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Move Money

Pay Your Friends, Relatives, and Vendors – Without the Hassles!

ACB Digital Banking makes it easy to move your funds – to your own accounts or to those you owe.  No stamps, no checks, and no trips to the post office.

ACB P2P is a great way to pay someone who has an account with a debit card attached.  This secure method of payment keeps all financial information where it should be – in the hands of the owner.

Like its name, ACB Bill Pay is great for paying your bills.  Your financial information stays secure and you can schedule your bills in advance!  ACB Bill Pay can also be used to pay individuals.

ACB External Transfer was created for transfers between accounts that you own at ACB and accounts that you own at other financial institutions.  This service is by special arrangement only.

Person 2 Person (P2P)

Pay a friend or vendor quickly, easily, and with no need to touch checks, plastic, or even cash!

With P2P, paying someone with a debit card is as easy as knowing their phone number or email address.

  • Log in to ACB digital banking.
  • Access Pay, Transfer, & Receive on the left-hand blue menu.
  • Click Move Money.
  • Click New Transaction (Green Bar).
  • Click the account you’d like to pay from.
  • Click +Add New Payee.
  • Click Person to Person.
  • Follow the prompts.

Your friend will receive a text message or email asking for their debit card number and expiration date.  (The transaction is automated, this information is never shared with you or anyone else.)

You are able to set a payment up immediately; however, there may be a delay with the first payment while your friend or vendor responds to the request for information.  Subsequent transactions to that friend will be quick.

To make the payment:

  • Navigate back to the Move Money screen (Digital Banking, blue left-hand side menu, Pay, Transfer, & Receive).
  • Click New Transaction and choose the account the money will come from.
  • Choose the person you’d like to pay from the list of recipients.
  • Complete the form.
  • Submit.

Your friend will get a text or email informing them of your immediate payment.

See?  Quick, easy, and simple.  Just the way you like your banking!

NEW!  INCLUDE AN EMOJI in the NOTE section of your P2P message.

Bill Pay

You’ll Be Amazed at How Convenient ACB Bill Pay Can Be

Have you heard of the touch-it-once theory of keeping your things organized?  When your bills come in, enter them into your ACB Bill Pay, set the date the payment should occur, and you’re done.  No need to touch the invoice or email again and there’s no charge for ACB Bill Pay with a minimum of one bill paid per month.

Here’s how to use your ACB Bill Pay:

  • Login to ACB Digital Banking.
  • In the blue left-hand menu, click Pay, Transfer, & Receive.
  • Click Move Money.
  • Click New Transaction (Green bar).
  • Choose the account from which the bill will be paid.
  • Choose a recipient from the list of payees.  OR Click +Add New Payee.
  • If you’ve added a new payee, choose Bill Pay and complete the Add New Payee form.  Click Add Payee.
  • Complete the Details form.
  • Review the details and click Submit.

Expert User Tip:  Mark your most-used payees as favorites to save searching through a long list of payees.  

External Transfer

ACB External Transfer can be used only between your checking or savings account at ACB and checking or savings accounts that are owned by you at another financial institution.  This special transfer mechanism can be utilized by bank permission only.  Contact your banker via Digital Banking Messages (Blue left-side menu, Connect with Us, Messages & Forms, New Request), email us at,  or phone us at 844-401-7711.

Initial setup of each unique External Transfer bank account recipient can take up to 5 business days.  Subsequent External Transfers to a previously setup bank account recipient are quicker and are subject to:

  • A 3pm daily cutoff for an External Transfer that will be sent the following business day.
  • Daily limit of $5,000.  (Larger amounts may be allowed with bank permission.)
  • More details can be found in the External Transfer Disclosure, which is available upon approval of ACB External Transfers or upon request.