Instant Confirmation
Know a payment succeeded.
Real-Time Settlement
Eligible incoming payments may arrive in seconds; conditions apply.
24/7 Access
Payments happen on weekends, holidays, even when the bank is closed.
Some payments can't wait for the next business day. A client paying an invoice the moment it's due, money landing before a big weekend, a customer settling up on a deal that just closed. Real-Time Payments (RTP) (Receive) allows eligible incoming payments to be received within seconds, 24 hours a day, 7 days a week, with transaction details and payment confirmation. so you always know exactly what landed and when. Delivery times can vary depending on the sending institution and network availability, and the sending financial institution and applicable network requirements.
Speed is just the beginning.
- Built to get you money moving, the second it counts.
- Instant settlement: Eligible payments are generally received within seconds.
- Available 24/7/365: No need for the bank to be open or waiting for the next business day.
- Immediate payment confirmation: Receive confirmation when an eligible payment is received.
- Irrevocable transactions: Once sent, payment is final and cannot be reversed through the network.
- Remittance data included: Payment details travel with the transaction, so reconciliation takes less manual work.
- Time-sensitive receipts: Receive eligible incoming payments without waiting for the next business day.
Real-time payments allows eligible incoming payments to be received within seconds, 24/7/365. Wire and ACH payments are subject to their respective processing schedules, cutoff times, and availability requirements.
Yes. Real-time payments operate 24/7/365, so you're not limited by banking hours or business days.
Real-time payments (receive) is free and included with all our business checking accounts.
Real-time payments are designed to settle quickly and are generally final once settled. Any dispute, return, or collection request must be handled under applicable network rules and through the sending and receiving institutions.
Not yet, but it’s coming soon. We’ll let you know as soon as it’s available.
Membership eligibility required. Real-Time Payments (RTP) Receive allows eligible incoming payments through the RTP® Network and does not currently support sending payments. Service availability is subject to participating financial institutions and applicable RTP Network requirements. RTP Receive is currently available at no additional cost with eligible business checking accounts. Transaction limits and other terms may apply. Federally insured by NCUA.