What is “Pay A Person”?

U.S. Bank Pay A Person, powered by Popmoney, is an easy way for you to send money electronically from your U.S. Bank account to anyone who has a bank account in the United States.

Pay A Person eliminates the hassles of checks and cash, so that sending and receiving money is as easy as emailing and texting. You can now send money directly to a person's bank account, a faster and easier way for the recipient to receive your money.

How does it work?

Pay A Person works through the online banking services, using the same systems and security you rely on today. It's available both online and on mobile devices, and you can send money to anyone who has a bank account in the United States.

To send money, you’ll need ANY ONE of the following:

  1. Recipient’s bank account number and routing number - This is the fastest and easiest way for recipients to receive your Pay A Person payment. Your money will be deposited directly to the recipient’s bank account, and you also have the option to request an email notification for your recipient.
    - OR -
  2. Recipient’s email address - If you choose this option, the recipient will receive an email with instructions on how to direct the payment into his/her bank account.
    - OR -
  3. Recipient’s mobile phone number - With this option, the recipient will receive a text message with instructions on how to direct the payment into his/her bank account.

We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

What can I use Pay A Person for?

You can use U.S.Bank Pay A Person to send money to anyone who has a bank account in the United States. There are many ways you can use it to make your life easier, such as:

  • Paying rent to your landlord or roommates
  • Sending money as a gift to family and friends
  • Sending money to your child at college
  • Splitting the tab at a restaurant


Will any personal information be shared with my recipient?

In order to process your transaction, we may share your name, email address, phone number and anything you typed into the message field with the recipient.

Is Pay A Person available outside the United States?

U.S. Bank Pay A Person is currently available only for recipients with bank accounts in the United States. Our Western Union Money Transfer® service is a great alternative for sending money almost anywhere in the world.
Learn more about Western Union

How do I send money with Pay A Person?

You can send money using U.S. Bank Pay A Person either online or via your mobile device.

To send money, you’ll need to provide or know:
  • Recipient information, including bank account information, email address, or mobile phone number
  • Your bank account number from which to withdraw the payment
  • The amount you wish to send

You will receive a confirmation receipt via email when the transfer is completed.

What recipient information do I need to make the transfer?

To send money, you’ll need ANY ONE of the following:

  1. Recipient’s bank account number and routing number - This is the fastest and easiest way for recipients to receive your Pay A Person payment. Your money will be deposited directly to the recipient’s bank account, and you also have the option to request an email notification for your recipient.
    - OR -
  2. Recipient’s email address - If you choose this option, the recipient will receive an email with instructions on how to direct the payment into his/her bank account.
    - OR -
  3. Recipient’s mobile phone number - With this option, the recipient will receive a text message with instructions on how to direct the payment into his/her bank account.

We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

Does my recipient need an account at U.S. Bank?

A U.S. Bank account isn't required to receive money via Pay A Person. Your recipient will receive an email or text with instructions on how to claim the money you send.

Make sure you tell the recipient to expect a U.S. Bank Pay A Person email or text and to complete the Popmoney registration if their bank is not part of the Popmoney network. If your recipient's bank is part of the Popmoney network, then no registration will be required; all they have to do is accept the funds.

How soon will my recipient get the money I send?

Your recipient will receive an email or text immediately, with instructions on how to claim the money you send.

After the recipient completes the instructions to claim the payment, the money will be deposited into the recipient’s account based on the delivery speed you choose.

  • If you choose Next Day delivery, the recipient will receive the money the next business day.
  • If you choose standard delivery, the money will be deposited within 3 business days.


If your recipient doesn’t claim the payment within 10 days, the transaction will be cancelled, the recipient will be notified, and the funds will be returned to your account.

Will I be notified when my receiver gets my payment?

Yes. You will receive an email or text message with payment details showing that the transaction has been deposited and fully processed.

If your recipient doesn’t claim the payment within 10 days, the transaction will be cancelled, the recipient will be notified, and the funds will be returned to your account.

We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

How much can I send with Pay A Person?

Limits apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. To check your limits, go to the Send Money screen within the Online Banking Popmoney service and click on the Help icon next to the Amount field.

Are there any fees?

Yes. Fees are based on how much you send and how quickly you need it delivered. You’ll see the total fee before you complete the transaction.

Can I cancel a payment?

To cancel a payment before before it has been deposited to your recipient's account, log in to U.S. Online Banking or call 800-872-2657 (800-US BANKS). Payments that have already been claimed by the recipient cannot be canceled.

Can I change or cancel a recurring payment?

Yes, you can change or cancel your next scheduled payment anytime before the send date. If you wish to edit the next scheduled payment, you can update the send date, amount, subject line and personal message without affecting future payments.

You can also edit or delete the entire recurring payment plan at any time.

How do I add a new recipient?

You can add a Pay A Person recipient online at any time. To send money to a new recipient, you'll need to provide recipient information, including bank account information, email address, or mobile phone number.

How will my recipient be notified?

Your recipient will receive a text message or an email from you saying money was sent via U.S. Bank Pay A Person. After the recipient follows the instructions to claim the payment, the money will be deposited into the recipient's account, and the payment details will be added to the recipient's account history.

What does my recipient need to do to get the money?

First-time recipients who are U.S. Bank customers will be automatically registered with Popmoney when they log in to U.S. Bank Pay A Person. Recipients can go to the To Do / Receive Money list to deposit the money to the account of their choice.

First-time recipients who are not U.S. Bank customers will receive a notification (email or text message) with instructions on how to register with Popmoney and claim the money. Once this is done, the money will be deposited into their account, and the payment details will be added to their account history.

Repeat recipients will receive a notification if you send money using an email address or mobile number that is different from the ones they entered in U.S. Bank Pay A Person. To get the money, recipients should select incoming payments in U.S. Bank Pay A Person. For recipients with more than one account, incoming payments can be directed to the account of their choice.

Does my recipient always have to receive payments with the same bank account?

No, your recipient can deposit the payment to any of the accounts on his/her account list.

What is Automatic Deposit?

Automatic Deposit is a Popmoney option for recipients that makes it faster and easier to receive Pay A Person payments.

If you are a recipient, you can designate one account into which payments from all senders will be deposited. Once you set this up as your preference, there's nothing more for you to do. You will be notified of incoming payments via email, and the payment will automatically be deposited into your selected account. You can change your Automatic Deposit preferences anytime.