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Person to Person FAQs

Pay a Person Payments.






Any Civista Bank personal checking account can be designated for P2P payments, excluding Health Savings Accounts (HSAs).

From your online banking menu.  Simply:

  • Click on the Bill Pay Plus tab to get started.
  • Accept the terms and conditions (with first time use)
  • Click on the Pay a Person tab to get started.
  • If you are already a P2P user, you can access your payee list right from the payments dashboard.

Only one account may be designated for P2P payments. If you need to change your designated account, please contact our electronic banking customer service at 1-844-842-0268 for assistance.

The minimum payment is $1.00

The maximum single transaction amount is $1,000.00 and there is a daily limit of $2,500.00.

After the recipient submits their deposit account information, it can take up to three (3) business days for the payment to be received. Pay a Person payments are made via ACH and typically completed within two business days. The initial payment to a recipient may take longer, depending on how long it takes for your recipient to respond to the initial set-up.

No, there are no charges for using this service and there is no charge to the recipient.

The sender's account is debited when the ACH payment is generated to the payee. Once your recipient has initially submitted their deposit account information, this typically takes 2-3 business days.

No. Both "pending" and "scheduled" payments are not debited until the ACH payment is sent to the payee.


You can view your recent transactions in your online banking account under the Bill Pay Plus tab in your dashboard. You will also be able to edit both "Scheduled" and "Pending" transactions from this screen.

First, you will need to contact the bank's electronic banking customer service at 1-844-842-0268 to delete the payee. Then, you can re-enter the payee in your Bill Pay Plus dashboard under “add payee” with the updated address and/or account information.

Yes, you can set up recurring payments.

At this time, P2P payments are limited to U.S. financial institution accounts only.

In the event a payment is not able to be deposited into the payee's account, the payment will be automatically refunded to the originator, and an email alert is sent to the originator and payee.

Yes, the cut off time is 3:00 p.m. EST.  Transactions submitted after 3:00 p.m. move to the next business day.

Pay a Person operates with a secure payment portal, meaning that the payment originator and recipient never see each other's bank account information. Pay a Person access through Civista Bill Pay Plus provides the same security and encryption service as your online banking transactions.