P2P is a convenient way to send money
using your mobile banking app or online banking account.
Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, P2P is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is the recipient’s email address or U.S. mobile phone number.
Mobilize your money
with tcbmobile.
SEND
fast in just a
few steps.
REQUEST
roommates, friends
and more, regardless
of where they bank2.
SPLIT
check for dinner,
coffee and more.
Frequently Asked Questions
WHAT IS P2P?
P2P is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
WHO CAN I SEND MONEY TO WITH P2P?
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.
HOW DO I USE P2P?
You can send, request, or receive money with P2P.
- To get started, log into The Citizens Bank’s online banking or mobile app, navigate to Bill Pay and select “Send Money with P2P”. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with P2P.
- To send money using P2P, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
- To request money using P2P, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.
- To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with P2P.
SOMEONE SENT ME MONEY WITH P2P, HOW DO I RECEIVE IT?
If you have already enrolled with P2P, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.
If you have not yet enrolled with P2P, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select The Citizens Bank.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with P2Pusing that email address or U.S. mobile number where you received the notification to ensure you receive your money.
WHAT TYPES OF PAYMENTS CAN I MAKE WITH P2P?
P2P is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, P2P should only be used to send money to friends, family and others you trust.
The Citizens Bank does nor offer a protection program for any authorized payments made with P2P– for example, if you do not receive the item you paid for or the item is not as described or as you expected.
HOW DO I GET STARTED?
It’s easy — P2P is already available within The Citizens Bank’s mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with P2P today.
WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE FINANCIAL INSTITUTION DOESN’T OFFER P2P?
To enroll with the P2p app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). P2P does not accept debit cards associated with international deposit accounts or any credit cards.
HOW DOES P2P WORK?
When you enroll with P@P through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with P2p (no sensitive account details are shared – those stay with The Citizens Bank).
When someone sends money to your enrolled email address or U.S. mobile number, P2P looks up the email address or mobile number in its “directory” and notifies The Citizens Bank of the incoming payment. The Citizens Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
CAN I USE P2P INTERNATIONALLY?
In order to use P2P, the sender and recipient’s bank accounts must be based in the U.S.
CAN I CANCEL A PAYMENT?
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with P2P. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”
If the person you sent money to has already enrolled with P2P, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call customer services at 800-780-4808 so we can help you.
Scheduled and recurring payments are features provided by The Citizens Bank in our online banking and mobile banking app and are not features of P2P. Please contact customer services with any questions concerning scheduling or recurring payments.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH P2P?
Money sent with P2P is typically available to an enrolled recipient within minutes1.
If you send money to someone who isn’t enrolled with P2P, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with P2P and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact customer services at 800-780-4808.
WILL THE PERSON I SEND MONEY TO BE NOTIFIED?
Yes! They will receive a notification via email or text message.
IS MY INFORMATION SECURE?
Keeping your money and information safe is a top priority for The Citizens Bank. When you use P2P within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
I’M UNSURE ABOUT USING P2P TO PAY SOMEONE I DON’T KNOW. WHAT SHOULD I DO?
If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use P2P for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). The Citizens Bank does not offer a protection program for any authorized payments made with P2P– for example, if you do not receive the item you paid for or the item is not as described or as you expected.
WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?
Your email address or U.S. mobile phone number may already be enrolled with another bank or credit union. Call our customer support team (800-780-4808) and ask them to move your email address or U.S. mobile phone number to The Citizens Bank.
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1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with P2P.
2 Must have a bank account in the U.S. to use P2P.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with P2P.
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