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Elements will post all payments for Advance Child Tax Credits as funds are received from the IRS. To learn more, visit the IRS website.

Pay a Friend & Digital Wallet Options

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Pay a Friend

Send and receive electronic payments quickly and reliably.

Pay a Friend allows you to send and receive electronic payments quickly and reliably. It's a simple way to pay the people you owe on the go. Split lunch, pay the dog walker or settle up on gas by using online banking or the Elements Mobile App.

  • It's fast — Money is available within minutes1 after sending
  • It's free — Neither the sender or receiver are charged any fees for the service2

Don't have the Elements Mobile App? Download it below.

 Download on the App Store      Get it on Google Play

How to Use Pay a Friend: 

  • Log into online banking or the Elements Mobile App.
  • Select Transfer/Send Money from the menu, and then Pay a Friend.
  • Simply choose the person and their email or phone number you'd like to send money to. If you are using the Elements Mobile app, you can select a person from your contact list.
  • Choose the amount and the Elements Debit card you would like to send and receive money with.
  • Select continue - you will be prompted to a review screen where you can confirm your information and finalize your payment.
  • The recipient will immediately receive a text or email alert notifying them of how they can accept money.

Quick Advice about Contactless Payments

Contactless payments are becoming the new normal.

Mobile wallets are gaining in popularity around the world because of their convenience, security, and — more recently — their contactless appeal. The most prevalent mobile wallets include Apple Pay, Google Pay, and Samsung Pay. Each one allows you to input your credit and/or debit card information into a mobile device and make purchases both in-person and online, if accepted by the merchant.

Get Quick Advice about Contactless Payments

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  1. 1 Timing of Transfers: Transfers to remove the funds from the Sender’s Account may take place immediately. However, the timing of funds received will depend on when the Recipient responds to the email and when their financial institution posts the Transfer. The posting of the Transfer is dependent on the business days of that institution. Issues Affecting the Posting of Transfers: Other events may affect the timing or success of a Transfer reaching the intended Recipient. Such events may include, but are not limited to, errors made by the Sender or Recipient in entering information, inaccurate account or card number information, delays in posting by the receiving institution, acts of God, and network and NACHA interruptions. If we believe the Transfer may be illegal, we may decline or reverse the Transfer. The receiving institution may choose not to post the Transfer or to delay posting the Transfer. Neither the Credit Union nor the Service Provider is responsible for any delays in the Transfer of funds or the posting of funds to the Recipient’s Account. You may have certain rights and responsibilities regarding the failure to timely post transactions and you are encouraged to pursue dispute resolution with the receiving financial institution.
  2. 2 Elements Financial does not charge a fee to use this service. Check with your financial and cellular provider for out-of-network fees.
  3. 3 Elements Financial Health Savings Account Debit Cards are not available for Apple Pay. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
  4. 4 Elements Financial Health Savings Account Debit Cards are not available for Google Pay. Google, Google Pay, and the Google Logo are trademarks of Google Inc.
  5. 5 Check samsung.com/pay for compatibility. Elements Financial Health Savings Account Debit Cards are not available for Samsung Pay. © 2015 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Samsung Knox and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.
  6. 6 Elements Financial Health Savings Account Debit Cards are not available for PayPal.