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Friend Pay


Securely send money instantly to anyone, anywhere!

With Central Bank Friend Pay, you can send anyone money by using their mobile phone number or email address. The recipient will receive an email or text notification with payment details and will be asked to enter their debit card or bank account information to collect the money. If they select a participating debit card, the funds will be sent to their checking account immediately. If they choose to collect the money by entering in a checking account number and bank routing number, the payment will be received within 2-4 business days. No registration or login is required to receive the funds.

CAUTION: Please ensure that the phone number or email address you enter is correct. Once you submit the payment, the recipient can obtain funds even if it is not the intended recipient due to an error in the entry of the phone number or email address. You, as the sender, are fully responsible for the authorization of this transaction.

Three Easy Steps to Pay a Friend

How do I use Friend Pay?

  • Log in to Online or Mobile Banking and select "Friend Pay" under the “Transactions” menu.
  • Enter the recipient’s mobile phone number or email address and the amount you want to send. You may also write a memo which will be included in the text message or email.
  • Verify the transaction using your debit card PIN. You will receive a message if the transaction was successful.
  • The recipient receives a notification with the payment details and enters their debit card or bank account information and accepts the recipient agreement to collect the money. No registration or login is required to receive the funds.