Can I transfer funds to another Citadel member in Online and Mobile Banking?

Yes, you can easily transfer funds to any Citadel member. There’s no fee to use this service, and you can do it right from your desktop or in the mobile app. If you’re not already signed up, you will need to enroll in Online & Mobile Banking.

If you have the recipient’s information, skip to the instructions for transfer.

Before Making a Transfer

The recipient does not need to be enrolled in Online & Mobile Banking to receive the transfer, but you will need some information from them to send it. There are two options: using account information or using a Member to Member (M2M) code. The recipient will need to be enrolled in Online & Mobile Banking to create an M2M code.

Transfer using an account number

The receiving member does not need to be enrolled in Online & Mobile Banking, but you will need to be enrolled to send the funds. You will need the following from the other member to transfer the funds:

• The recipient’s member account number with account suffix (e.g. 1234567-S000)
• The type of account (checking, savings, loan, etc.)
• The member’s last name or full business name

Transfer using a Member to Member (M2M) code

Both you and the receiving member will need to be enrolled in Online & Mobile banking to create and use the M2M codes for transfers. Instead of using account numbers and names, simply enter the code created by the receiving member and transfer the funds.

Please note that only Citadel members can create and use M2M codes. Codes cannot be used with external accounts.

To create an M2M code, follow these steps.

💻 On desktop

1. Select Make a Transfer from the top menu, then Member to Member Accounts
2. Select Create Code, then Accept & Continue
3. Select the account you want to create a code for and enter the code. M2M Codes must be 6-24 characters in length and must contain only letters and numbers
4. Select Create Code
5. Once an account has been added you can transfer to them through the normal transfer functionality

📱 On mobile

1. Select Transfer from the bottom menu
2. Tap the three dots ⋮ on the upper right, then Add Member Account
3. Select Create Code, then Accept & Continue
4. Select the account you want to create a code for and enter the code. M2M Codes must be 6-24 characters in length and must contain only letters and numbers
5. Select Create Code
6. Once an account has been added, you can transfer to them through the normal transfer functionality

You can also review and delete existing codes and the accounts they are connected to. If you need to modify a code, you'll need to delete the existing one and create a new one.

How to Make a Transfer

Watch this video on How to Transfer Money To Other Citadel Members, or follow these steps:

1. Log in to Online & Mobile Banking
2. Select Make a Transfer from the top menu on desktop or Transfer from the bottom menu on mobile
3. Enter the recipient’s account information or Member to Member (M2M) code, and set an account nickname if you wish. Note: You may have to verify the activity as a security confirmation
4. Enter the account you want to send from and the amount you want to send, and the date. You can also set up recurring transfers
5. Confirm your transfer and you’re all set!

Visit Online & Mobile Banking for more information.