Planters Pay FAQs
Planters Bank customers can now send money to friends, family, and almost anyone in the U.S., even if they bank somewhere else. All you need is their email address or mobile number.
Getting started
6 questions
What is Planters Pay?
Planters Pay is a fast, easy way for Planters Bank customers to send money to people they know, right from online and mobile banking. All you need is the person’s email address or mobile number.
Who can use Planters Pay?
Planters Pay is available to personal (consumer) checking account holders who use Planters Bank online or mobile banking and have an active Planters Bank debit card tied to the account they want to send from. It is not available for business accounts.
Does it cost anything?
No. Planters Pay is a complimentary service and there are no fees to send money.
Do I need to download a new app?
No. Planters Pay is built into the Planters Bank online and mobile banking you already use. There is no new app or password.
How do I find Planters Pay?
Log in to online or mobile banking and go to Transactions, then Planters Pay.
I just got a new debit card. Why can’t I see it in Planters Pay?
New cards appear in Planters Pay the day after they’re issued, once overnight processing is complete. Please try again tomorrow.
Sending money
11 questions
Who can I send money to?
Almost anyone in the U.S. with an email address or mobile number. The person you’re paying doesn’t need a Planters Bank account. Only send money to people you know and trust.
What do I need to send money?
The person’s email address or mobile number and the amount. In the mobile app, you can enter an email address or mobile number or choose someone from your contacts. On a computer, you’ll enter their email address.
How fast does the money arrive?
It depends on where the person banks:
| If the person banks with... | The money arrives... |
|---|---|
| Planters Bank, with a debit card | Instantly |
| A bank in the Neural Payments network | Within seconds |
| Any other bank | They choose debit card or bank account. Bank account deposits can take 1 to 3 business days. FedNow & RTP are instant. |
What does the person I’m paying need to do?
If they bank with Planters Bank, nothing. The money goes straight to them. If they bank somewhere else, they may get an email or text with a secure link. They follow the link and choose whether to receive the money to their debit card or their bank account.
What if they don’t accept the money?
They have 48 hours to accept. If they don’t, the money is returned to your account. If we emailed them, they’ll get a reminder after 24 hours.
How much can I send?
The minimum is $5.
New users are limited to $250 in total transfers for the first 5 days after enrollment.
After you’ve been enrolled more than 5 days, the following limits apply:
| Amount | Number of payments | |
|---|---|---|
| Per day | $1,500 | 5 |
| Per week | $10,500 | 25 |
| Per month | $45,000 | 100 |
Is there a daily cutoff time?
Payments sent after 10:00 p.m. CST are processed the next business day.
Can I set up recurring payments?
Yes. On the Planters Pay screen, tap the clock icon next to the Transfer Funds button to schedule a payment that repeats, like rent or an allowance.
Can I add a note to my payment?
Yes. You can add a memo to any payment.
I have more than one debit card. Which account will the money come from?
Planters Pay uses your first debit card on file. To change it, tap the gear icon at the top of the Planters Pay screen and follow the steps.
Where can I see my payments?
Use Transfer History to see money you’ve sent and received and Scheduled Payments to see upcoming and recurring payments.
Receiving money
4 questions
Can I choose where money sent to me is deposited?
Yes. In Planters Pay Settings, you can choose your default receiving account for each email address or mobile number you use.
Can someone at another bank send me money through Planters Pay?
Only if the other bank is a member of the Neural Payments Network.
Does Planters Pay work with Zelle, Venmo, or Cash App?
No. Planters Pay is a separate service and doesn’t connect to those apps.
Why does Planters Bank need my email and mobile number on file?
Keeping your contact information up to date helps your payments move faster. Update it anytime in online banking or at any Planters Bank location.
Safety and security
5 questions
Can I cancel a payment?
Only while it’s still pending. Once the payment is complete, it can’t be canceled.
Can I dispute a Planters Pay payment?
Planters Pay payments can’t be canceled once sent, so only pay people you know and trust. If you see a payment you didn’t authorize, contact us right away. You may be able to dispute it.
Always double-check the name, email address or mobile number, and amount before you hit send.
I sent money to the wrong person. What should I do?
If the payment is still pending, cancel it right away. If it’s already complete, contact the person and ask them to refund the funds. You can also call us on 662-884-1199. However, Planters Pay transactions are irrevocable. Once the payment is entered into Planters Pay, you must confirm before you send it.
Is Planters Pay secure?
Planters Pay is built into your secure Planters Bank online and mobile banking.
Why was my Planters Pay access suspended?
Planters Pay is provided through our partner, Neural Payments, which may suspend access if the service is misused. Planters Bank cannot restore access that Neural Payments has suspended.
Protect yourself from scams
Scammers often pressure people into sending money fast. Before you send:
- Only send money to people you know and trust.
- Never send money to someone who contacts you out of the blue, even if they say they’re from Planters Bank, a utility, a government agency, or a company you know.
- Planters Bank will never call, text, or email asking you to send money to anyone, including yourself.
- Not sure? Don’t send. Call us first.
If you think you’ve been scammed, call us right away at 662-884-1199.