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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 will only take one business day to process.

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.

Are there transaction limits?

Yes, you can send up to $500 per transfer with a limit of $1,500 in transfers per day.

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 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 3.0 out of 5 by 10.
Rated 5 out of 5 by from Smooth and easy! I have been using PeoplePay for a few months now and have had no issues at all. I have sent and received money using the service and both types of transactions have been fast and painless. The setup was simple. When I send or receive money from other DCU members it is in the account instantly. With members of other banks it has not taken more than 2 days so far. I have not had to send money to a PayPal account yet so I can't comment on that. Thank you, DCU!
Date published: 2016-06-07
Rated 5 out of 5 by from 5 star product I used this service only recently, but it is outstanding. Setup is quick and easy. Money deposits in a day to most of the target banks.
Date published: 2016-05-10
Rated 5 out of 5 by from Very Simple and Instantly sends to Paypal. No fees This may be the first and only instant way to send money to a Paypal account with no fees. Great for sending money to your student. Only Paypal e-mail id needed. Love it. Thanks DCU. Way better the PopMoney.
Date published: 2016-04-18
Rated 4 out of 5 by from Works Well Easy to use, but DCU should consider adding reoccurring payments and increasing daily, weekly, monthly limits.
Date published: 2017-02-10
Rated 4 out of 5 by from Setup and use was straight forward. I found the setup to be relatively easy. A verification code is sent to you for via email or text, you enter the code when requested and you are verified. To add a friend or family member for payment, each new payee is also verified. I did not have any problem sending a payment message to a buddy via text messaging. My buddy indicated he received a text message with a code and hyper link. The linked asked him to verify himself with via his phone number through which he received the text message and the code contained in the text message. Once completed he was given a choice of where the money should be transferred, Paypal, DCU or some other bank. He choice another bank, for which additional information such as bank routing code his account number was required, i.e. the information found on your checkbook. My friend thought the overall process was fast and painless.
Date published: 2016-01-23
Rated 2 out of 5 by from Doesnot work in filling form or adding a person This doesnot work in filling form or adding a person. Instead to trying to send it from DCU people pay better to go to bank and pay.
Date published: 2016-06-03
Rated 2 out of 5 by from Possible problem with security Haven't used it yet, but did ask DCU about how it works. I was told I could receive funds from someone not at DCU, but would have to provide my account number to them in order to receive funds. That is a big "NOT" in my book. With Popmoney I never had to give out my account number.
Date published: 2016-02-25
Rated 1 out of 5 by from Fail My son (DCU member) tried to send me (also member), money using People Pay. Got the email and followed the directions. No money received. Just said transaction failed. No explanation except to contact sender. Well that doesn't help. He has no idea why it failed!!! Shouldn't YOU be telling us that????
Date published: 2016-12-15
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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: Anonymous
According to DCU representative, yes, if BoA offers People Pay
Answered by: Anonymous
Date published: 2016-04-30

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: Anonymous
I think this is free for DCU to DCU transfers only, there will be a charge for other bank transactions/transfers.
Answered by: Anonymous
Date published: 2016-03-05

Money transfers

Can a person use this site to scam people over funds? Do you protect your clients from scamming?
Asked by: Anonymous
People Pay transactions can only be initiated and sent from within Online Banking. Online Banking is an extremely secure way for our members to manage their accounts. Details may be found on our web site at https://www.dcu.org/online-banking/security.html . There is also further information available on how you can protect yourself against scams on our web site at https://www.dcu.org/streetwise/privacy/scam.html .
Answered by: Anonymous
Date published: 2016-08-27

Can use this feature to send money internationally?

Asked by: Anonymous
People Pay can only be used to move funds domestically, within the USA.
Answered by: Anonymous
Date published: 2016-03-05

How does one enable People Pay?

How does one enable People Pay? when I try to access it, it just says "Sorry, you do not have access to this function." Is there something one must do first to opt-in?
Asked by: Anonymous
People Pay is available to members after their account has been opened for 3 months or longer. If your membership has been opened for a minimum of 3 months and you are still receiving this message please contact us directly by phone, Live Help, or email and we can look further into this for you.
Answered by: Anonymous
Date published: 2017-02-04
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  • clientName_digitalfederalcreditunion

"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

  • 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.
  • FinanceWorks – 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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