5:00 p.m.

When the recipient uses their debit card to accept the funds, it is real time. If they choose to accept funds in their checking account, it can take up to 5 business days.

Pay a Friend allows you to send money to other people anywhere, anytime through the Payments feature in Online Banking. You will need to know the recipient's email or mobile number. Initial setup requires a participating debit card.

You can send money using only the recipient's email address or mobile number. First, you will be prompted to accept the "Heartland Pay a Friend" terms and conditions.

• Before you can choose SEND on the next screen, you will need to click on "Manage Cards" and add a participating debit card(s) 
• Then choose SEND and enter the rquested information
• Choose the debit card to be used
• Click "Continue" to complete the process

Yes, once you are enrolled in Bill Pay, you will see the Pay a Friend tab for this service.

There are no fees to send or receive money.

The recipient has 10 calendar days to collect the payment. Email reminders are sent on the 3rd and 7th days.

If the payment is still unclaimed by the recipient at the end of the 10th day, you, as the sender, will receive a refund within 2 business days for the payment.

Payments will debit your account on the scheduled Send Date, and the credit will appear in the recipient's account in 1-2 business days after accepting the payment.