Instant Payments through FedNow and RTP®

Introduction

Want the fastest transfers to your Visions account? Use instant payments.

The quickest way to move money from one financial institution to another is instant payments. If you’re moving funds to a Visions account, that means using either the FedNow Service or the Real-Time Payments (RTP®) Network.

  • FedNow
    This new instant payments infrastructure was developed by the Federal Reserve to provide safe and efficient instant payment services to financial institutions of all sizes across the US. FedNow instant payments have a domestic transfer limit of $500,000.00 per transaction.
     
  • Real-Time Payments (RTP®)
    Provided by The Clearing House (TCH), the RTP® Network instant payments service offers real-time funds availability to recipients, typically funded within seconds. These transfers have a limit of 1,000,000.00 per transaction.

To send funds to your Visions account, all you’ll need is your account number and Visions routing number (221375378). 

Individual accounts and business accounts at Visions can receive instant payments through both networks, available 24/7/365 for participating financial institutions. Contact your other financial institution(s) to ask if they send funds through either FedNow or RTP®. Note: Visions does not initiate or send instant payments through FedNow or RTP®. We participate as a receive-only financial institution.

FedNow and Real-Time Payments FAQ