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Send Money, UNCLE's P2P payment service!

Send Money

Send Money is a fast and secure P2P (Person-2-Person) payment service to transfer funds from your checking account to another person or merchant outside the Credit Union using our mobile app in partnership with PayPal™. All you need to get started is the other party's email address or mobile phone number.

How it works:

  1. Select "Send Money" on UNCLE's Mobile Banking app.
  2. Review and accept the Terms and Conditions.
  3. Confirm the phone number or email address you would like your security code sent to (to ensure a secured transaction, every payment is confirmed by a security code sent to the selected device by email or text).
  4. Enter the amount, then phone number or email address of recipient.

It's that easy! Get started today by selecting Send Money on UNCLE's mobile app.

Send Money FAQs

What do members need to use Send Money?

An iOS or Android device equipped with the UNCLE Mobile Banking App and an UNCLE Checking Account with an opening date more than 30 days. Please note that Send Money requests for other account types such as a Savings Account or Money Market Account will not be processed.

Do I have to have a PayPal account?

No. Send Money from UNCLE allows members to send money without having to enroll in a PayPal account.

Does the recipient need to have a PayPal account?

The recipient will need a PayPal account to claim the funds. If the recipient does not have a PayPal account, signing up for one takes only a few minutes.

Is there a limit to how much a member can send with Send Money?

Yes. Members may send up to $500 per day in as many transactions as they want. The minimum transaction amount is $1.00.

How long does it typically take before the funds are available to the recipient?

If the recipient has an existing PayPal account, the funds are available to them in their PayPal account immediately. If the recipient doesn’t have a PayPal account, the funds will be available as soon as they open a PayPal account, which takes only a few minutes to set up. The recipient then can spend it online or, if they choose, transfer it to their bank account. Transfers from a PayPal account to a bank account may take up to three business days to process.

How much does it cost to use Send Money?

Using Send Money is free to all UNCLE members.* Members should check with their mobile phone provider as charges may apply. Additional fees from PayPal may apply if a member is sending money to a country outside the United States. Any such fees will be based on the country of the recipient.

*No fees are currently applied to members using Send Money via UNCLE’s Mobile App. You are responsible for any additional fees incurred by using Send Money. These fees include, but are not limited to, Non-Sufficient Funds, Courtesy Pay, Overdraft Transfer and other fees that may be applicable. Fees may be added or adjusted at any time at the sole discretion of UNCLE. For a full listing of fees please visit unclecu.org/disclosures. PayPal may charge fees to the recipient of the payment as described in the recipient's agreement with PayPal. Users are responsible for current or future fees assessed by PayPal as described in the PayPal User Agreement.
To be eligible for the Send Money, you must 1) be a member in good standing as established by UNCLE, and 2) have a qualified account for any payment/transfer processed through Send Money. The service may be revoked at any time by UNCLE without any further notification and any transfers scheduled may be cancelled at any time in the event of misuse, fraud, abuse and/or any other violations of regulations as described in this disclosure.
UNCLE reserves the right to refuse to complete any transfer or payment/transfer. UNCLE also reserves the right to screen Send Money payment/transfer recipients and reject or cancel the payment/transfer as mandated by Federal or UNCLE CU Internal Use 12/30/2014 other law. UNCLE may discontinue offering this service at any time without any prior notification. Users of Send Money accept that they are also subject to PayPal guidelines and restrictions.
UNCLE provides our members the ability to initiate payments or transfers from your checking account using UNCLE’s Mobile App through PayPal to a third party during a mobile banking session (Send Money Services). By agreeing to use Send Money, you are able to send money via mobile banking to others using a cell phone number or email address through the PayPal network.

Contact Us

If you can't find what you're looking for on our site, give us a call at 800-34UNCLE or visit our Contact page for all the details.

Routing Number

UNCLE Credit Union's Routing / Transit number is: 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of July 8th, 2020

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