money "there to here" or "here to there"!
The telegraph replaced the Pony Express – InterBank
Transfer replaces writing and running checks from bank to bank to move funds
where you need them. Even send money directly to a family member’s account!
Enrollment is simple:
Complete and submit an online
ebankCBT enrollment form
You’ll be notified InterBank Transfer access has
You’ll choose your outside transfer accounts and
confirm a successful test transfer
From then on, you’re in full control
Incoming and outgoing transfers only cost $1.50 per transfer.
InterBank Transfer Service Agreement
Frequently Asked Questions-
Can I make a
transfer immediately (after enrollment)?
Before you may schedule your first transfer, the IBT system will send a
small deposit on your behalf to the receiving bank account which you must
verify before regular transfers can be initiated.
To verify the amount, log into your external account, note the trial
transfer amount, then log into your ebank account and enter the amount in
the Enrolled Accounts tab within InterBank Transfers. Once you have done so,
the account will display a “Verified” status and you may then schedule
How long do I have
to verify my account?
You have five calendar days after you first enroll your external account to
look for the test deposit and enter it into the IBT system to confirm the
enrollment. If you are unable to verify within five days, simply re-enroll
your account to restart the process.
How soon after my
transfer is initiated will funds post to my account?
If the transfer request is completed before 3:30
p.m. Central Time on a business day, the funds should post the next business
day. For transfers created after 3:30 p.m., look for the funds to arrive in
two business days. (Please note that for incoming transfers up to $300, the
funds are available on that business day. For all incoming transfers
over $300, the full amount will be held and be available two business days
May I schedule
transfers to happen automatically or future date a transfer?
You may schedule recurring transfers or single transfers with a future date.
These transfers will count toward your daily limits on the day the transfer
is scheduled to occur. If you schedule a future outgoing transfer and
available funds on that date are less than the transfer amount requested,
the transfer will be rejected and you will need to resubmit if for that
NOTE: If you schedule an incoming transfer for which the amount exceeds the
available balance in the external account, that financial institution may
charge you fees related to insufficient funds.
Are there any
limitations on the number of external accounts I may enroll or transfers?
At this time there is no limit on the number of external accounts you may
enroll. You have a daily transfer limit of up to 5 incoming and 5 outgoing
transfers each, with a daily total of $5,000 for incoming transfers and
$5,000 for outgoing transfers.
Be aware than any transfers from a Savings or Money Market account
within online banking count toward the limit of six per month or statement
cycle. Exceeding that limit requires us to charge you for each transaction
beyond the limit. If you exceed the limit regularly, regulations require us
to close the account or convert it to a regular checking account.
Is it possible to
receive a different daily limit?
If you need to transfer larger amounts, plan to use Wire Transfer
services. Ask your regular banking center for assistance with a wire
allowed to enroll in InterBank Transfer?
The service is limited to consumers. Businesses may access ACH services
for similar transfers. Contact your banking center and ask for a Treasury
Specialist to guide your enrollment for ACH service.