Online Banking frequently asked questions

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Online Alerts

Yes, you can set up an alert for your account through Online Banking to help you stay informed about your account information. You can receive alerts via email or text message (standard text message and other rates may apply; see your carrier for details). You can set up alerts for the following categories:

  • Account Alerts: balance information, deposits received, specific check number clearing, transfers processed
  • Bill Payment Alerts: payments processed or failed , payee added or changed
  • Person-2-Person Pay Alerts: payments scheduled, contacts added or changed
  • Service Alerts: new statement available, password or contact information changed

Account Alerts are sent based on your account information at the end of the previous business day. Alerts for Bill Payment, Person-2-Person Pay and certain service alerts are sent in real time.

Note: Additional transactions may have posted to your account since the alert was sent.

Yes, alerts for Online Banking can be delivered to a text or web-enabled cell phone, an email address, or both.

Once enrolled and signed into Online Banking, you can select the Manage Alerts option under the Customer Service tab.

Online Bill Pay

When you add your new account, you must enable your account for bill payment. To enable the new account for bill payment, follow these steps:

  • Select Customer Service from the top navigation
  • Click Customize Your Accounts
  • Check the box next to the account you wish to enable for bill payment
  • You can schedule a bill payment immediately

It does not take long to add new payees to your list of bill payment payees.

You will be able to instantly add payees and immediately schedule payments to them. You can even search for companies by name from a list of payees already on file with the Bank. The address information will even be automatically filled in.

There are different ways merchants (payees) receive payments. You should make sure that enough time has elapsed to be sure that the payment isn't already being processed by the merchant (payee).

If you know they had enough time to process the payment (we would suggest a minimum of 7-10 business days), you can call or email People's United Bank with the date your payment was made using our bill payment service, and we will immediately start researching as to the cause of the delay.

We will resolve all bill payment problems within 10 business days of your report to us. In the majority of cases, the merchant has received the People's United Bank payment and has simply not credited your account as of the time of your initial inquiry or last statement.

"Completed": we have confirmed that the merchant received this payment electronically from us.

"Sent": we have confirmed that we have mailed a physical check to the merchant on your behalf

"Cleared On": the check has been presented and cleared.

At the end of the business day, our banking system reconciles all the transactions on your account and processes all the various types of transactions (Deposits, Withdrawals, Payments, etc.). On rare occasions where there are many transactions for our customers, this process may not complete until the early morning on the following day.

As a result, the bill payment debit may actually occur on your account very early the next day. As long as your account is in good standing and contains enough money to cover your payments, we will not hold back payment to your merchant based on this kind of processing delay.

If you scheduled a bill payment and did not have funds to cover it in the account you specified, your account may become overdrawn as our system attempts to make the payment for you.

Our representatives will review the bill payment transactions on the following day and may return the payment and credit your account. However, certain electronic payments cannot be returned as the funds have already been sent to your merchant. Overdraft fees may apply.

Your payment may have been sent a day later than when it was scheduled due to verification that is completed by People's United Bank.

Before sending payments to your payee, People's United Bank verifies that your available balance contains enough money to cover the bill payment. During our end of day reconciliation of your accounts and transactions, our system checks your current and available balances to ensure you have the adequate funds to cover the payment. If funds are not sufficient, our bank representatives will review the payment on the following business day to determine if funds have become available and make the final decision to continue to process or cancel the bill payment.

Please remember to have sufficient available funds in your account to ensure that your payment can be sent on time. As always, please allow adequate time for your payment to be received and credited by your merchant.

E-Bill is an electronic version of your bill that you receive directly through our Online Banking system. This electronic bill can be viewed immediately. An e-bill looks exactly like your paper bill. The only difference is that it is conveniently delivered to online banking.

E-Bills are free and they can accelerate and simplify the bill paying process. You simply click it, view it, and pay it.

Since your e-bill is available online you can print a copy if you need one.

To receive e-bills, click the "Set up e-bill" link, below the company name, and follow the online instructions. You should begin receiving your e-bill online within 1-2 billing cycles.

If you are experiencing a problem setting up an e-Bill, please contact the Call Center at (800) 525-9248.

If you modified an existing recurring payment and you were prompted to change the start date, the existing recurring payment will be deleted and a new one will be created. 

Once you complete your changes, under the 'Make Payments' tab, you will see your modified payment under 'Pending Payments'. You will receive an email confirming that your previously scheduled recurring payment series was cancelled, but will not receive a confirmation email that the new payment series has been created. 

The Expedited Payments service allows you to make overnight payments to anyone, anywhere in the continental United States (the contiguous 48 states and the District of Columbia) from one location.

Our Expedited Payment feature provides you two options to make your payments. The first payment option allows overnight checks to almost any payee the next business day. To ensure overnight delivery, overnight checks can only be sent to a valid street address in the continental United States.

The second payment option is an expedited electronic payment. This option is available for any payee that we currently send electronic payments to and will save you the cost of postage. When you setup your payment, the system will display the payment options that are available to you for the specific payee.

Expedited electronic payments are only available for payees that we currently send electronic payments to or "managed payees". The cutoff time for expedited electronic payments is based on the payee and their ability to accept payments that day.

Overnight Checks can be sent to any payee that you establish. Once you create the payment request a check will be generated and delivered to the address that you provided. The cutoff time for overnight check payments to be delivered the next business day is 7:45 pm ET.

Important: All expedited payments will arrive at their destination the following business day.

  • Enjoy piece of mind – take comfort in knowing that you can make a payment quickly
  •  Avoid late fees – pay a bill as soon as the next business day versus a normal payment that can take up to 5-7 business days
  • Safeguard your credit rating – protect your financial wellbeing by avoiding late payments

Yes, all Expedited Payments are wrapped into our secure and confidential Online Banking service.

Yes, there is a nominal convenience fee of $5.95 for expedited electronic payments and $17.95 for overnight checks. 

The convenience fee is deducted from the funding account the payment was made from as a separate transaction. 

Sometimes payees indicate a special address to use for payments delivered via an overnight service. If the address is a P.O. Box, you will need to contact the payee to identify an address to use.

Yes. Expedited Payments cannot be sent to an address in Hawaii, Alaska or to a P.O. Box. 

Depending on the type of payee, your payment will be made electronically (delivered in 1 or 2 business days) or by paper check (estimated delivery in 5 business days). Payments requested prior to the 9:00 PM ET cut off time will be scheduled the same day.

You can choose a "Deliver By date" or a "Send On" date.

Deliver By date- means the date you would like your payment to be delivered to your intended payee. Note: this may or may not be the date your payment will be posted by your payee.

Send On date- means the date we will begin the delivery process or the date we will send a request to withdraw funds from your account and begin the delivery process. The Send On date may or may not be the date funds are withdrawn from your account.

Please remember a Business Day is every day except Saturday, Sunday or a federal holiday.

Yes, Internal Transfers made to your eligible People's United deposit or loan account before 11:00 pm Eastern Time on a Business Day will begin processing the same Business Day. If the internal transfer is made on a weekend, bank holiday or after the close of a Business Day then it will be posted on the next Business Day.

Online estatements

Once you are a People’s United Bank customer, simply sign-up for Online Banking then:

  1. Log into People's United Online and click 'Customer Service'
  2. Choose 'Change statement delivery method'
  3. Select Delivery Method 'Online', acknowledge that you have read and agree to the terms and conditions, then click 'Submit'.

Yes, you can download one account statement at a time using Web Connect, QIF format used by Quicken and Microsoft Money or the CSV file format for Microsoft Excel.

Your eStatements are available online at approximately the same time your paper statements are mailed out and remain available for up to 36 months.


Person-2-Person Pay is a convenient way to send money electronically from your People's United Bank checking account to anyone who has a United States bank account, using Online or Mobile Banking.

Yes, there are no fees for the Person-2-Person Pay service.

No account or financial information will be shared with your recipient. In order to process your transaction, we may share your name, email address and phone number with the recipient, in addition to anything you enter into the optional message field.

The maximum dollar amount allowed for a Person-2-Person Pay transaction can be up to $2,000 per transaction/per day.

Enroll in Person-2-Person Pay with just a few simple steps:

  1. Sign into Online Banking at
  2. Select Person-2-Person Pay from the Pay and Transfer tab
  3. On the enrollment page, verify your email address
  4. Review our People's United Person-2-Person Pay Service Agreement and Disclosures; acknowledge that you have read the agreement, and agree to continue.

A contact is a person you setup as a recipient of a Person-2-Person Pay payment. The only information required to add a contact is the first name, last name, and an email address or mobile number where we can notify the contact that they have received a payment. Additional delivery information including the contact's bank account can also be added.

There are two delivery options the recipient can choose:

  • Send the payment to an email address or mobile phone number
  • Directly to their bank account
  • Instantly to the recipient’s PayPal account

Your payment method will determine when your account is debited. If you decide to send money by:

  • Email/Mobile Number – Payment is debited from your account once your contact has claimed the Person-2-Person payment
  • PayPal or Bank Account - Payment is debited immediately from your account

The person receiving the funds, will get a text message or email notification

  • Using a contact's email or mobile number: Your contact will receive a text message or email notifying them of the payment
  • Using a contact's bank account information: The funds are deposited directly into you contact's account with no additional action on their part.

Please make your contact aware of Person-2-Person payments you have sent to them.

Person-2-Person Pay payments can be made to customers residing anywhere within the United States, its territories (American Samoa, Virgin Islands, Northern Mariana Islands, Guam, Puerto Rico, and the District of Columbia), and military installations.

No. Person-2-Person payments can be sent to virtually anyone and the recipient does not have to be a People's United Bank customer or enrolled in Person-2-Person Pay. 

However, if you sent the payment to an email address or mobile phone number and your contact has not claimed it, you can cancel the payment by clicking the "Cancel payment" link on the Outgoing Payments tab.

If you have sent the payment using a bank account or PayPal delivery method, then the payment cannot be edited or canceled. Payment processing begins immediately after you submit the payment.

However, if you sent the payment to an email address or mobile phone number and your contact has not claimed it, you can cancel the payment by clicking the "Cancel payment" link on the Activity tab.

You can view all of your Person-2-Person Pay transactions using Online and Mobile Banking. Select Outgoing or Activity to view all sent Person-2-Person Pay transactions which include a current status.

Your contact has 10 calendar days to claim the funds after the payment is sent. 

The payment will expire after 10 calendar days and you will need to initiate a new payment.

Your contact can decline a payment sent via email or mobile phone number. Payments sent to a bank account or PayPal cannot be declined. 

Customers enrolled Person-2-Person Pay will be able to claim payments using Online or Mobile Banking. Select the Incoming or Activity tab to view, accept or decline your Person-2-Person payments received.

Contacts not enrolled Person-2-Person Pay will receive steps on how to claim the funds in the payment notification.