With Pay a Person you can:
- Send funds to anyone, anywhere, regardless of where they bank
- Choose whether the funds come from your checking or savings accounts
- Make real-time transfers and schedule single or recurring transfers for a future date
- Eliminate the need for third-party P2P apps or paper checks
- Receive confirmation when payments are complete
What can you use Pay a Person for? Almost anything!
- Pay the babysitter
- Pay or split the rent, utilities, or groceries
- Contribute to a group gift, or send your own
- Split the check at dinner
- Share the cost of a rental property for a group vacation
- And so much more!
Sending money with Pay a Person is easy
- Recipients don't have to have a MAX account
- All they need is a bank account and an email or mobile phone number
- Payments are secure
- You'll give your recipient a one-time passphrase for your first transfer
- Your recipient can choose what speed they'll receive their funds — real-time or 1-2 business days via ACH
Get Started
Frequently Asked Questions (FAQs)
Pay a Person is a free service that allows you to pay almost anyone in the United States with a bank account. All you need is their email address or mobile phone number to get started.
No! They just need to have a U.S. bank account and an email address or mobile phone number.
Will I be charged any fees for using this service?
No, there are no fees associated with Pay a Person. MAX also does not charge the recipient.
Your personal information will never be shared with the recipient. The recipient will only have access to the following information: (1) your name, and (2) the amount of funds you have sent to them. The first time you send someone to a new contact, you will secure your payment with a security question that prompts an answer only the recipient will know.
When using Pay a Person, you will set up a security question and answer for your recipient to answer the first time you complete a transaction together. The answer to the security question is space sensitive. For example, if you write "NewYork" without spaces and the recipient writes "New York" with spaces, the security question would be invalid. A limited number of attempts are available before the transaction is cancelled automatically—so be sure to communicate directly with your intended recipient.
Yes, you can set up a one time or recurring transfer. Recurring transfers can be set to send daily, weekly, monthly, and more!
The recipient has 10 calendar days to accept the payment before it is canceled and you will need to set up another payment to the recipient.
The recipient can choose to have the funds delivered in one of three ways:
- In real-time by depositing directly into a MAX account using the FI Direct option (if recipient is a MAX member)
- Via banking account and routing number
- In real-time using a debit card
Once your payment has been sent, the recipient will receive either an email or text message with instructions on how to accept the money. If the recipient chooses to enter their bank account and routing numbers to receive the payment, they will be paid within two business days. If the recipient chooses a real-time payment, they will enter their debit card information.
If the recipient has not yet claimed their funds, you have the option to edit or delete a pending payment. Payments cannot be cancelled once the recipient has claimed their funds. It is important to review the information you are entering for accuracy before proceeding with sending funds.
Which MAX accounts can be used for Pay a Person?
Checking and Share (Savings) accounts can be accessed to transfer money.
How does the recipient change the payment delivery method to receive their funds?
When you send a payment to someone for the first time, the recipient will choose whether they want to receive their payment via Debit Card or Bank Account. This will become the default for future payments. The next time you send this recipient a payment, an option will appear that says “Change Delivery Method,” when they click the link to receive their funds. At that point, they can select either “Debit Card” or “Bank Account” and change their delivery method for future payments.
While MAX is under no obligation to cancel the transfer or to reimburse funds that were transferred according to your instruction, if you suspect that an unauthorized transaction occurred, MAX will gather as many details as possible surrounding the transaction so that we may investigate. If this occurs, reach out to a representative by calling 800-776-6776 (toll-free) or 334-260-2600 (local).