Steps for Making Scheduled Transfers and Payments in Online Banking

Create recurring transfers between your Sierra Pacific Credit Union Accounts, external accounts, and your loan products easily with the Transfers tool in online and mobile banking.

Note: To make loan payments with an external account, you will need to schedule two transactions - one from your external account to a Sierra account, and one from your Sierra account to your loan.

Login to online or mobile banking

  1. 1. Click on Menu

    You can also find transfers on the "Transfers" tab at the top of online banking, or the "Quick transfer" and "Make a Payment" buttons on your account or loan of choice.

    Click on Menu

  2. 2. Click on TRANSFERS & PAYMENTS

    Click on TRANSFERS & PAYMENTS

  3. 3. Click on "Start a New Transfer" and then "Transfer From".

    Click on "Start a New Transfer" and then "Transfer From".

  4. 4. Choose the account you want to transfer FROM

    This will let you transfer from Sierra accounts or external accounts you have already added. To add new external accounts, see our "How to Add an External Account to Online Banking" guide

    Choose the account you want to transfer FROM

  5. 5. Click on "Transfer To" and select your loan or account from the drop down

    The dropdown will show all Sierra and external loans and accounts you have setup. To make a loan payment, choose the loan here.

    Click on "Transfer To" and select your loan or account from the drop down

  6. 6. Specify an Amount Click

    For a loan payment, the drop down will let you choose from your scheduled loan payment amount, your statement balance (if applicable), loan payoff, and a custom amount. To enter a custom amount, choose, "Specify and Amount" and type the total you wish to transfer.

    Specify an Amount Click

  7. 7. Click on CONTINUE

    Click on CONTINUE

  8. 8. You'll now see the "Transfer Options" page.

    You'll now see the "Transfer Options" page.

  9. 9. Choose between making this transfer "Right Now" and scheduling it for another time.

    To set up recurring payments, choose "Scheduled".

    Note that transfers from external accounts may take up to 2 business days to complete, even when the "Right Now" button is chosen. If you are using an external account to make loan payments, we recommend scheduling the transfer at least 4 days ahead of your loan due date to prevent late payments.

    Choose between making this transfer "Right Now" and scheduling it for another time.

  10. 10. Choose your Transfer Date

    If you chose to schedule your transaction, you'll need to set a date.

    Loan payment due dates will show under the "Transfer Options" header (see orange arrow)

    Remember to choose a date at least 4 days before your due date if making transfers from external accounts.

    Choose your Transfer Date

  11. 11. Choose your scheduled frequency

    You can choose to make this scheduled transfer a one-time occurrence, or set up automatic repeats at different intervals.

    For loan payments, we suggest choosing either weekly, bi-weekly, semi-monthly, or monthly payments. These options let you make a loan payment either regularly after you are paid, or at least once a month before your payment due date.

    This can also be used to set up automatic annual transfers (Ex: From your holiday savings account to checking), among other things.

    Choose your scheduled frequency

  12. 12. Optional: Enter a payment memo

    You can add a custom message to help you remember what this transaction is for when checking your account activity.

    Enter a unique message for the "From" and "To" accounts, or enter one and click "Use same description for both messages?".

    Optional: Enter a payment memo

  13. 13. Click on SUBMIT

    Click on SUBMIT

  14. 14. Review your transfer details

    Double check the from and to accounts, the amount, and the date.

    For loan payments, you will see your next due date on this page. Double check that the "on" date is before the "Payment Due" date (see arrows below).

    The account you're transferring from will show an "Available Balance". Double check that the amount you're transferring is less than that balance.

    Review your transfer details

  15. 15. Click on CONFIRM to Post Transfer

    If you're happy with the transfer details, click "Confirm". If not, click "Cancel" and repeat set up with the correct details.

    Click on CONFIRM to Post Transfer

  16. 16. You'll see a "Transfer Success" Message once confirmed

    You'll see a "Transfer Success" Message once confirmed

  17. 17. Optional: To see your scheduled transfers, Click on VIEW SCHEDULED TRANSFERS

    This will let you double check that your new scheduled transfer is on the calendar, and check on any other scheduled transfers you've created.

    Optional: To see your scheduled transfers, Click on VIEW SCHEDULED TRANSFERS

  18. 18. Scheduled Transfer Summary page

    View all scheduled transfers here

    Scheduled Transfer Summary page

  19. 19. To edit a scheduled transfer, click on it

    To edit a scheduled transfer, click on it

  20. 20. Make updates as needed

    You can update the scheduled transfer date, frequency, and name from this tab.

    You can also choose to cancel the recurring transfer all together.

    Make updates as needed