You’re headed out for a weekend trip when you realize the money you set aside is sitting in an account at another bank. Or maybe payday hit one account, but your monthly bills come out of another. You initiate a transfer, only to see the
estimated arrival time: 2–3 business days. Suddenly, something that should be simple becomes another thing to plan around.
If you’ve ever found yourself waiting for money that already belongs to you, you’re not alone.
Traditional bank transfers often take a few business days to process, which can be frustrating when you're trying to stick to a budget, cover an unexpected expense, or simply move your money where you need it. While many payment apps are built for sending money to friends and family, they aren't always designed to move funds between your own accounts.
That's where Rapid Transfers with Planters First Bank comes in.
Rapid Transfers make it easy to move money between your personal accounts at different financial institutions without the typical wait.*
Think of it as a bridge between your accounts, helping you access your money faster so you can stay on track with your financial goals. Simply link your external account in digital banking, choose whether to send or pull funds, review the details, and confirm your transfer. In many cases, your money arrives within minutes, giving you greater flexibility when timing matters most.*
Here are a few everyday ways Rapid Transfers can help:
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Cover an unexpected expense. Need to pay for a car repair or last-minute purchase? Move funds from another account without waiting several business days.*
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Keep your budget on track. If you accidentally left money in another bank, quickly transfer it into the account you use for everyday spending.
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Match your lifestyle. Whether you're booking a spontaneous weekend getaway, splitting travel expenses, or making an unplanned purchase, Rapid Transfers fit today's expectations for faster access to your money.
For many people—especially those accustomed to instant access in nearly every part of life—waiting several days for their own money can feel outdated. Rapid Transfers with Planters First Bank provides more financial flexibility, greater control over your money, and added peace of mind by helping you move funds when you need them most. If you're a personal banking customer and would like to learn more about Rapid Transfers, we're here to help. Start a conversation with our Solution Center directly through digital banking, or contact us using our online form. We'd be happy to answer your questions and help you get started.
*Rapid Transfers are available only for eligible personal (consumer) accounts and are not currently available for business account holders. Rapid transfers are typically completed within a few minutes but can take up to 48 hours. Small Fee and Near-Instant Delivery. There is a 1.75% fee ($0.50 minimum) when sending funds to an external account via debit card. Fees are not counted towards the daily limit. Daily limits are refreshed at 12:00 a.m. CT. Fund availability may vary depending on the receiving financial institution. There is a 0.75% fee ($0.50 minimum) when pulling money from an external account via debit card. Fees are not counted towards the daily limit. Daily limits are refreshed at 12:00 a.m. CT. Fund availability may vary depending on the receiving financial institution.