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Personal and Business Banking

DCU People Pay

A FREE person to person funds transfer program.

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DCU People Pay


  • Allows you to quickly transfer money to a person either at DCU or another financial institution
  • FREE service for DCU Members
  • Transfers only take one business day
  • Available 24 hours a day, seven days a week
  • Easy access through Account Manager in Online Banking or our Mobile App.

"Everything in a one stop shop!"

Open quote Every time I log into Online Banking, I can do everything I need: check my balance, pay my bills, receive notifications, open new accounts... AND it's FREE!!! Does it get any better than that? Close quote

— S.H, Leominster, MA

About DCU People Pay

For many people, using cash or checks has been the easiest way to pay a friend or acquaintance. However, more and more people are using their smartphones or other electronic devices to make purchases and manage their finances. Introducing People Pay – a new way of sending money that’s fast, convenient and safe.

Manage all your payments in one location without slowing down your busy lifestyle.

You Can Use People Pay to:

  • Pay your roommate back for shared rent or household expenses
  • Send cash to a niece or nephew in college
  • Pay back a friend for lunch or concert tickets
  • Make sure the soccer team dues are paid in time for next week's game

DCU People Pay is the fast, safe way to send money online.

Here's How It Works:

Sending Money

You can send money to almost anyone with an email address or a mobile number. The person will receive a notification with instructions on how to claim the money.

Receiving Money

You can do this two ways:

  1. Refer to the notification that was sent to your email address or mobile number.
  2. Simply go to the "Incoming" tab in People Pay

Transfers Happen Fast!

Certain transfers you make using People Pay can happen in real-time, instantly. If your transfer can't be processed immediately, it may process in as little as one business day. Also, please allow additional time for the receiving institution to post the transfer.

Using People Pay is FREE!

Sign up today through Account Manager located in Online Banking.

Frequently Asked Questions

What does DCU People Pay do?

People Pay is a person to person funds transfer program that allows DCU members to transfer money from their accounts at DCU to a person either here at DCU, or another financial institution.

What does it cost to use People Pay?

Nothing! DCU People Pay is a free service for DCU members.

How long does it take to complete a transfer?

Certain transfers can happen in real-time, instantly. If your transfer can't be processed immediately, it will only take one business day to process.

How much can I transfer?

You can transfer up to $400 per transaction with a $600 maximum transfer amount per day.

How does the recipient get their money?

You can transfer money directly to your recipient's financial institution if they provide you with their routing and account number. If you don't have that information, the recipient will get a text or email with instructions to claim the transfer.

Can I use People Pay with the DCU Mobile App?

Yes! DCU People Pay is available through online banking as well as the DCU Mobile App.

How do I sign up?

Signing up for DCU People Pay is easy! Simply log into Online Banking and go to Account Manager. DCU People Pay will be on the left side of the screen. For mobile users People Pay can be found in Account Manager once you have logged in.

People Pay is rated 4.1 out of 5 by 126.
Rated 5 out of 5 by from I am able to pay installments The tool is great for paying an individual. I am also able to make the payment recurring so I do not need to go in and send payments at my designated frequency.
Date published: 2018-07-17
Rated 5 out of 5 by from Easy to use and convenient This product is easy to use and convenient when you need to pay someone quickly and don’t have cash with you.
Date published: 2018-06-26
Rated 5 out of 5 by from Great Definitely easy to use and very convenient. Would like to see a larger amount to be allowed to transfer.
Date published: 2018-06-26
Rated 5 out of 5 by from Much faster than ACH with less restrictions than other P2P platforms I send to Paypal instantly or to my external accounts in 1-2 business days with People Pay. This latter bank-to-bank transfer is great in that the receiving banks don't put the normal 1-2 day hold on these funds. And no, your other bank doesn't have to offer People Pay for it to work. So it's faster, cheaper, and more versatile than Popmoney right off the bat. I don't even know why Popmoney is popular -- that service just helps banks make more money off of you. People Pay doesn't -- it's customer-centric. I just wish the transfer limits were higher.
Date published: 2018-05-01
Rated 5 out of 5 by from Great! Very easy and convenient. Love having this feature. Other people I make the payments to wish their bank offered this.
Date published: 2017-03-23
Rated 5 out of 5 by from I like people pay I like using people pay as mailing a check is not always the most fastest way to get things done. That being said I wish the cap was higher, perhaps $1,000 instead of $500.
Date published: 2017-03-23
Rated 5 out of 5 by from Excellent so easy It is so easy to use I just love it you can't find anything better.
Date published: 2017-03-23
Rated 5 out of 5 by from Super Pay No transaction fee even to a different bank account, what else? Also, it is fast.
Date published: 2017-03-22
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  • clientName_digitalfederalcreditunion

If I send $100, will you charge anything to the recepient?

What is the transaction fee for the recepient?
Asked by: Ram
Nope! Each time you set up an individual transfer it will tell you whether there's a charge or not. When I set up a payment to a contact to be deposited in their account, there is no fee for me or for them. I actually don't know if there's any method that DOES charge a fee, as all the options I've tried have no associated fee.
Answered by: Maeg619
Date published: 2017-05-27

Charges to send money from DCU to other bank

Will there be any charges if i send money to my friend from DCU to other babk account? ?
Asked by: Kiran
DCU does not charge any fee for this service. It is absolutely free. Also BofA will not charge any fee as it is incoming transfer for them.
Answered by: Deep29
Date published: 2017-05-20

Receiving Money from other financial institution to DCU checking account

My friend owes $40 to me. He is currently banking with BoA, can I receive money in DCU checking account if I give him my checking account and routing number through DCU people pay
Asked by: Sachu
Yes you can, but he has to pay external bank transfer fee which is charged by BofA
Answered by: Deep29
Date published: 2017-05-20

Can I send money from my DCU account to my own Chase account using this service?

Can I send money from my DCU account to my own Chase account using this service?
Asked by: sum
Yes you can send to chase. You need to add your external account in people pay and usually take a day or two to credit the money.
Answered by: Sandy
Date published: 2017-05-27

What method DCU transfers money (wire/ACH/otherways) to the recipient?

I would like to know what method DCU transfers money (wire/ACH/otherways) to the recipient? Why I am asking this is, some banks charge an fee for incoming money. Knowing exactly how the money gets transferred (within USA) will help the recipient to check with his/her bank to make sure they understand the amount if there any fee.
Asked by: SA
Definitely not wire, as I wasn't charge incoming wire fees from the receiving bank. My receiving bank says "ACH deposit", but I'm thinking it may be a direct deposit, because that bank normally holds regular ACH funds for 1-2 days before releasing it to me for a total transfer time of 4 days. People Pay's transfer takes 1-2 days for me to have actual access to the money when it arrives at the other bank.
Answered by: Jin
Date published: 2018-07-07
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"Online Banking is SO easy to use!"

Open quote DCU has always been miles ahead of the competition when it comes to online banking and their years of experience with it definitely shows in the clear, easy to use interface to their products and services. I've had nothing but good experiences with DCU. Close quote

— Member_4_Life, Holliston, MA

Related DCU People Pay Links

  • People Pay Disclosures  – Learn about DCU People Pay terms and conditons of use.
  • CashEdge Funds Transfer  – Move money between your DCU accounts and your accounts at other financial institutions. Email money to anyone.
  • Account Manager – Manage your accounts, get messages, upload documents, accept loan approvals, and so much more within Online Banking.
  • Bill Payer – Save money with every bill you pay. It's fast, easy and secure!
  • DCU Text Alerts – We'll send you a text message to let you know that you are in danger of bouncing a check, your loan payment is due, or if your balance falls below a certain amount. You choose which alerts that you want to receive!
  • eStatements  – View, print, and save your statements electronically through Online Banking.
  • Money Management – An easy to use tool designed to help you manage your everyday finances all from within Online Banking.
  • Frequently Asked Questions
  • Mobile Banking – Access your DCU accounts with smart phones, iPads, and internet-connected devices.
  • Online Deposit – Deposit checks free with the camera on your smart phone or iPad, or a computer scanner.
  • Security Features – Here's how we protect your information and our systems.
  • Scheduled Maintenance – At off-peak times, we may take the system down for upgrades. Find out when the next times are.

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