Transfer funds to anyone

Now you can transfer funds to anyone, regardless of where they bank, with Send Money, a new feature of Mountain America’s Online and Mobile Banking. It’s a fast and easy way to send money to friends, family and businesses, and it doesn’t require cash, checks or wire transfers.

All you need is the recipient’s mobile phone number or email address, and we will instantly send the requested amount to their PayPal account. Recipients without a PayPal account will be guided to easily create one and receive the money.

 

Limitless Possibilities

You can use Send Money–Powered by PayPal for almost anything, including:

  • Splitting a dinner check
  • Sending money to family overseas
  • Paying a babysitter or daycare provider
  • Sending money to kids at college
  • Paying a handyman
  • Lending money to a family member
  • Sending cash gifts to friends and family
 

How it Works

To use Send Money–Powered by PayPal, simply log in to Online Branch or the Mountain America mobile app, select the Send Money tab and follow these steps:

  1. Provide the payment amount, recipient’s name and email address or phone number.
  2. Money is taken from the sender’s bank account and is sent to the recipient’s PayPal account.
  3. The recipient can spend money from the PayPal account or transfer the money to their bank account.
 

Use Send Money today in Online Branch or the mobile app. Download the Mountain America mobile app today and simplify your financial management.


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FAQs

See what others have asked about sending money from one account to another.

How does Send Money - Powered by PayPal work?
It’s simple. Log in to your Mountain America account from your computer or mobile device. Provide the payment amount along with the recipient’s name and email address or mobile phone number. Money is taken from your Mountain America account. PayPal notifies the recipient that the money is ready. To access the money, the recipient signs in to their PayPal account. Recipients without PayPal accounts can quickly sign up for one to receive their money.
 

Do I need a PayPal account to send money with Mountain America?
No, you don’t need a PayPal account to send money.
 

Does the person I’m sending money to need to have a Mountain America account?
No, the person receiving money doesn’t need to be a member of Mountain America. However, the recipient will need a PayPal account (or must sign up for a PayPal account if one does not exist) to access the money.
 

Does the person I’m sending money to need a PayPal account?
You can send money to almost anyone anywhere around the globe, anytime – even to someone without a PayPal account. However, to access the money, the recipient must have a PayPal account. When PayPal notifies the recipient that money has been sent, simple instructions on how to open a PayPal account are also included. That way the recipient can quickly open an account if one does not already exist.
 

How do recipients actually get the money?
PayPal account holders receive money directly into their PayPal accounts. If recipients do not have a PayPal account, they simply open a PayPal account and link it with an email address or mobile phone number. Then, when recipients log in to PayPal, they can spend the money online at any merchant that accepts PayPal, transfer the money to an account at another financial institution or request a check (fee applies for check requests).
 

Can anyone use Send Money from Mountain America?
You must have a Mountain America account to send money with this service.

 

Will recipients be able to see my Mountain America account information?
No, recipients only see that you have sent money to them. Your financial information is secure. PayPal uses the highest levels of data encryption available and meets or exceeds all Payment Card Industry compliance standards for data protection.
 

What happens if I send money, but the recipient doesn’t get it?
If the email address or mobile phone number entered for the recipient is registered to a PayPal account, the funds will be transferred immediately. You are responsible for entering the correct email address or mobile phone number for the recipient. If you type in an incorrect email address or mobile phone number, the payment can be canceled as long as the payment has not been claimed on the PayPal system. Once the payment is claimed, it cannot be canceled.
 

How long does it take the recipient to get the money?
Recipients are notified right away that they’ve received money. The funds transfer quickly to the recipient’s PayPal account. Recipients without PayPal accounts are prompted to set one up. Once the account setup is complete, the funds will appear. Then the recipient can transfer the funds to an account at another financial institution. While funds are transferred right away, it can take up to three business days for the funds to post to the recipient’s other account.
 

How much does it cost to use Send Money with Mountain America?
It costs nothing to send money with Mountain America. The amount you send is debited from your Mountain America account. If you send money to family or friends, they don’t pay anything to accept the money. If you send money to a small business for goods or services, PayPal charges the business a fee to accept the money.
 

What happens to unclaimed payments?
If the recipient’s email address or mobile phone number is not associated with a PayPal account and the recipient does not link it to an existing PayPal account or open a new PayPal account within 30 days, PayPal will return the unclaimed payment to Mountain America. Mountain America will process a payment return and return the money to your account.

 

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