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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 4.2 out of 5 by 75.
Rated 5 out of 5 by from Very easy to use -- three clicks. It is so easy to transfer funds immediately with complete security.
Date published: 2017-03-19
Rated 5 out of 5 by from too long getting to outside bank I thought it was great to use this instead of a wire transfer, but I was disappointed that I couldn't get the money sent the same day, althoughI admit it was a weekend. My Granddaughter now has a dcu account so I can just transfer money. Keep up the good work, I think this is a great idea
Date published: 2017-03-17
Rated 5 out of 5 by from Great product DCU has many "sticky" features and this is another great one! We have a relative that we transfer funds between. Before People Pay we would ave to either mail a check or meet up over an hour away. Now it is super easy fast and easy to transfer between DCU accounts! We also use bill payer and oh my goodness how easy it is not only pay my bills in one location but also to get my current bill balance/due date feed straight from the biller. Love the features
Date published: 2017-03-17
Rated 5 out of 5 by from So easy I love this feature. It is easy to use for someone who is not a "techie". I do wish the instructions were a bit clearer on how to do it...I had my "techie" friend show me how to do it. Thanks
Date published: 2017-03-17
Rated 5 out of 5 by from Excellence! DCU is the best credit union ever! Customer service at its best!
Date published: 2017-03-17
Rated 5 out of 5 by from Excellent service to transfer money for free People pay is easy to use. Makes it convenient to transfer money to your friends or family whose account is with any bank in the US for free. The money gets transferred withing 1 to 3 business days so it's fast too. You can also manage contacts and view current status of transfers.
Date published: 2017-03-16
Rated 5 out of 5 by from Easy to use It only takes a few moments to send money with Peoplepay
Date published: 2017-03-16
Rated 5 out of 5 by from Notification confusion When a request to transfer to a non-DCU account is made one receives a notification that the transfer has been made, when it hasn't. It only reflects that the transfer request has been received by DCU. At another later time or day the same worded notification is received when the actual transfer is made. Notifications should be made to reflect what actually happened, not the same notification for two separate events. When a request to transfer to a DCU account is made only one notification is received that the transfer has been made. This is fine. Thank you.
Date published: 2017-03-16
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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
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: Anonymous
Date published: 2017-03-16

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
Yes you can, but he has to pay external bank transfer fee which is charged by BofA
Answered by: Anonymous
Date published: 2017-03-16

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

What is the transaction fee for the recepient?
Asked by: Anonymous
There is no fee, one of the perks of being members
Answered by: Anonymous
Date published: 2017-03-18

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: Anonymous
Yes, you can do with DCU People Pay service. I have done this several times to my Chase account in recent months.
Answered by: Anonymous
Date published: 2017-03-16

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
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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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