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Frequently Asked Questions

Bill Pay

Here are simple straightforward answers about online bill pay from POPA Federal Credit Union. View our Bill Pay Demo.

Online Bill Pay Basics

What is online bill pay?

Online bill pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It’s safe, secure and easy to use.

Who can I pay with online bill pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter, or relative.

What is the maximum dollar amount I can pay using online bill pay?

The maximum dollar amount per day cannot exceed $9,999.99.

Getting Started with Online Bill Pay

How do I enroll in online bill pay?

You can enroll for online bill pay in two easy steps:

  1. Access and login to your account.
  2. Complete the enrollment form and click submit.

How do I start using online bill pay?

First, you need to enroll to activate your online bill pay account. If you haven’t enrolled, please follow the steps shown above. If you have enrolled, you can make a payment in three easy steps.

  1. Grab a bill and login to your account.
  2. Add your payee from the “Payees” tab.
  3. Enter the amount you want paid and make your payment.

How Online Bill Pay Works

How are online payments delivered?

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is online bill pay secure?

Paying bills online is one of the safest ways to pay your bills. Online bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real time access to your payments activity.

How long does it take before my payment is received?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

How are the scheduled payments processed with online bill pay?

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Online Bill Pay Benefits

What are the primary benefits of online bill pay?

Here’s a quick list of the many ways you can benefit from using online bill pay.

  1. Save time. It takes only minutes to pay your bills each month. You save time on trips to the post office and filing away paper receipts. In addition, smart features such as recurring payments allow you to set up a schedule to pay your bills automatically.
  2. Save money. Online bill pay saves on postage, envelopes, late fees, and checks. If you pay just 10 bills per month, you can easily save over $75.00* per year.
  3. Stay organized. Your payment history is stored online so you won’t have to file and sort through paper receipts.
  4. Gain peace of mind. You can schedule payments in advance so you won’t have to worry about paying bills when you travel. Bill pay reminders are also available to notify you it’s time to pay your bill.
  5. Help the environment by saving paper. With online bill pay, there are no checks to write or envelopes to mail. That’s good news for you and the environment.
    *Savings are approximate and based upon the average annual cost of stamps, envelopes, and checks required for paying ten bills per month.

Wire Transfer

    Wire transfers are a safe, reliable way to transfer funds from an account at one financial institution to an account at a different institution.

    Wire Transfer FAQ

    What do I need to send a wire transfer to POPA Federal Credit Union?

    Your wire transfer request must be made with the institution sending the funds. You will need to give them these instructions:

    • Routing number: 311990511
    • Institution Name: Catalyst Corporate Federal Credit Union
    • Institution Address: 6801 Parkwood Blvd., Plano TX 75024
    • Respondent Name: POPA Federal Credit Union
    • Account Number: 322085318
    • Final Credit: Your name and account number at POPA FCU (must specify Checking or Savings)

    What is the cost to receive a wire transfer?

    Free. POPA FCU does not charge a fee for incoming wire transfers (domestic and international).

    What if the institution sending the wire transfer has questions?

    The institution can contact the Accounting Department at 800-369-7672.

    Do I have to have an account at POPA FCU to receive wire transfers?

    Yes, our services are for our members. Join today!

    Are the funds from wire transfers available immediately?

    Yes, once they have been deposited into your account.

    Where are the funds from a wire transfer posted?

    Unless specified, we post incoming wire transfers to your Checking Account . If you would like your funds posted to savings, please specify that in your Wire Transfer Request > Special Instructions section.

    How will I know when my wire transfer has been received?

    There are three different ways you can confirm that your wire transfer has been received and posted:

    1. You may call the Accounting Department at 562-229-9181, or 800-369-7672,
    2. You can use POPA Online Banking, or
    3. Call POPA Phone Banking at 800-910-2824.

    Apple Pay

    Apple Pay® is a contactless payment technology that was created to allow you to safely and privately make purchases using your iPhone. View our Apple Pay FAQ.

    Ways to Move Your Money

    There are various digital peer-to-peer, also known as P2P payment platforms, that allow you to send and receive money quickly and conveniently. POPA FCU supports Apple Pay and although we don’t offer Zelle or Venmo through our mobile services you can still use these services with your POPA FCU account information.  

    Please remember to review the terms and conditions, as well as any associated fees, for each platform before using them to move money. Availability and specific features may vary depending on the platform you're using. 


    Ways to Move Your Money FAQ


    Many financial institutions offer integration with Zelle® within their mobile banking applications. Currently POPA does not have Zelle® available through the mobile app, but you can still link your POPA FCU account or debit card on the Zelle® platform to send money to other Zelle® users. 

    Please visit Zelle® at or go to the Apple or Android play store to download the latest Zelle® app to see how it works, sign up, and link your POPA FCU account or debit card to get started sending and receiving money. 

    NOTE: It’s highly important that when using these services, you know and trust those you are sending money to. Once you authorize a payment to be sent you can’t cancel it if the recipient is already enrolled in Zelle®. 



    To get started using Venmo you will need to download the app from the Apple or Android play store. You can then proceed with creating an account and link your POPA FCU account or credit/debit card. Once setup you can send and receive money from friends or family by entering their Venmo username, email, or phone number. 

    Apple Pay

    Apple Pay is safe and secure because your POPA FCU card number is not stored or given to the merchant. Once activated complete the following steps:

    • Setup Touch ID (If iPhone X or newer you will need to setup Facial ID)
    • Add your card(s) to your wallet.
    • Setup Notifications – Push Notification so you will be notified when a transaction occurs on your card.
    • Look for the Pay Wave or Apple Pay symbol at checkout.

    Note: Please contact the credit union to have Apple Pay activated on your account.


    Sign up for a PayPal account, link your bank account or credit/debit card, and send money to others by entering their PayPal email or mobile number. Visit the PayPal website or mobile app to initiate transactions.

    Google Pay

    To get started download the Google Pay app, sign in with your Google account and then you can link your bank accounts or cards. You can send money directly to contacts or enter their email or phone number to conduct transactions. 

    Online Banking

    With POPA FCU’s Online Banking, you have 24-hour Internet access to your accounts—from home, from work, or anywhere in the world!


    Getting Started

    How do I sign up for Online Banking?

    When you’re ready to register, click here. First-time users, including users who have used POPA's previous Online Banking System, must complete a one-time registration. The process will take about five minutes.

    Once you’ve registered for and logged into Online Banking, you can update your username and password by clicking the "Profile" tab at the top of the screen. The "Profile" tab also allows you to manage other account settings and options.

    Is Online Banking secure?

    Yes. POPA FCU uses the most advanced Internet security systems available. The information is encrypted and encoded for the highest level of security. In addition, the multi-level login procedure is another safeguard against unauthorized users accessing your data—only you know your username, password, and security questions.

    How much does Online Banking cost?

    This easy-to-use, powerful tool is FREE!

    Do I need special software to access Online Banking?

    All that’s needed for you to access your account via Online Banking is a computer with Internet access, a web browser that supports secure socket (SSL) encryption, and a valid email address. We recommend current versions of Internet Explorer, Firefox, Chrome, Safari, or America Online Banking. We do not recommend "beta" or test versions of any browser because they may produce unpredictable results or pose security issues. If you need to upgrade your browser, check your software documentation or publisher's website. Please insure that cookies are enabled within your browser settings.

    Do I have to choose a username or can I use my Member number?

    With POPA's previous Online Banking System, you used your account number to log in. However, our new system requires that you choose a username (cannot be your account number) and password.

    Once you've registered and logged in to Online Banking, you can update your username and password any time by clicking the "Profile" tab at the top of the screen.

    What happens if I use my Member number instead of my username?

    Your "Member number" will no longer allow you access to Online Banking. You will need to enter your USERNAME.

    Once you've registered and logged in to Online Banking, you can update your username and password any time by clicking the "Profile" tab at the top of the screen.

    What if my information has changed, such as phone number and/or email address?

    You can update this information by selecting the "Profile" tab. From there, go to "Home Address Info" and click "Edit" in the appropriate section.

    What I need to know about Browsers, Cookies, and Pop-Up settings.

    The Accounts Feature

    Can I view pending transactions?

    Yes. Pending transactions (both debits and credits) will be shown on the main accounts page right below the "Account Summary" title.

    How do I add an asset or liability?

    Simply click on "Assets" displayed in the secondary navigation row under the "Accounts" tab to add or remove assets or liabilities.

    How do I export to Quicken®?

    On the main "Accounts" screen, click "Options" and choose "Download to Quicken-QFX". That file can be saved to your computer. Once opened, it will open your program.

    How do I export as a spreadsheet?

    Select and open the target account you would like to export. Once the transactions are visible, click "Options" and choose "Download as CSV". That file can be saved to your computer.

    How do I rename my accounts?

    To rename any of your accounts, click "Edit" on the left side of that account on the main accounts screen. You will have the option to give it a nickname, as well as make notes and set goals.

    Can I show only certain accounts?

    Yes. Click "Edit" on the left side of that account on the main accounts screen and mark the account as a favorite. Repeat for any other accounts. Next, click "Options" on the main accounts screen and select "Show only favorite accounts".

    How do I search for a specific transaction?

    This new system has natural language search capability, making searching for what you're looking for easier and faster. For example, if you're looking for your gas purchases last quarter, simply search for "gas last quarter" for a quick listing.

    Can I search all transactions for one payee?

    Yes. Simply click on the logo that appears for that payee/merchant, or type in the name of the payee/merchant in the search box. All transactions in your history specific to that payee/merchant will be displayed.

    How do I add a note to a transaction?

    While you are in your transaction history, click "Edit" on the left side of that transaction. From there you can add notes or even specify a category for that transaction.

    How do I inquire about a transaction?

    Simply click on the envelope icon next to the transaction. Complete the form and your question will be forwarded to our support team.

    The Alerts Feature

    How do I set up a customized alert?

    To customize your alerts, click "Alerts", then select the "Add Alert" button in the secondary navigation row. Next, select the alert type, name your alert, and fill in the data needed.

    How do I remove an alert I no longer want?

    To remove alerts you no longer wish to receive, click "Alerts", select the alert, uncheck any "Send Email to" or "Send Text to" options and then click "Save".

    What if the alert I want isn't available?

    You have the option to create any alert that we don't currently have and specify how and when you’d like to receive it.

    How often will I receive an alert?

    You can choose to have alerts sent to you throughout the day, only in the mornings, as a weekly summary on Mondays, or as a monthly summary on the first of the month.

    What types of alerts are available?

    There are alerts for nearly every scenario. You can create alerts for ATM transactions, transactions, statements, newsletters, sign-ins, password changes, balance notifications, and more! Click "Alerts" to learn more and to get started.

    Can I receive alerts via text?

    Yes. There are multiple options available for you to choose from to receive your alerts. You create your personalized alerts and decide how and when you would like them delivered.

    The Reports and Budgeting Feature (Financial Management)

    Can I download my budget to Microsoft® Excel?

    Yes. Click "Financial Management," then select "Budget" to access the "Download" link. This will save your data in a CSV file that can be used in programs such as Excel.

    How do I set specific accounts to include in my reports?

    You have several options to select accounts for your reports. One option is to click "Set Which Accounts Participate in Reports" located to the right of "All Accounts." You can then mark or unmark your accounts. Another option is go to the "Accounts" tab and click "Edit." You may also click "Edit" next to each individual account and make the proper selections in that window.

    How do I set up a budget?

    To set up a budget, simply click on the "Suggest" link and a recommended budget will appear based on your transaction history over the last three months. Or, you may click on each category and input your "Allowance" for the given category.

    What does the "Exclude Transfers" option do?

    This is an option to help better classify categories and give you a more realistic view of your income vs. expenses. Any transfers made can be excluded from the budgeting feature.

    The Dashboard Feature

    What is the dashboard used for?

    The dashboard makes it possible for you to customize your banking information on one page.

    What is a widget?

    A widget is a small application within a webpage that will allow you to customize your online branch.

    How do I add a widget?

    Under "Add Another Widget," click on the drop-down menu, and choose the widget you would like to add. You can add multiple widgets.

    Can I arrange the widgets?

    Yes. You can arrange a widget simply by clicking on it and moving your mouse to your desired position.

    How do I remove a widget?

    Simply click on the "X" at the top right of any widget.

    The eStatements Feature

    Where can I view my eStatements?

    To view your eStatements, click on the "eStatements" tab. Pop-up blockers must be disabled, and you must have Adobe Acrobat Reader installed on your system to view eStatements.

    The Profile Feature

    How do I update my address?

    Click "Profile" Go to the Home Address Info Section, Click on Edit, Update your address, Answer the Security Question Click on Save.

    How do I change my password?

    Click "Profile," then "Change Password." The password must be a minimum of eight characters and must meet the following requirements:

    • is case sensitive
    • must not be the same as your account number or username
    • must be between 8 and 20 characters long
    • must contain at least 1 numeric character (e.g, 12345)
    • must contain at least 1 special character (e,g, !#$%)
    • must contain at least 1 alpha character – lower or upper case (e.g. AaBbCcDdEe)
    • must contain only letters, numbers, and these special characters ~!@#$%^&?*+=

    Can I change my username?

    Yes. Click "Profile," then "Change Username." Your username must be a minimum of six characters and can contain numbers.

    Can I change my timeout?

    No. For your security, timeouts are set for 10 minutes of inactivity.

    How do I change my security questions?

    Click "Profile," and select "More Details." From here you can change your security questions along with your password, username, and security phrase.

    How do I change my security phrase and picture?

    Click "Profile," and select "More Details." From here you can change your security phrase and picture along with your password, username, and security questions.

    The Transactions Feature

    Is there a way to not display the merchant logos?

    Yes. When you are viewing the transactions, click "Options" on the left side of the screen towards the top of your transactions. Uncheck "Detail View."

    Can I view pending transactions?

    Yes. Pending transactions (both debits and credits) will be shown on the main accounts page right below the "Account Summary" title.

    How do I change the category of a transaction?

    To change a category, click "Edit" next to the transaction. Here you will be able to change the category as well as enter any notes you want regarding that transaction.

    How do I search for a specific transaction?

    This system is based on natural language search, which makes searching for specific transactions simple and quick. Looking for your gas purchase last quarter? Simply search for "gas last quarter" for a quick listing. You can also search by clicking on the merchant logo or the transaction itself.

    How do I add a note to a transaction?

    Click "Edit" next to the transaction that you wish to add a note.

    How do I print a copy of a check?

    Click "View Check" under the transaction. Select the "Print Check" link located in the upper right corner.

    The Transfer Feature

    How do I make a payment to a loan or credit card?

    Under the "Loans" tab, choose the type of loan payment you'd like to make.

    Are the transfers instant?

    Yes. You will receive instant credit for any transfers performed on your account.

    How do I set up a recurring transfer?

    Under "Transfers," select "Scheduled Transfer." Enter the amount you wish to have transferred, choose the account the money is coming from, choose the receiving account, and select the frequency.

    How do I send money to another POPA FCU Member?

    In the "Transfers" tab, click "Transfer Money to Another Member". You will need to know their account number, the first three letters of their last name, and whether it is to be deposited to their checking or savings.

    Related Topics

    Who is Eligible for POPA FCU Membership?

    Membership at POPA FCU gives you access to any of our convenient products and services, such as online banking, bill pay, direct deposit, and so much more. You also receive one vote during an election at our annual membership meeting.