checking or savings account, or by debit card.

Note: If you've never used P2P Pay before, you'll need to first request access by contacting our Member Care Center at 888.493.4328. Once set up, follow the steps above to send money.

Frequently Asked Questions

Your account will be debited at the same time the recipient submits their information and chooses to have the funds delivered via debit card. If recipients choose to receive funds directly to their account and submit their information before 5 pm EST, your account will be debited the same day. If the recipient submits their information after 5 pm EST, your account will be debited on the next business day. 

You can send money to anyone in the United States with a checking or savings account at any bank or credit union.

The recipient will receive funds immediately if they choose debit card as their delivery method. Recipients who submit their account information and routing number before 5pm EST can expect deposits the next day. If they submit their information after 5 pm EST, the funds will be deposited the second business day after the payment is accepted.

To receive funds by debit card, the recipient will need to provide their debit card number and expiration date. To receive funds directly to their account, the recipient will need to provide their checking or savings account number and routing number. 

If the recipient does not respond correctly after three attempts, the process of sending funds will not begin. You will be alerted by your preference of email or text if this occurs. 

Once the recipient has answered the security question correctly and entered their information to claim funds, they are no longer required to answer a security question for future payments – unless you change the question and/or answer.

There is no fee to use the service. Overdraft/returned item fees may apply, see Share Rates and Fees ScheduleShare Rates and Fees Schedule for additional fees that may apply.

Payment will be cancelled if the recipient does not claim funds within seven calendar days. 


Georgia United P2P Pay is accepted by many debit networks including Accel, CULIANCE® (formerly CU24), NYCE, Plus, Shazam and Star. To confirm a debit card can accept the funds sent, check the back of your card for one of these network logos.