You can connect your account with Public Service Credit Union to most cash transfer apps (also called P2P or peer-to-peer apps).  Thanks to these apps and our smartphones, we can pay our friends and family instantly!*  You can also easily move money between two different financial institutions. There’s no need for cash or checks with apps like Venmo, Cash App, Zelle, or PayPal!
Cash transfer apps are making it really easy to:
  • Split a restaurant bill
  • Make a loan payment
  • Go in on a gift
  • Pay a babysitter
  • Pay your landlord rent

You can use cash transfer apps to pay anyone for any reason!

mobile payment apps logos

How to use cash transfer apps:

  1. Choose an app and download it. (We recommend using whichever app your friends and family prefer to use.)
  2. Connect your PSCU bank account or debit card within the app.
  3. Find your friends and family using their phone number or email address.
  4. Send a payment…each app is a little different but payments are usually sent from within a couple of minutes to 1-2 days.

Making loan payments:

Use an app to make your loan payment!  Do you have your loan with PSCU but your checking account is at another financial institution?  You can set up both of your accounts to transfer money using a cash transfer app.  Once you’ve moved your money for the loan payment to your PSCU account, you can use the PSCU mobile app to transfer the money directly to your loan.

PSCU also offers Re-Pay, as another way you can make your loan payment from a credit card or another bank account.   Check out this video about How to Navigate Re-Pay.

Make your loan payments online from a credit card, debit card or another bank account now with Re-Pay.


How to protect yourself when using cash transfer apps:

  • Only send money to people that you know and trust.
  • Check your recipient’s information carefully before sending any money.
  • Adjust your privacy settings in Venmo and opt-out of public tracking.
  • Carefully read the terms and conditions of service before using.
  • Never use a cash transfer app for business-related transactions.
  • For extra protection, use PIN or fingerprint recognition and/or touch ID.
  • Choose to be notified about every transaction.

Are cash transfer apps safe?

Apps like Venmo, Zelle, Cash App and PayPal are helping to make transfers quick and easy without having to use cash or checks.  Unfortunately, they are also being used by scammers.  Below is one example:

Fake buyer
A scammer will get in contact with you about an item that you have listed for sale somewhere.  They say they’ll pay through a cash transfer app.  You wait until you see the transfer is coming into your account then immediately give or send them the item. However the transfer does not end up clearing and the fake buyer has your item.  Unfortunately, there is no way you can get your money or your item back.  This is one reason why it’s important to only send and receive money from someone you know and trust.

*Public Service Credit Union is in no way affiliated, endorsed or associated with any cash transfer applications. PSCU makes no recommendations on the app you choose to use and is not responsible for any charges, discrepancies, or fees associated with using cash transfer apps. PSCU recommends researching all cash transfer applications to determine which app is best for your personal needs.