1. Steps and tips to schedule an External Transfer:
EXTERNAL TRANSFERS
Steps and tips to schedule an External Transfer:
Enter the amount. The minimum is $10. View maximum limits via the blue info icon. Limits often differ for Standard vs Express transfers.
Select a From account. If the desired account is not in the dropdown, click the “Add a New Account” link.
Select a To account. If the desired account is not in the dropdown, click the “Add a New Account” link. Note: an account at the host financial institution must be either the From or the To account.
Enter the Send On date.
Click Make Recurring, if desired.
Select Frequency and Duration for recurring transfer.
For Delivery Speed, select either Standard or Express delivery. If not displayed, Standard is the speed (Express is not always an option).
Note the fee that displays. The blue info icon gives details on fees, funds availability, and cutoff times (see next page).
Optionally, enter a memo, which displays on the Activity screen within External Transfers.
Click Continue.
Remaining screen flow: verify details, enter PIN if required, and done!
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2. FINER POINTS OF SCHEDULING A TRANSFER
EXTERNAL TRANSFERS
Standard speed:
Available for all transfers.
If a Standard transfer is sent on Monday, the funds are withdrawn from the “From” account on Tuesday and deposited into the “To” Account by Thursday.
The debit is sent out first; if returned, the credit is not released.
Express speed:
Available only if the accounts qualify for express transfers. Express won’t show if the accounts don’t qualify.
If an Express transfer is sent on Monday, the funds are withdrawn from the “From” account and deposited in the “To” account on Tuesday.
Fiserv initiates the debit and credit simultaneously.
FINER POINTS OF SCHEDULING A TRANSFER
Fees are set by the financial institution.
Cutoff time for standard transfers is 10pm Pacific Time and set by Fiserv.
Cutoff time for next day transfers is set by your financial institution.
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3. Manage transfers on the Activity screen.
EXTERNAL TRANSFERS
MANAGING TRANSFERS
Manage transfers on the Activity screen.
Up to 180 days of history plus one week into the future is the default date range. Extend the future date up to one year in advance.
The consumer can edit or cancel transfers in a pending status. All other transfers are available on a view-only basis.
If the transfer is In Process, the financial institution can cancel it in Compass.
For recurring transfers, you can edit or cancel the next pending transfer, or the entire recurring set of transfers.
Certain fields are not editable. The user should delete the transfer and create a new one if they want to change a non-editable field.
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