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Pay the rent, the babysitter, or split check between friends — all with a few clicks of a mouse!

With uTransfer, you can send or receive money anywhere at any time. No need to hassle with carrying around checks or cash. All you need is an Xceed account and the other person's email address or mobile phone number.

Nothing could be simpler, or safer.

Xceed's uTransfer ensures that your personal information is kept private and secure – only you see your account information. And, unlike cash, you can keep track of your uTransfer transactions on Xceed Online, just like online bill pay.

Ready to get started? Log in to Xceed Online today and open an account in less than 10 minutes!

uTransfer allows you to move money between your accounts at other financial institutions, plus you can send to virtually anyone, anywhere or have someone send you money, all without carrying cash or writing checks. To start the process, you'll need to register your accounts. There is typically a turnaround time of 3 to 5 days to transfer from your Xceed account to your accounts at other financial institutions. For person-to-person payments, the process could take longer depending on how quickly it takes the other person to respond to the verification request.

To ensure your identity and ownership of your accounts, a small trial deposit is made followed by a small trial withdrawal. The transaction is only a few pennies and the withdrawal is never larger than the deposit. These transactions are usually posted within 2 business days of uTransfer account registration. Once completed, you can return to the "manage accounts" page and click "activate" on "uTransfer". You will then be asked to verify the transaction amounts and if the values match, your uTransfer account will be activated.

Account – to – Account (A2A) Money Transfer
Money can be transferred between your Xceed accounts and accounts at other financial institutions. To originate a funds transfer between your accounts, select the account you want to transfer money from (originating account), and select the account you want to send money to (destination account) from your approved account list. Then, select the amount you wish to transfer and schedule the transfer date to send the funds. uTransfer will send you a confirmation message and provide you the status of the transfer.

Person to Person (P2P) Money Payment
With P2P transfers, you can send and receive money from your friends, family, and co-workers. To start a P2P transfer, select the originating account and then choose the person you want to send money to – it's that easy! You can identify the recipient by entering his or her name, email address, or mobile phone number. After selecting the recipient, transfer amount, and transfer date, the system will issue a confirmation message and give you the status of your transfer. The system will send an email or SMS message to the recipient, letting them know of incoming money transfer and asking them to specify which account they want to use to receive the deposit.

Plus, your friends can also pay you with P2P. Just log in to Xceed Online, click the Transfers tab, click "uTransfer", select the amount you wish to receive, and choose the account and the person who will send you the payment (defined by name, email address or mobile phone number). Then select the amount you wish to receive. The system will send an email or SMS message to the payer to inform them of the payment request.

Transactions History
You'll have the ability to view the transaction history of each transfer request, categorized as completed transactions, scheduled transactions, and transactions in progress.