Inspirus PayDough: Introducing PayDough

The following are common questions from our members and the answers that normally fulfill the associated need. If you have additional questions, please feel free to contact us directly via phone at 206-628-4010, toll free at 888-628-4010 or via secured message within your digital banking account.

PayDough is a free service that allows Inspirus Credit Union members with a checking account and a debit card to safely send money to anyone in the United States who has a valid e-mail address or SMS (text) enabled cell phone. You don't have to have their account number to send them money. Funds are transferred through debit card network with participating institutions. The receiver will get an email or text, depending on how it was sent.

PayDough allows you to send money to anyone in the United States who has a valid e-mail address or SMS (text) enabled cell phone. You don't have to have their account number to send them money.  PayDough offers real-time payments to other people through the debit card network.

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 or SMS (text) enabled cell phone. You don't need their bank account number, just their e-mail address or cell phone number.

PayDough transfers are a free service offered as part of membership with the credit union.

The length of time will depend upon how the recipient wants to receive payment:

  • If they enter their debit card information, payment will be the same day.
  • If they enter a routing number and account number, it may take 1-3 days, depending on processing time at the recipient's financial institution.

You do not need to be listed as "primary owner" on both the destination and source accounts in order to transfer money using transfer. Please note that any transfers scheduled are only visible to the user who scheduled them.