Popmoney® Person-to-Person Payments Frequently Asked Questions (FAQs)

Frequently Asked Questions During Registration

1. What is Popmoney?
Popmoney is an innovative payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Best of all, you don’t need a new account to send or receive money. Just use your current bank account.

Learn more about how Popmoney works by watching this video.

2. How does Popmoney work?

Sending Money

  1. Sign in to Personal Online Banking.
  2. Click on the Payments tab. If you have not used Bill Pay before, you will need to enroll. If you do not want to enroll in Bill Pay or are under the age of 18, follow the “Non-Bell State Bank & Trust Customers” instructions to receive money.
  3. Click on Popmoney.
  4. Start sending money for FREE from your bank account to anyone you owe or know. All you need is their cell phone number, email address or account information.

Hint: It’s a good idea to notify the recipient that you have sent them a payment using Popmoney.

Receiving Money

Bell State Bank & Trust Customers

  1. You will receive a Popmoney message through email or text letting you know that you have money waiting for you.
  2. Sign in to Personal Online Banking.
  3. Click on the Payments tab. If you have not used Bill Pay before, you will need to enroll. If you do not want to enroll in Bill Pay or are under the age of 18, follow the “Non-Bell State Bank & Trust Customers” instructions to receive money.
  4. Click on Popmoney.
  5. Click on Overview within the Popmoney window. This window will show any incoming payments you have. If you do not see your incoming payment, click on Preferences and verify your email address or mobile number that was used to send you the money.

Non-Bell State Bank & Trust Customers

  1. You will receive a Popmoney message through email or text, letting you know you have money waiting for you.
  2. Sign in to www.popmoney.com.
  3. Follow the easy instructions to receive your money.
  4. Popmoney will send you a confirmation letting you know when the money will be deposited into your account.

Hint: If you need help with Popmoney.com, please contact Popmoney’s customer service at 877-675-6378.

3. Will my bank account information be shared with the recipient?
No, your bank account information will not be shared with the recipient. Your recipient will see your first name, last name and the message you wrote. If you sent the payment to your contact’s email address, your recipient will also see your email address. Similarly, you won’t be able to see your recipient’s bank account information.

4. Why do I need to verify my email address and phone number?
Verification of your mobile number and email address is required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

Frequently Asked Questions when Sending Money

1. What are the different ways I can send money to someone?

You can send money to someone using his/her:
A. Email address: Your contact will receive an email with instructions on how to direct the payment into his or her bank account.
B. Mobile number: Your contact will receive a text message with instructions on how to direct the payment into his or her bank account.
C. Bank account information (routing and account number): The money will be directly deposited into your contact’s bank account. You will also have the option to send the contact an email.

2. What are the fees associated with the service?

If you are a Bell State Bank & Trust customer, it is free to send, receive or request money using Popmoney. If you’re a non-Bell State Bank & Trust customer, receiving money is also free, but there may be a fee to send money.

3. Why am I asked to enter a message to the contact?
A personal message gives the contact the confidence that they are receiving the payment from someone they know. It is also an opportunity for you to communicate the purpose of the payment to the contact.

Hint: If you are sending money to someone for the first time, it is a good idea to personally notify the recipient that you have sent them a payment using Popmoney.

4. Can I cancel a payment?
Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.

Frequently Asked Questions for Receiving Money

1. Why don’t I see a payment that I’m expecting?
If you are expecting a payment and you do not see it in your Incoming Payments, this is most likely because you have not added the mobile number or email address to which the payment was sent. Have you added this mobile number or email address? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the payment immediately.

2. When will the funds be available in my account after I deposit the payment?
Click Activity to view the estimated date when the funds will be available.

3. What is Automatic Deposit?
Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which all incoming payments will be automatically deposited. Once automatic deposit is turned on, there’s nothing more for you to do – you will be notified of incoming payments via email or text message, and the payment will be sent into your selected account. You can edit Automatic Deposit settings in Preferences.

4. What happens when a payment someone sent me expires?
You have 10 days from the send date to deposit the payment. When a payment expires, the funds are returned to the sender. Please contact your sender to request another payment if you still wish to receive the funds.

Frequently Asked Questions when Requesting Money

1. What are the different ways I can request money from someone?
You can send money to someone using their:

Email address: Your contact will receive an email with instructions on how to pay the request.

Mobile phone number: A text message will be sent to the recipient on your behalf with instructions on how to pay the request.

2. When will I receive the funds?
3 business days after the recipient of the request makes a payment. The money will be deposited to the account you selected when sending the request.

3. Why do I have limits on my requests?
For your protection, limits have been created on how many requests and value of requests can be sent during various time periods. Please click the Icon next to the Amounts field to view your available limits.

4. Can I request money from multiple contacts at a time?
Yes. You can request money from multiple contacts by entering their phone numbers or email address in the “From” field. You can also request or specify different amounts from different people in the same request.

5. Why am I asked to enter a message to the contact?
A personal message gives the contact the confidence that he/she is receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to the contact.

6. Can I cancel a request?
Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.

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