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July 24, 2026

How to Send a Person-to-Person (P2P) Payment in Bill Pay

Need to send money to someone? With person-to-person (P2P) payments in Bill Pay, you can send money directly to another person. Depending on the payment method you choose, payments typically arrive within 1–2 business days after the payee setup is complete.

  1. Log in to Grow Online or Mobile Banking.
  2. Select Transfers & Pay, then Bill Pay.
  3. Select Add New Payee and choose Person (desktop) or Personal (mobile).
  4. Enter the payee’s name, choose a payment method (Check, Electronic, SMS or Email) and select the funding account.

If you choose SMS or Email, your recipient will securely provide their own account information using a Shared Secret (keyword). That means you never need to collect or store their account and routing numbers.

  1. Enter the recipient’s phone number or email address and create a Shared Secret (keyword).
  2. Tell your recipient the keyword.
  3. Your recipient will receive a secure link to enter the keyword and provide their account information. You won’t see or have access to their account details.
  4. Wait until the payee setup is complete before scheduling your first payment. Once the setup is complete, your payment will typically be delivered within 1–2 business days.

If you choose Check or Electronic in step 4, you’ll need to know the recipient’s mailing address (Check) or account and routing number (Electronic). Enter the requested information to finish setting up the payee, and then you can schedule your payment.

*Additional data charges may apply. Please see your wireless carrier for more information.


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