FAQS | Banterra Bank

Answers To Your Questions About Banterra

We’re happy to answer any questions you have about the products and services we offer at Banterra. To assist you, we’ve compiled a list of the most common questions we get from our customers. If you don’t see your question, don’t worry! You can contact our team directly to get the answers you need.

Bill Pay

What is the cut-off time for Bill Pay?

The cut-off time for Bill Pay payments is 3:00 PM CST. Bill Pay payments cannot be edited or cancelled after 3:00 PM CST.

What is the Bill Pay Customer Support number?

The Bill Pay Customer Support number is 844-250-5063. There is also a live chat option available on the "Move Money" screen. Bill Pay Customer Support is available from 7:00 AM - 1:00 AM CST.

How long does it take for a Bill Pay payment to be delivered?

Electronic payments take 1-2 business days. The payee will receive the payment and money will be debited from your account on the deliver by date. Check payments take 5-7 business days to deliver. The payment will not be debited from your account until the payee has cashed the check. The payee should receive the check on the deliver by date.

How long is Bill Pay history available behind Digital Banking?

Bill Pay history is available for 18 months.

What are the limits for Bill Pay?

Bill Pay company limits are $9,999 per payment and $20,000 per day. Individual limits are $1,000 per payment and $2,000 per day. Email limits are $1,000 per payment and $1,000 per day.

Can Bill Pay limits be increased?

Yes, Bill Pay individual and email limits can be increased by submitting a Bill Pay Limit Increase Form and with approval from your branch. To submit this form, go to "Messages" > "Choose a form to submit" > Select "Bill Pay Limit Increase Form". Please allow 1-2 business days for processing.

Can you request to add an additional funding account to pay bills from?

Yes, if you wish to add an additional funding account to pay bills from you can go to "Manage Profile" > Under "Bill Pay Profile", select "Pay From Accounts". Please allow 1-2 business days for processing.

Can stop payments be applied to Bill Pay items?

Stop Payments cannot be applied to Bill Pay payments sent electronically, however they can be applied to Bill Pay payments sent by check.

If you are issued a new account number for one of your payees, can you update the accounts number instead of deleting the payee?

You can update account numbers without deleting the payee. To do this, you will need to click on the payee and click the pencil icon next to the account number.

Can you edit a recurring payment?

You can edit your recurring payments by selecting the payment under "Scheduled Payments" and selecting the pencil icon in the upper right hand corner.

Can you stop recurring payments?

There are two ways you can stop recurring payments. You can delete the payee and by doing this, all payments will be stopped. You may also select the payment under "Schedule Payments" > select the pencil icon > select an end date for the payments.

Can Restart accounts have access to Bill Pay?

Restart customers cannot have access to Bill Pay until they have graduated out of the Restart accounts.

Cash Management

What services are provided in Cash Management?

24/7 access to account activity and statements, internal transfers, balance alerts, stop payments, ACH origination, wire transfers, ACH & Check Positive Pay, and multi-user functionality.

How do I register for Cash Management?

Cash Management services are provided through the Treasury Management Department. Please contact a Treasury Management Specialist at 866-226-8377 ext. 38400 to learn more.

Can I set up more than one user for my business?

Yes! Cash Management allows the administrative user to set up multiple users with their own specific permissions. The administrative user has full control of the users they setup.

I have multiple businesses; can I see them under one login?

Yes! If there is a common signer authorized on each business resolution, multiple businesses can be accessed under one login.

How can I add or delete an account or set up transfers from one account to another?

Contact the Treasury Management Department or let your branch know at the time the account is opened that the account needs to be accessed in Cash Management.

When are transactions posted to my account?

Transactions made online before 7:00 p.m. CT Monday through Friday (excluding holidays) are posted to that day’s activity. All transactions after 7:00 p.m. CT will be posted on the next business day.

Can I make a loan payment?

Yes. Once logged into Cash Management, go to the ‘Transfer Center’ and choose ‘Initiate Transfer’.

Can I access my statements online?

Yes. To view your online statements at any time, log into Cash Management, select ‘Other Services’ and click ‘eStatements’.

Can I export my Online Banking transactions?

Yes. You may export using QuickBooks or Quicken formats, Comma Separated (.csv), and BAI File (user software required).

Can I set up account alerts?

Yes. You can set up balance alerts. You will need to select your User ID and click 'Alerts'.

Is there fee for Cash Management?

Please contact a Treasury Management Specialist at 866-226-8377 ext. 38400 to find out how you can get a free analysis of your business and what fees might apply.

ChecXchange

How does checXchange™ collect my returned items?

We will process all returned checks we receive directly from your bank. We then submit your deposits for you through the ACH network. Any returned items will be handled by the automatic returns handling module of checXchange™.

Is checXchange™ automated returns handling more effective?

Yes. Our statistics show some merchant’s recovery rates increase as much as 60%, resulting in an overall recovery rate of 70% to 75% for NSF checks.

How will checXchange™ notify me that a check has been returned?

The status of any transaction in our system can be followed through our internet based 24/7 realtime reporting system. This includes images of original deposited items and returned items.

When and how does checXchange™ provide reimbursement?

checXchange™ will reimburse your funds immediately, upon settlement. Your funds are electronically (ACH) credited to your bank.

How much does checXchange™ cost?

checXchange™ is a no-cost service. Our program works conveniently and quickly for you and your customers.

Then how does checXchange™ make money?

The cost of collection is paid by the check writer from state-authorized collection fees.

Why should I use checXchange™?

You eliminate your traditional bad item collection techniques, and get 100% of your money back from the bad checks we collect. checXchange™ strategically chooses when the check writer’s account is debited. This alone can result in a substantial increase in recovery rates.

Will checXchange™ save me money?

Definitely! Everything is automatic so there are no re-deposit fees charged to you for resubmitting checks automatically. There are no bank return fees on NSF checks that come back a second time.

What other businesses use checXchange™?

Many leading companies are utilizing this service including major utilities, restaurant chains, hospitality chains, retails stores, and several other large corporations that accept checks.

What must a merchant do to inform customers?

Merchants must notify customers that their returned checks may be collected automatically. This notice can be at the point-of-sale, or on a monthly billing statement. checXchange™ supplies all of our customers with a point-of-sale decal that covers this necessary verbiage.

How do I contact checXchange™?

You can e-mail us at support@checXchange.com or you can call us at 800-208-2964.

Debit Cards

What are my dollar limits per day with my debit card?

You may withdraw up to $1,000 cash from an ATM per day by using your four-digit PIN number. You may buy goods and services up to $2,500 per day. Restart accountholders may withdraw up to $300 cash from an ATM per day. Restart accountholders may buy goods and services up to $750 per day.

Note: All limits are subject to the Available Balance you have in your account at the time of purchase.

What does it mean to use my card as a credit instead of a debit?

Many customers are confused when we indicate you can use your card as a credit in thinking that this means you have a credit card. This is not the case. If you use your card as a credit your purchase amount is still withdrawn from your checking account.

Why would I want to run my card as a credit vs debit?

The card limit available by selecting credit is your available balance up to $2,500 per day.

When can I expect my card and PIN to arrive in the mail? May I choose my own PIN?

Please allow seven to ten days for your card and PIN to arrive in the mail. A random PIN will be assigned and is mailed two days after the card. Cards and PINs are mailed separately and in plain envelopes for security purposes.

May I choose my own PIN?

Yes. You can change your PIN on an existing card, new card and replacement card through Banterra's Digital Banking, at our ATM/ITMs or at a Banterra branch using our PIN pad. If you do not know your current PIN you will need to visit your local branch. To change your PIN on a new card (within 30 days of being created), you may also call 1-877-965-3344.

How do I activate my card?

Simply call the number located on the sticker attached to your card. Once activated, remove the sticker and sign your card. If you utilize Banterra's convenient Digital Banking services you can activate your card on your desktop or mobile device.

How soon after I use my card will the charge come out of my account?

How soon you can use your card depends on the merchant and their processor. Some transactions may be deducted from your account the same day while others could take up to three days or longer before the transaction is completed. Pending transactions indicate that your charge is in the process of being completed but has not been finalized yet. A “Hold” in the amount of your purchase will be placed on your account to ensure the funds will be available when your charge has been completed. This hold could be on your account for up to three business days. Larger holds may apply to car rental deposits and lodging reservations.

Is there a charge for using my debit card?

Please refer to your Banterra Bank Visa® Debit Card Agreement and your Checking Account Disclosure for more information and an explanation of foreign ATM fees.

How long will I be able to use my debit card before it expires?

Debit cards expire every two years.

What if I do not use my debit card?

Debit cards that are inactive for one year are not reissued.

How soon can I expect to get a new card before my current card expires?

Reissued cards are ordered six to eight weeks prior to your existing card expiring. If you have not received a new card within two weeks prior to the expiration date, please contact your local branch or call 866-BANTERRA (226-8377), option 4.

How many of my accounts can I access with my debit card?

You may have one primary checking account. You may also have a secondary checking and savings accounts attached to your debit card for ATM withdrawal or transfer purposes only.

I am planning to travel; should I notify Banterra that may normal spending habits may change?

Please notify us at least one day prior to your departure by calling: 866-BANTERRA (226-8377), option 4. Our fraud monitoring systems may block usage of your debit card when transactions outside your normal spending habits are identified unless we are notified before you leave.

What if my debit card has been lost or stolen?

Please contact Banterra Bank: 866-BANTERRA (226-8377), option 4. Refer to your Banterra Bank Visa® Debit Card Agreement for more information.

Digital Wallet

Android Pay FAQs

How do I add my Banterra Visa® Debit Card or Banterra Visa® Credit Card for easy shopping?

Add your card(s) to Android Pay by opening the app on your eligible device (if not available on your phone, download the app from GooglePlay).

At the bottom right, tap +.
Tap add a credit or debit card.
Use the camera to capture your card info or enter it yourself.
If you asked to verify your card, choose a verification method from the list.
Find and enter the verification code.

Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after. If you have set up alerts, you will see the test. This is done to ensure the card is open and activated. The transaction might show from Visa® or Google.

What devices is Android Pay available on?

Android Pay is available on all non-rooted Android devices (KitKat 4.4+).

How do I pay using Android Pay?

At checkout, wake up your phone and hold it to the terminal.

Your phone will beep or vibrate, and you will receive a confirmation on screen.
To complete the transaction, you may need to sign a receipt or enter your PIN as usual.
It’s accepted wherever you see these symbols: (Insert Android Pay logo)

Is Android Pay secure?

When you use your phone to pay in stores, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead, they use a virtual account number to represent your account information so your card details stay safe and secure.

Does Banterra protect my virtual cards?

Customers will not be liable for any unauthorized transactions using your lost, stolen or compromised card unless you have been negligent or have engaged in fraud. All merchants and processors who handle card data and personal information have a responsibility to protect a customer's data.

What if my device is lost or stolen?

If your phone is ever lost or stolen, you can use Android Device Manager to instantly lock it from anywhere, secure it with a new password, or wipe it clean of personal data. You can also turn your Banterra Visa® Debit Card on or off with the touch of a button through Banterra’s Digital Banking (online or mobile).

What if I have a problem activating my Banterra Visa® Debit Card or Banterra Visa® Credit Card?

If you are not automatically activated, please contact Banterra’s Card Services Department at 866-BANTERRA (226-8377), option 3, weekdays from 8 a.m. to 5 p.m. CST. After Card Services verifies your accounts, they will be able to assist in completing your activation.

Reasons your card may not be automatically activated:

There are no recent transactions on your card.
Your card is new and has not been used yet.

Apple Pay FAQs

How do I add my Banterra Visa® Debit Card or Banterra Visa® Credit Card easy shopping?

Open the Wallet app

Tap the plus sign in the upper right corner or “Add Credit or Debit Card.”
Use your camera to snap a photo of your card or enter the card information manually.
If you're asked to add the card that you use with iTunes, just enter its security code.
Tap Next to continue, and answer additional security questions (if required).

What devices is Apple Pay available on?

iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE

How do I pay using Apple Pay?

To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see done and a checkmark on the display.

To switch cards on your iPhone, hold your device near the reader without resting your finger on Touch ID.
When your default card appears, tap it, then tap the one that you want to use.
Rest your finger on Touch ID to pay.
If you need to choose Credit or Debit on the terminal, choose Credit.
If you need to provide the last four digits of your card, use the Device Account Number (DAN).
To find the DAN, open Wallet and tap your card, then tap to see the Device Account Number.
You might need to sign a receipt or enter your PIN.

Is Apple Pay secure?

Yes; Instead of transmitting a credit card number to an NFC terminal or an app, Apple Pay transmits a Device Account Number (DAN) and a temporary token that verifies the transaction. The retailer never receives the card number, and the verification token can theoretically be used only once. Your phone never stores a credit card number, instead storing the DAN issued by the bank or credit card provider once it approves the card for Apple Pay use.

Does Banterra protect my virtual cards?

What if my device is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. These features help prevent other people from using Apple Pay on your iPhone.

You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay.
Your cards will be suspended or removed from Apple Pay even if your device is offline (not connected to a cell or Wi-Fi network).
You can also turn your Banterra Visa® Debit Card on or off with the touch of a button through Banterra’s Digital Banking (online or mobile).

What if I have a problem activating my Banterra Visa® Debit Card or Banterra Visa® Credit Card?

Reasons your card may not be automatically activated:

There are no recent transactions on your card.
Your card is new and has not been used yet.

Samsung Pay FAQs

How do I add my Banterra Visa^® Debit Card or Banterra Visa® Credit Card for easy shopping?

Add your card(s) to Samsung Pay by opening the app on your eligible device (if not available on your phone, download the app from GooglePlay).

Navigate to and touch add; add a credit card or debit card.
Use your device camera to take a photo of the card, or enter the card data manually.
Review the Terms of Service and agree to all.
To authenticate your identity, touch the desired verification method. Enter the OTP (One-Time Password). Then, touch submit.
Enter your signature. Then, touch save.
To complete the process, touch done.

What devices is Samsung Pay available on?

Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy S6 edge, Galaxy S6 active, and Galaxy S6.

How do I pay using Samsung Pay?

From the lock screen, swipe up from the small Samsung Pay bar just above the home button to access your stored card(s) and swipe to the desired card.

To verify your identity, place your finger on the home button.
To use your Samsung Pay PIN, touch PIN. Then, enter your four-digit PIN.
To make the payment, place the back of your device on the payment terminal.
If necessary, complete the transaction on the payment terminal.
Once the payment is made you will get an Android notification that confirms the merchant name and the amount of your purchase. This information is also documented in the Samsung Pay app.

Is Samsung Pay secure?

Samsung Pay does not store the account or credit card numbers of cards on the device, instead using tokenization for transactions. Each time a purchase is made, the Samsung Pay handset sends two pieces of data to the payment terminal. The first is a 16-digit token that represents the credit or debit card number, while the second piece is a one-time code or cryptogram that's generated by the phone's encryption key.

Does Banterra protect my virtual cards?

What if my device is lost or stolen?

Payments can't be made from your phone without being authorized via fingerprint or the PIN chosen during the setup process. If you register with Samsung's Find My Mobile service you can remotely erase information on the phone, including any cards stored in Samsung Pay.

What if I have a problem activating my Banterra Visa® Debit Card or Banterra Visa® Credit Card?

If you are not automatically activated, please contact Banterra’s Card Services Department at 866-BANTERRA (226-8377), option 3, and weekdays from 8 a.m. to 5 p.m. CST. After Card Services verifies your accounts, they will be able to assist in completing your activation.

Reasons your card may not be automatically activated:

There are no recent transactions on your card.
Your card is new and has not been used yet.

ITM

What types of transactions can I complete?

You will be able to complete:

Deposits - both cash and check
Check cashing
PIN change
Denomination selection
Withdrawals and Transfers
View and print mini statements

What bill denominations are available?

1s, 5s, 20s and 100s are available.

Can I choose my bill denominations?

Yes, simply click “Choose Your Bills” to select your denominations.

Will the ITM dispense coin?

A few of our ITMs will dispense coin when you cash a check. If you visit one of Banterra's ITMs that does not dispense coin, the change portion will be deposited to your account and the bills dispensed to you.

Are ITM transactions secure?

Yes, your ITM transaction is just as secure as if you were completing the transaction in one of our branches.

Can I still use my debit card to withdraw cash?

Yes, once your card is inserted into the card reader simply select “Get Cash.”

How do I change my PIN at the ITM?

Once your card is inserted into the card reader, select “Change PIN" and simply follow the on-screen instructions providing your current PIN and the new PIN.

Mobile App

Does the app cost anything?

There are no charges associated with downloading the app.

Which smartphones work with the app?

It's compatible with Apple and Google devices.

Where can I download the app?

You can get the app by clicking download by the appropriate device above, or by searching for Banterra in your App Store or Google Play Store.

Do I have to be enrolled in Banterra Bank online banking first?

You do not need to be enrolled in online banking. Click the “New User? Enroll Now” button at the top of the app home screen to enroll. Once you enroll, you will automatically have access to online banking (through Banterra.com).

What do I need to do once I download the mobile app?

You simply click on “New User? Enroll Now.” button once the app is downloaded and complete the new user form and submit (allow two business days for processing). You’ll receive an email invitation to complete the process. Create a username and password to login to the app. If you are already enrolled, simply login with your current username and password.

Do I have to release any personal account information?

You're not required to enter any account or routing numbers to set up the app. You are only required to release personal information when enrolling for the app.

Is Mobile Banking safe?

Yes; Banterra is committed to protecting our customer’s information and Mobile Banking is protected with state-of-the-art security technology. In addition to secured registration, log-in procedures and other security measures, no identifiable personal information is ever sent to or stored on your device.

Is this app equipped with push notifications?

You can turn on available push notifications if you like.

Once I download the app, will it require regular maintenance?

You will only need to update the app if there is a new version available.

How do I change my password?

Customers simply change their password by logging into Online Banking or the app and going to “Manage Profile” and selecting “Security”, then the “Change Password” option. Customers may also change their password by selecting the “Forgot Password” link on the main screen or customers can call 866-BANTERRA (226-8377) to change their password.

Is my account information only updated once a day?

Your account information is refreshed via real-time updating.

Mobile Check Deposit

Is there a fee to use Mobile Check Deposit?

Mobile Check Deposit is a free service for our customers.

What is the cut off time for making deposits thru Mobile Check Deposit?

Deposits received before 4:00 pm Central Time on Monday-Friday (excluding bank holidays) will be considered as deposited on that day. After 4:00 pm deposits will be on the following business day.

When will my funds be available for checks I deposit thru Mobile Check Deposit?

Funds are generally available the next business day after the day of deposit. See applicable cut off times, stated above.

Is there an endorsement requirement for checks I deposit thru Mobile Check Deposit?

Checks need to be endorsed with, “For Mobile Deposit Only“ and your signature.

Is there a dollar amount limit of checks I deposit thru Mobile Check Deposit?

No, there is no dollar limit of checks you deposit. There is a total daily deposit limit of $5,000. If you want to deposit more than $5,000 per day, you need to contact the bank to request your limit to be increased.

What do I do with the paper check after I’ve deposited it thru Mobile Check Deposit?

Once the check has been accepted for Mobile Check Deposit, keep the paper check in a safe place for at least 14 days. After this time, after you have confirmed the funds are deposited, you can shred the check or mark it as VOID.

How will I know if my check/deposit is accepted thru Mobile Check Deposit?

An on-screen deposit confirmation is available on the “History - Previous Deposits” screen viewable within the App. Successfully submitted deposits to the bank will be listed as “Submitted;” accepted and processed deposits will be listed as “Approved;” and not accepted deposits will be listed as “Rejected”. Also, system generated email notices are sent to notify you of when deposits are received (submitted to bank), accepted (processed and approved) and not accepted (processed and rejected).

What types of checks are not accepted for Mobile Check Deposit?

Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into; person or entity other than you.
Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
Checks payable jointly, unless deposited into an account in the name of all payees.
Checks previously converted to a substitute check, as defined in Reg. CC.
Checks drawn on a financial institution located outside the United States or not payable in United States currency.
Checks that are remotely created checks, as defined in Reg. CC.
Checks not payable in United States currency.
Checks dated more than six months prior to the date of deposit.
Checks or items prohibited by Banterra’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Banterra account.
Checks payable on sight or payable through Drafts, as defined in Reg. CC.
Checks with any endorsement on the back other than that specified in this agreement.
Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution
Travelers Checks

Why would my deposit reject thru Mobile Check Deposit?

See examples below:

Check is over the daily deposit limit (Customer may contact us for an increase of limit; requires approval).
MICR line is blank or already encoded on check.
Invalid routing number.
Missing or improper endorsement.
Duplicates (check previously deposited).
Image quality (dark, angle, size, front & back images are same, etc.).
Dollar amount entered does not match check amount.

What type of accounts are deposits accepted for thru Mobile Check Deposit?

Deposits will be accepted for checking, savings or money market accounts.

Online Banking

How do I register for Online Banking?

Enroll simply by clicking here. If for any reason the self-enrollment is unsuccessful, click here to submit a short request form. Please allow two business days for processing.

Is there a fee for Online Banking?

No, Online Banking is free.

What if my password doesn't work?

Call Customer Care toll-free at 866-BANTERRA (226-8377), option 2. You may also click the Forgot Password? link in the Online Banking Login box located on our home page.

How can I add or delete an account or setup transfers from one account to another?

Once logged into your Online Banking click Messages from the main menu, then choose a form to submit. Select the Add-Delete-Transfer Account form and complete the appropriate sections, then submit.

When are transactions posted to my account?

Can I make a loan payment?

Yes. Once logged into your Online Banking, click the loan you wish to make a payment to, then Submit Payment under Account Services.

Can I access Online Statements?

Yes, for your convenience, you will automatically receive online statements when you are enrolled in online banking. To view your online statement at any time, log into your Online Banking and click Documents from the main menu, then Statements.

Can I export my Online Banking transactions?

Yes. You may export using Quickbooks, Quicken, Comma Separated (.csv), PDF Document (.pdf), Word Document (.doc) and BAI2 File (user software required).

Can I set up alerts?

Yes. Once logged into your Online Banking click Manage Alerts from the main menu. You may set up custom (i.e. high/low balance, check cleared, deposit, login, etc.) and security alerts (i.e. email or password change, failed login, etc.).

Person-To-Person Payments

What information do you need to set up a payee for Person-To-Person transfers?

An email or text message may be used to send the recipient a secure link to enter in their card information. This link expires after three days. If the user knows the recipient’s card information, the user may enter in the required card information when setting up the recipient as a payee.

What type of transfers are not allowed using the Person-To-Person transfer service?

Payments (transfers) may not be used to send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law.

What balance does the Person-To-Person transfer service use for funding the transfer?

The Person-To-Person transfer service uses the available balance in the funding account.

What is the cut-off time for Person-To-Person transfers?

Transaction cut-off time for transfers is 3:00 p.m. CST. Transactions submitted after this time will be processed the next business day. NOTE: Transfers are memo posted upon submission for funds availability, but processing for hard posting is processed the next business day.

When does the setup link expire for Person-To-Person transfers?

The link expires after three days.

If the recipient does not act on the email or phone invite, is the transfer held (debit) and in a pending status within the customer’s scheduled transfer section and is a hold placed on the customer’s account for the total of the pending transfer?

Yes, a debit hold is placed on the customer's account while waiting on the recipient to accept the invite. Once the recipient responds to the invite, the hold is then released to the customer’s account.

Can a Person-To-Person transfer be scheduled to be sent for a later date?

A Person-To-Person transfer may not be scheduled to be sent for a later date.

Can a Person-To-Person transfer be stopped once it has been sent?

Person-To-Person transfers may not be stopped or deleted.

Can a Person-To-Person transfer be made from a savings account?

Due to Reg D limits, savings accounts may not be enabled for the Person-To-Person transfer service.