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How to Set Up Person-to-Person Payments

Before You Begin

In addition to being an Online Banking customer, you must be an activated Bill Pay User.

To activate Bill Pay, follow these quick steps:

  1. Log in to Online Banking.
  2. Click on the Bill Pay tab.
  3. Review the Terms and Conditions and when ready check the box next to ‘Yes, I accept the terms and conditions’ and click Submit.

You are now ready to set up a payment to a company, person, bank, or credit union.

Step 1

Login in to Online Banking.

Step 2

Click on the Bill Pay tab.

Step 3

Click on the Payees tab.

Step 4

Click on the '+ Payee' button.

Step 5

Click Pay a person and the method by which you would like to send the payment—the default method of payment is Email (Electronic). Click Next.

Step 6

Enter in the required fields regarding the payee and click Next.

Step 7

Choose a keyword. The keyword is a single word known only to you and your email payee. It can be anything you choose. We strongly encourage you to share your keyword via telephone, rather than an unsecured email, with your email payee. Click Next.

Step 8

The next screen will prompt you to choose a Delivery method for activation code. Make your selection and click Next.

Step 9

Once you receive the code from the selected delivery method in Step 8, enter it in the field provided. Click Next.

Step 10

The payee must then respond to an activation email before the first payment will process. By clicking the email link, your payee will be asked to submit the Security Keyword, Bank Routing Number, and Account number on our secure site.

Successful completion of this one-time-activation will enable subsequent payments to process. You may make subsequent payments to this payee from your Mobile Banking App or Online Bill Pay. To add a new payee,  please follow the same steps as outlined above.

Payment received by 2:00 PM will be processed by the next business day. Please allow 2 to 3 business days for the payment to be credited to the recipient's account, depending on the other financial institution's processing. Email payees will have 7 days to accept the payment. Payments left after 7 days will no longer be available to the payee. For daily limits for Person-to-Person Payment, please talk with your banker.

We're Here to Help

For questions or additional support, please contact our Customer Service Solution Center today at 866-770-3100.

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Copyright © 2021 Town and Country Bank All Rights Reserved. An Illinois State chartered banking organization. | Please note that Investments are not a deposit, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

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Town and Country Bank is regulated by the Federal Reserve Bank of Chicago. For accolades or complaints, please contact us by sending a letter to: Customer Relations Office, 3601 Wabash Ave., Springfield, Illinois 62711. If there is no sensitive customer information, such as social security or account numbers, you can send feedback to the following email address: customerrelations@townandcountrybank.com

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