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The easy way to pay the people in your life.

Why carry cash when you can PeoplePay?

PeoplePay is C&N's person-to-person payment feature that allows you to send money to your family and friends anywhere straight from your C&N Online Banking or Mobile App.  There is no need to download a separate app and it's free* to use!

What are person-to-person payments?

Person-to-person payments like those made through PeoplePay are a digital cash alternative that make sending and receiving money as easy as emailing and texting. Whether it’s paying allowance, splitting the check, or sending a birthday gift, person-to-person payments allows you to quickly transfer money from your existing debit account to almost anybody else’s.


You initiate a payment from any device. Your recipient receives funds securely and almost immediately.


No registration or setup required—the feature is ready to use in online, mobile and tablet.


Every transaction requires your debit card PIN using a PIN pad scrambler, making it as safe as any debit transaction.

How to use PeoplePay

  1. Log in to your C&N Online Banking or Mobile App
  2. From the Menu, go to Payments & Transfers > PeoplePay in your Online or Mobile Banking application
  3. Enter your name, email address and debit card
  4. Enter recipient name and email address or cell phone number. You can also click on the contact icon to bring up your cell phone contacts from your mobile device.
  5. Enter your existing debit card PIN

C&N highly recommends paying only people you know and trust.**
Start using person-to-person payments today for all of your payment needs. If you have any questions about person-to-person payments or how they work, contact your branch representative today.

PeoplePay FAQs

You can quickly send funds to another individual simply by logging in to your Online Banking or Mobile App and registering your debit card! When you are ready to send money, click on the transactions menu and select PeoplePay, you will then enter your recipient’s name and email address or cell phone number that can receive texts and the dollar amount to be sent. The recipient will receive a notification with a link which will prompt them to enter their debit card information to receive the funds.  The system will verify if the receiver is able to collect the funds through their debit card or if it will need to be collected using their bank routing and account numbers.

Your recipient should receive the funds within just a few minutes of them filling out their information.

In order for the recipient to receive funds via their debit card, their financial institution must use one of the participating debit card networks (Star, NYCE, Pulse, Shazam, CU24, Xcel)

They will receive a direct deposit to their account in about 1-2 business days.

Yes. We take information safety very seriously. We highly recommend that you pay only people you know and trust.**  Your recipient will be directed to a site that is secured using the proper safety protocols.

$1,500 per transaction/day.  This amount counts against the daily Point of Sale withdrawal limit.

The recipient must collect their funds within 10 days.  If the recipient hasn't collected their funds in that timeframe, the funds will be deposited back to your account and you will receive a notification of a returned payment.

No, the recipient only receives an email/text notification that you are sending them funds.

 No, PeoplePay is strictly for C&N consumer debit cardholders.

Yes, the PeoplePay system uses a secure PIN pad scramble, which mixes the numbers up on the PIN pad each time you are entering a digit of your PIN.

A member of our Client Contact Center can cancel the payment for you. Please contact us at 1-877-838-2517 for assistance.

PeoplePay does save the recipients contact information.  However, the recipient will need to enter their debit card information each time you send them funds.

* You may be charged access rates depending on your mobile phone carrier. Check with your service provider for details.
** C&N will not be held responsible or make refunds for payments made for the exchange of goods or services that are unlawful or not delivered as expected. Only use PeoplePay with people you know and trust.

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