To use this feature, you must first set up an external account (the account that will receive money you transfer) using the Transfer Money tab in Bill Pay. Setting up your external account is a one-time process. Once your external account has been verified, you can transfer money to and from your West Bank account with a few clicks. The one-time process to set up your external account is a three step verification process. During the verification process two small trial deposits will be made to your external account. You are then required to verify the amount of the test deposits to complete the external account set up.

1. To set up your external account, go to Bill Pay in Online Banking. Next, go to Transfer Money and then Add an Account. Enter required Account information for the external account.
2. Wait at least two business days before continuing on to the next step.
3. Log in to online banking for your external account and locate the two trial deposits.
4. Return to Bill Pay in West Bank Online Banking. Go to Transfer Money again and enter the amount of the trial deposits to verify the accounts.

For step-by-step instructions to set up an External Account, watch the Bank-to-Bank Transfer Tutorial Video.

There is a $2.00 per transaction fee to transfer money from your West Bank account. There is no fee to transfer money into your West Bank account.

No, Bank to Bank transfers through Bill Pay are available with financial institutions residing in the United States only. International transfers are not permitted.

Transfers are typically deposited in your To account on the transfer date. Transfers may be delayed three to five business days depending on the transfer amount or the selected From account. The calendar will show the earliest available date you can make a transfer.

Your transfer limits are shown in the Make a Transfer section next to the amount you want to transfer. Your transfer limits are determined based on information that we received from the consumer credit reporting agency that verified your information when you enrolled. If you try to transfer an amount that is higher than your limit, you will receive a message about you how much money you can transfer.

The calendar shows the earliest available date you can make a transfer. The Transfer Date is the date that the money is withdrawn from the From account. Transfers are typically deposited in your To account on the transfer date. Transfers may be delayed three business days depending on the transfer amount or five business days depending on the selected From account. Your transfer limits are determined based on information that we received from the consumer credit reporting agency that verified your information when you enrolled.

The automatic transfer of a specified amount of money from one account to another based on a schedule that you set up. For example, you may want to set up a repeating transfer schedule to automatically transfer $500 from your money market account to a checking account at the end of each month.

Quick Facts About Repeating Transfer Schedules
You need to make three decisions that determine the frequency and duration of the transfers:

• When do you want to schedule the first transfer?
• How often do you want to transfer the money?
• When do you want to stop scheduling the transfers?

When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.

For step-by-step instructions to set up an External Account, watch the Bank-to-Bank Transfer Tutorial Video.