Transfers gives you the ability to transfer funds to and from accounts at other financial institutions. You do not need to be the primary account holder on the account you are transferring funds to. Bill Pay is used to pay bills or other third parties from your accounts at Inspirus Credit Union. A third option is PayDough, which allows you to transfer funds to other people, as long as they have a valid e-mail address. You don't need their bank account number, just their e-mail address.