What is Instant Pay?
Our 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 enabled for Instant Pay.
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 Star One payment systems for years—for your everyday money-transfer services via Instant Pay, bill pay, direct deposit, wire transfers and ACH (Automated Clearing House) transfers.
Information sent to other financial institutions with these payment systems passes 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 a secure 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 Star One payment systems for years—for your everyday money-transfer services via Instant Pay, bill pay, direct deposit, wire transfers and ACH (Automated Clearing House) transfers. Information sent to other financial institutions with these payment systems passes through an encrypted, tokenized, and secured electronic process—only the account number, dollar amount, and an optional memo field are shared.
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.
Instant Pay in Online Banking
Instant Pay in Mobile Banking
