ALMA People Pay

Pay anyone, anywhere, anytime

ALMA People Pay allows you to send funds from your checking account to another person by using the receiver's email address, mobile phone number or bank routing and account number. This service is accessible through ALMA Bank's Consumer Online Banking platform.

Payment Methods

  • Deposit to Bank Account
  • Send to Email or Mobile Phone Number
  • Send Money using Paypal

*There is NO Fee charged for this service

(Access this service from ALMA Bank's consumer online and mobile banking application)

ALMA People Pay

To use the payment service, the customer must maintain an eligible funding account ("Account") and enroll in our Consumer Online Banking Service. An eligible funding account is a checking account linked to and accessible through our Consumer Online Banking Services.

Payment Methods

1. Deposit to Bank Account

  • This allows the sender to send the payment directly to the receiver's account via ACH.
  • The payment will be debited from your funding account in real time and will be credited to the receiver’s account within 1-3 business days after the payment is sent.
  • You must know the receiver’s bank routing number and account numbers to use this payment method.

2. Send to Email or Mobile Phone Number

  • This payment method allows the receiver to decide how to receive the money. The receiver will receive an email or text message with instructions for how to claim the payment.
  • The payment will not be debited from your funding account until the payment is claimed.
  • Once the payment is claimed it will be credited to the receiver’s account within 1-3 business days.
  • If the payment remains unclaimed for 10 days, it will expire and can no longer be claimed by the receiver.

3. Send Money using Paypal

  • If the sender knows the email address associated with the receiver’s PayPal account, the money can be deposited instantly into the receiver’s PayPal account.
  • A PayPal payment cannot be cancelled by the sender after it is submitted. In the event the sender chooses this option and the recipient does not have a PayPal account, PayPal will offer instructions to the recipient on how to create an account.
  • In accordance with Federal regulations, if the payment is more than $15.00, then PayPal validates that email address or phone number used is associated or registered to an account outside the United States and does not allow the payment if the email address or phone number is associated or registered outside the United States.
  • The funds are real-time debited from the sender’s account at the time payment is initiated.

Payment Edits or Cancellations

Payments that are deposited to a bank account or sent using PayPal begin processing immediately when you submit the payment and cannot be edited or cancelled. When making a payment by email or mobile phone number, the payment may be cancelled if the recipient has not claimed or picked up the payment yet.

Payment Limits

Payments made through this Payment Service are subject to the following limits:

Payment Limits
Payment Type Information Needed Transaction Limit Daily Limit for All Payment Types Debit to your account
Account to account transfer Receiver's bank routing/account number $1,000.00 $2,500.00 Real time, when payment is authorized
Paypal Receiver's email address or mobile number $1,000.00 $2,500.00 Real time, when payment is authorized
Recipient Chooses Receiver's email address or mobile number $1,000.00 $2,500.00 When receiver claims the payment

Cutoff Time

The payments can be initiated 24 hours a day, 7 days a week. The cut off time for this service is 8:00 PM EST. Payments sent on non-processing days, such as weekends or Federal Holidays will be processed on the next business day.

The Bank is not responsible for payment delays due to recipient not claiming funds or entering wrong account information when claiming a payment.


We do not currently charge a fee for this Service. Please click here to view the full Alma People Pay Agreement.

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