You can use digital banking to pay your friends and family members for free! Our P2P service is offered in the bill pay area of digital banking, and you need to have a checking account with us in order to use these services. 

We recommend using this service if the person you want to pay isn't an Oregonians member. If they're a member, you can make cross-account transfers into their account and you're not required to have a checking account to do this.

About P2P transfers

• All bill pay services, including P2P transfers, can only be made using your Oregonians checking account
• You must add the person you'd like to transfer money to as a recipient, before you can send them money
• All your P2P recipients are available for you to send money to in Payments > Bill Pay > Person

How does the P2P (person-to-person payment) process work?

1. Add the person you'd like to pay as a recipient
2. Initiate the payment
3. They'll receive an email or text asking them to supply a debit card number or bank account numbers
   1. Debit card: they pay a $1 fee, transfer takes place in under 20 minutes
   2. Bank account: no fee, transfer takes place within 1 business day

How to add a person as a recipient for P2P transfers

1. Open the Payments tab
2. Click the Bill Pay & External Transfers (app) or Bill Pay, P2P and A2A (online) button
3. Select the Member Number you'd like to transact with (you must have a checking account on this membership)
4. Click the Person tab
5. Click ADD CONTACT
6. Complete the OTP verification
7. Enter the person's information and click ADD
8. Congratulations, this person is now added to your recipient list for P2P transfers!

How to make a P2P transfer

While in the Person tab (step #4 above), you'll see all of your P2P recipients. Locate the person's tile and click PAY to send them money.