Internal or External Transfer

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Use the Transfer option to schedule a one-time transfer or a recurring transfer to or from an internal or external account. A recurring transfer is a scheduled transfer for a fixed amount at regular intervals. For more information on how recurring transfers work, go to Recurring Transfers. For more information on how Narmi handles ACH transfers, go to About ACH Transactions.

Note: Any scheduled transfer for a locked user will execute as scheduled, whether a risk rule or a Narmi Function locks the user.

To schedule a internal or external transfer:

  1. From the Transfer page on web or mobile, select Transfer.

    Options for sending money include transfer, bill pay, member to member, and wire.


  2. On the page that appears, enter the following information:

    • From – Select the account that the money will be transferred from. For instructions on adding a new external account, go to Add a New Account.

    • To – Select the account that will be receiving the money. For instructions on adding a new external account, go to Add a New Account.

    • Amount – Enter the amount of money to transfer. Transfer limits can be applied to individuals or organizations via segmentation. For more information, go to Transfer Limits.

    • Frequency

      • Once

      • Daily

      • Weekly

      • Every two weeks

      • 1st and 15th

      • Monthly

      • Yearly

    • Date – Select a date from the calendar that appears; the default is today’s date.

    • Memo (optional) – Enter a short description of the transfer. This will appear in the posted transaction's "Description" field. This memo is visible for recurring transfers and all subsequent transactions. To hide this memo field for all users, please contact your Narmi Relationship Manager.

      For web only, if your financial institution has limits on transfers or is set up to provide disclosures, a link to View your transfer limits and disclosures is available. For information on limits, go to Transfer Limits. For instructions on editing disclosures, go to Transfer Disclosures.

      Select Continue/Review to proceed with the transfer. At any time, select Cancel on the web app or the back arrow on the mobile app to cancel the transfer.

      Payment form showing transfer details, including amount, date, and account information.


  3. On the next page, review the transfer information and select Make Transfer.

    Reviewing a transfer from Primary Checking to My First Loan with details provided.


    Note: At this time, we do not allow transfers from a new external account to a new external account. 

Add a New Account

To add a new account to transfer money from or to:

  1. In the Make a Transfer dialog, select From or To, then select Add a new external account on web or Add an account on mobile.
    Interface for transferring funds between business accounts with an option to add external accounts.


  2. In the dialog that appears, choose to instantly or manually add a new bank account:

    • Instantly add – With this option, select the external institution and enter the credentials to instantly verify the account.

    • Manually add – With this option, enter the account and routing numbers for the external bank, which will be verified with two microdeposits.

      Options to add a new bank account: instantly or manually with details required.


  3. For manual adds, the account must be verified. Once the two microdeposits are received (which may take up to 3 business days), select your name in the upper right corner, then select Settings. Under Accounts, next to the account name, select Verify. In the dialog that appears, enter the amounts of the two deposits. Select Confirm and activate account. A confirmation message appears when the activation is successful.

    Verify your account with two small deposits and enter the amounts shown.

Edit a Scheduled Transfer

Important Information Regarding Editing Transfers

Editing transfers is NOT available if a user seeks to:

  • Edit a recurring transfer with an end date

  • Edit a transfer and maintain a frequency not supported by Narmi (for example, every six months)

    • You can edit to a frequency supported by Narmi. For example, if a customer recently converted to Narmi and has a transfer that occurs every six months for $100, they can edit it to occur every month for $100, but they cannot edit it to every six months for $101.

  • (Business banking only) Edit a transfer for which a user does not have permission to access both accounts (for example, a Collaborator who can only access the source account).

Editing transfers is not available if your institution uses the core for processing recurring transfers.


To edit a transfer on the web app:

  1. From the top navigation bar, select Accounts, then select the source or destination account.

  2. In the Scheduled transactions section, select the One time or Recurring tab (if available).

  3. Find the transfer and select the three dots, then choose Edit.

    List of scheduled transactions with options to edit and delete entries.


  4. In the dialog that appears, change any of the fields, then select Save changes.

    Editing a transfer from checking to savings with specified amount and frequency.


To edit a transfer on the mobile app:

  1. Select the source or destination account.

  2. Expand the Scheduled transactions section and select a transfer row to edit it.

    Tertiary checking account balance and scheduled transactions overview with transfer details.


  3. Change any of the fields and select Save changes.

    Editing a transfer from Tertiary Checking to Home Equity Line of Credit.

Delete a Scheduled Transfer

To delete a transfer on the web app:

  1. From the top navigation bar, select Accounts, then select the source account from which the money will be transferred.

  2. In the Scheduled transactions section, select the One time or Recurring tab (if available).

  3. Find the transfer and select the three dots, then choose Delete.

    Overview of scheduled transactions with options to edit or delete entries.


  4. In the confirmation dialog that appears, select Yes, delete.

    Confirmation prompt asking to delete a recurring transfer with options to cancel or proceed.


To delete a transfer on the mobile app:

  1. Select the source or destination account.

  2. Expand the Scheduled transactions section and select a transfer row to open it.

    Tertiary checking account balance and scheduled transactions including transfers and amounts.


  3. Select Delete on the upper right.
     Editing a transfer with details like amount, frequency, and next transfer date.

  4. In the confirmation message that appears, select Yes, delete.

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