What is Instant Pay?
Our new Instant Pay service allows members to send payments up to $5,000* or receive any amount in just seconds.
Transfer money anytime—even on weekends
Access Instant Pay in Star One's Online or Mobile Banking under the Transfers & Pay option.
Send funds 24/7 to anyone with an account at a financial institution participating in the FedNow℠ service.
No enrollment necessary—simply add a new recipient along with their account number and routing number.
The Instant Pay logo will appear next to their name in your recipient list if their financial institution is enabled for Instant Pay.
Privacy and security
You have relied with confidence on the security of Federal Reserve payment systems for years—for many of your everyday Star One transactions, such as bill pay, direct deposit, wire transfers and ACH (Automated Clearing House) transfers.
We continue our commitment to the highest level of security and privacy by using the Federal Reserve's payment platform to handle your Instant Pay transfers.
Similar to other Federal Reserve payment services, information is sent to other financial institutions through an encrypted, tokenized, and secured electronic process—only the account number, dollar amount, and an optional memo field are shared.
* Restrictions may apply, see terms and conditions.
Instant Pay Demo
View our interactive demo and see how easy it is!
Instant Pay FAQs
Q. What is Instant Pay?
A. Instant Pay is a real-time payment service which uses the Federal Reserve payment platform to transfer and settle funds in seconds.
Q. How secure is Instant Pay?
A. You have relied with confidence on the security of the Federal Reserve payment systems for years—for many of your everyday Star One transactions, such as bill pay, direct deposit, wire transfers and other electronic transfers. We continue our commitment to the highest level of security and privacy by using the Federal Reserve’s payment platform to handle your Instant Pay transfers. Similar to other Federal Reserve payment services, information is sent to other financial institutions through an encrypted, tokenized, and secured electronic process—only the account number, dollar amount, and an optional memo field are transmitted.
Q. What information does Star One provide when using the Instant Pay service?
A. No personal information is shared using the Instant Pay service - only the account number, dollar amount, and optional memo field are transmitted.
Q. Is there a list of financial institutions that participate in Instant Pay?
A. No list is available. You may add a new recipient under the ‘Manage Recipient’ option, and the Instant Pay logo will appear if the recipient’s financial institution is enabled for Instant Pay.
Q. Are all participating Instant Pay financial institutions able to send and receive funds?
A. Not all Instant Pay participants are able to both send and receive funds. Your recipient would need to check with their financial institution about the availability of their financial institution’s service.
Q. Do all financial institutions participate in the Instant Pay service?
A. Not all financial institutions currently participate in the Instant Pay service. Within your recipient list, the Instant Pay logo will indicate whether or not your recipient’s financial institution is Instant Pay enabled.
Q. Why does the online and mobile banking transfer module look different?
A. Based on member feedback, we’ve optimized and streamlined the transfer module to make it easier to transfer funds and pay bills.
Q. How do I access Instant Pay?
A. You may access the Instant Pay service through Star One’s online banking and mobile banking service under the Transfers & Pay option.
Q. Who can I pay with Instant Pay?
A. You can pay anyone who has an account with a U.S. Financial Institution that participates in the Instant Pay Service.
Q. Do I have to enroll in the Instant Pay service?
A. No, you do not have to enroll in Instant Pay. Simply add a new recipient along with the account and routing number of a participating financial institution.
Q. If I do NOT want to use Instant Pay, what do I do?
A. Instant Pay is an optional service that you may choose not to use. There is no ability to permanently turn off this service.
Q. Will I receive confirmation if my Instant Pay transfer was approved, declined, or under review?
A. Yes, you will receive transaction confirmations by email, text message, and in-app push notification.
Q. How do I know if I can send funds instantly to a person in my recipient list?
A. The Instant Pay logo will reflect next to the recipient’s account information in your recipient list.
Q. How do I add a new recipient?
A. View our interactive demos and learn how to add a new recipient:
Q. Where can a member see all their Instant Pay transactions?
A. Posted transactions will be available on the account history in online and mobile banking.
Q. Can an Instant Pay transaction be canceled?
A. No. Once funds are sent via Instant Pay, you are not able to cancel the transaction.
Q. How do I dispute a transaction or report fraud?
A. When disputing a transaction, please complete the Instant Pay Dispute form and attach the completed document to a secured message within your online banking access or visit a local branch. In the event of fraud, please complete the Instant Pay Dispute form and contact Star One at 408-543-5202 (M-F 7 am to 7 pm and Sat-Sun 9am to 5pm).
Q. How will I know who sent me funds through Instant Pay?
A. The name of the sender will display as a part of the transaction description in your account history. Additionally, you will receive notifications through text message, email, and in-app push notification when funds are received by an Instant Pay participant.
Q. Will Zelle, Same Day Transfer, and other current money movement services still be available?
A. Yes, all current money movement services are still available.
Q. What information do I need to provide to receive a payment through Instant Pay?
A. To receive an Instant Pay payment, provide the sender with Star One’s routing number (321177968) and your 14-digit account number.
Q. How long does it take to send and receive funds through Instant Pay?
A. Transactions sent and received via Instant Pay will be processed within 25 seconds.
Q. Is there a cut off time when I am not able to send funds via Instant Pay?
A. Instant Pay will be available 24x7 which includes weekends and holidays.
Q. Am I able to send funds internationally with Instant Pay?
A. At this time, Instant Pay is available for domestic (within the U.S.) transfers only.
Q. What is the minimum or maximum I can send through Instant Pay?
A. The minimum amount to send funds through Instant Pay is $0.01. The maximum amount you can send is $5,000.
Q. Why is my limit $500?
A. Your limit to send to a newly added recipient will temporarily be restricted to $500.
Q. Will Star One consider increasing the $5,000 daily limit?
A. Currently, the daily limit is set at $5,000.
Q. Does Instant Pay have weekly/monthly limits or maximum number of transaction limits?
A. No. The only limit set is a daily limit of $5,000.
Instant Pay in Online Banking
Instant Pay in Mobile Banking
