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First National Bank of Elmer

FedNow® & RTP®

Receive Instant Payments with FedNow® and Real-Time Payments (RTP®)!

A new way to receive instant payments 24/7

With the FedNow® Service, our customers receive payments instantly, any time of day, any day of the year.

Avoid Overdrafts

Ensure payments will be received by due dates with instant and faster transactions.

Manage Your Cash

Both FedNow®and RTP® provide you with immediate access to your funds.

Secure Your Funds

FedNow® has fraud management capabilities and security features to help protect against threats.

Any Questions?

How Can I use FedNow® or RTP®?

Common uses include direct deposit of paychecks, transfers from other participating financial institutions, and moving money between digital wallets.

Can I send payments from my account?

The First National Bank of Elmer is currently not sending payments using FedNow®/RTP®. You can only have money deposited at this time, and the payment must be sent from a financial institution that also participates in this program.

What’s the difference between FedNow® and RTP®?

FedNow® is operated by the Federal Reserve. The Real-Time Payments (RTP®) network is operated by The Clearing House. Both networks allow financial institutions to move money instantly between businesses and individuals.

* We can accept Real Time Payments and FedNow® Payments to your checking, savings, and Money Market accounts. However, such payments cannot be applied to The First National Bank of Elmer loan products. Transmission of funds through Real-Time Payments (RTP®) and FedNow® are only available between accounts located in the US. This applies even if you are receiving a payment on behalf of another person. All persons who send, receive, or benefit from an RTP®or FedNow® transaction must also reside in the US. Transfers of money you receive through RTP® or FedNow® will generally be available immediately upon receipt of the funds, 24 hours a day, 7 days a week.

Although The First National Bank of Elmer does not charge fees to receive, the sending bank could charge the sender a fee.