With modern technology gradually integrating the financial industry, people quickly understand that money transfers is crucial to maintain a healthy financial in this new digital era.
In fact, money transfers (remittances) to low- and middle-income countries spiked up to $626 billion in 2022, according to a press release from World Bank.
These remittances usually involve the transfer of funds from one account to another (either from one bank account to another, or from a mobile wallet to the next).
A checking account is a type of bank account that's used for everyday deposits and withdrawals — it is the type of account that allows you transfer money to another account.
Usually sending money with a checking account number is easy — all you'll need is the recipient's account details and a few steps.
However if you find yourself in an urgent situation where you need to transfer funds instantly, you might be wondering how to send money with a checking account number instantly.
To help you out, we've compiled the different ways (steps included) to send money with a checking account number instantly.
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Can You Send Money With Checking Account Number Instantly?
Usually, whenever we want to send money with our checking account number, we'll open our mobile banking app, tap something similar to "Transfer Money" to send money to someone.
Bank to bank transfers usually take time to complete since it goes through a series of verification (especially if its an ACH transfer).
However, most banks have worked on their money transfer services — and have made it even more appealing to send money through it.
Simple put, you can send money with a checking account number instantly through your bank's mobile banking app and through a money transfer app.
Also Read:How To Do An Instant Transfer With Routing And Account Number
How To Send Money With Checking Account Number Instantly
A checking account, also known as current/transaction account is that account that lets you transfer funds to other bank accounts, receive deposits, and is usually linked to a debit card that allows you make withdrawals from ATMs.
If you're looking to send money with a checking account number instantly, you might want to consider the options below.
1. Use Your Bank's Mobile Banking App
Gone are the days where you'd have to go all the way to a local bank branch just to transfer money — banks have made it even more easier to send money through a mobile banking platform.
While some banks only feature a web-only banking platform, most of them feature both a web and mobile banking version of their online banking platform.
Over the years, mobile banking apps have made money transfers even easier — the best is, it does not take much time and steps to complete.
Sending money to other bank accounts registered under the same banking institution is usually instant, but transfers to bank accounts located at other banks can take some hours, if not some days to complete (especially if its an international transfer).
With that said, when looking to send money with a checking account number instantly through your mobile banking app, you'll need to make sure that the account you're looking to send funds to is registered under the same banking institution as your account.
To send money with a checking account number instantly through your mobile banking app, you just need to follow the normal steps you'd use for transferring funds to someone at your bank, which is as follows:
- Login to your bank's mobile banking app.
- Go to the "Send Money" or "Transfer Money" section.
- Enter the beneficiary account number where required.
- Enter the amount you want to transfer, together with a note.
- Complete the verification process (usually through OTP/PIN).
- Finally, tap "Send" to send money with your checking account number instantly.
Keep in mind that in some cases, technical issues might cause a delay in the transfer — if that is the case, you just need to wait for sometime and retake the steps if necessary.
In case you want to send money instantly to another bank account, then the method below would appear even more appealing.
Also Read: What Online Stores Accept Routing And Account Number?
2. Use A Money Transfer App
Money transfer apps are those apps that let you easily, safely, and conveniently transfer money from one account to another.
They use a peer-to-peer or person-to-person (P2P) payment scheme to facilitate and speed up transfers — making them an ideal choice for both individuals and businesses to collect payments from customers.
They account for a huge amount of the total amount of money trnasferred every year since people choose them over traditional payment methods.
Personally, I'd say money transfer apps offer the best way to send money with a checking account number instantly since most of them let you link your bank account to your account with them, and instantly transfer funds to other users.
However, you'd need to make sure that the people you're looking to send money to have an account with one or more of the money transfer apps outlined below.
With that said, let's look at the best money transfer apps that let you send money with a checking account number instantly.
Zelle offers a fast, secure, and easy way to transfer money with people and small businesses you know and trust who own a U.S. bank account.
Zelle works with most banks and credit unions in the U.S. to offer their customers a faster way to send money to their friends and families.
Zelle speeds up bank-to-bank transfers and money transferred through Zelle usually leaves the sender's checking account to the receiver's checking account instantly.
You can even Zelle yourself money from one bank account to your other bank account registered with Zelle.
While Zelle requires a bank account to work properly, you can, however, use Zelle without bank account by linking a U.S. debit card to your account.
With that said, Zelle is the best money transfer app that allows you send money with a checking account number instantly.
Nonetheless, when sending money through Zelle, it is always recommended to do so only with people you know and trust — and receiving money from strangers on Zelle isn't always safe.
2. Cash App
Cash App is a popular P2P payment service that allows people transfer money safely and conveniently.
Cash App's person-to-person payment scheme allows easier, safer, and instant transfers from one account to another in the U.S. and U.K.
It is also an untraceable money transfer app that lets you send money anonymously to other users on the platform.
Getting started with Cash App is very easy; — all you need to do is to download the app, signup for an account, link a funding source (bank account or debit card), and started sending money to other users.
To send money with checking account number instantly through Cash App:
- Open the Cash App on your phone.
- Enter the amount you want to send.
- Tap "Pay."
- Enter an email address, phone number, or $Cashtag.
- Enter what the payment is for.
- Finally, tap "Pay."
Cash App transfers are usually instant and money arrives your recipient's account as soon as you transfer the funds — making Cash App one of the best money transfer apps to send money with a checking account number instantly.
To make the transfer even more convenient, you can add money to your Cash App balance, then transfer them to your recipients without any delay that might occur at your bank.
Just like other money transfer apps on this page, Cash App lets you send money to yourself from one of your accounts to another.
Huge amount of money is transferred through Cash App yearly — making it a bait for con-artists to hack or scam their victims through popular scams, such as the sugar daddy scam — and I'd recommend doing business only with people you know and trust (receiving money from strangers on Cash App isn't always safe).
Venmo is another P2P payment service that allows people transfer money safely, conveniently and instantly to other users on the platform within the United States.
Getting started with Venmo is very easy — all you'll need to download the app from Google Play or App Store, signup for an account, and link a debit card or bank account to your account.
Sending money with a checking account number instantly through Venmo is very easy as follows:
- Open Venmo on your phone.
- Tap "Pay/Request" at the bottom of the screen.
- Search and add the person you want to pay.
- Enter an amount and add a note.
- Tap "Pay."
You can also add money to Venmo with and without a checking account or through a prepaid card, then use the Venmo balance to send money to other users on the platform — anonymous Venmo transfer is equally possible.
Just like other money transfer apps on this page, Venmo transfers are usually instant and the recipient receives the funds as soon as you transfer them — making Venmo one of the best money transfer apps to send money with a checking account number instantly.
While Venmo does not allow users have more than one account, it is, however, possible to Venmo yourself — and you can even pay someone on Venmo without an account.
If the aforementioned money transfer apps are unknown to you, PayPal should surely be an exception.
PayPal is one of the best international money transfer apps that allows individuals and business entities send and receive money to and from any part of the world — you can even send money anonymously on PayPal.
PayPal facilitates money transfers by making its the service convenient, cost-effective, safe and even quick.
The best is, you don't require much to get started with PayPal — all you'll need to do is to go to PayPal.com, signup for an account, verify your PayPal account and start sending money.
To send money with a checking account number instantly through PayPal, you'll need to link your bank account to PayPal, then follow the steps below:
- Choose your recipient. Enter your recipient's name, PayPal username, email, or mobile number.
- Enter the amount. Enter the amount you want to send and choose a currency. You can even add a personalized note.
- Go. Tap "Send". Your payment is on its way.
Just like the other apps mentioned earlier, PayPal is a mobile wallet that lets you store funds on a virtual account to facilitate payments.
PayPal allows you to have two or more accounts, and send money to yourself from one account to the next — and you can even send money to PayPal without an account.
How To Send Money With Checking Account Number Instantly Without Verification
Usually, we are required to complete one or more verification (depending on the bank) to send money from a checking account to another.
However, it is possible to send money with a checking account number instantly without verification — it's more like sending money from a bank account without verification.
Most banks usually require customers to complete a 2FA verification before they can send money from an account.
While most banks don't allow customers turn off 2FA verification, some of them do — and if your bank lets you turn off this feature, you can use it to send money with your checking account instantly without verification through your bank's mobile app.
However, keep in mind that this feature is in place to secure your account from fraudulent transactions, and whether your bank let's you turn this off or not, it's never a good idea to disable the feature.
Alternatively, you can send money with a checking account number instantly without verification through a money transfer app such as Cash App or PayPal.
After verifying your checking account once with these money transfer apps, you won't be required to complete any bank verification required by your bank to transfer funds.
Nonetheless, you might be required to complete verification imposed by these money transfer apps before you can initiate a money transfer through them.
Also Read: How Instant Transfer With Routing And Account Number Without Verification
Frequently Asked Questions
How can I send money instantly with my checking account?
The best way to send money instantly with your checking account is by using a money transfer app such as Zelle, Cash App, Venmo, or PayPal. However, you can use your bank's mobile app to send money instantly to other accounts registered with your bank.
What app Can I use my checking account to send money?
Zelle is the best app you can use to send money using your checking account number. The app facilitates money transfers from one bank to another and transfers through Zelle are usually instant.
How can I transfer money from my checking account without a debit card?
You can link your checking account directly to Zelle, Cash App, or even Venmo to transfer money. Linking a debit card to these apps isn't mandatory.
Can I transfer money from my checking account to someone else's?
Yes, you can transfer money from your checking account to someone else's through money transfer apps. They'll make it even easier to send the money from your account to your beneficiary's account.
A checking account is type of bank account that lets you make deposits and withdrawals.
Sending money with a checking account number instantly is possible through your bank's mobile app or through an money transfer app.
The only way using your bank's mobile app to send money with a checking account number instantly should work is if you transfer the funds to a bank account that is registered under the same banking institution as you yours.
On the other hand, when looking to do the transfer with a money transfer app, consider checking the fees involved with sending money through them to make sure they offer what you're looking for.
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