- About Us
What are P2P Payments?
P2P or Person-2-Person Payments are a digital cash alternative that make sending money fast, easy and secure.
Fast – You initiate a payment from your smart mobile device using your debit card and PIN. Your recipient receives funds almost immediately.
Easy – The feature is ready to use on our mobile app – doesn’t require additional registration
Secure – No need to share your account number with anyone. Securely send money with just an email address or mobile phone number.
Requirements to send money:
- You must have a Charlevoix State Bank debit card linked to a personal checking account
- You must be enrolled in Online Banking and using our App. Not enrolled? Visit our homepage to “Enroll”. Don’t have our App? Simply download it on the App Store or get it at Google Play
How it works:
Log into your online account using our mobile app
Click on P2P (upper left menu bar or in the quick links for Apple devices)
Click Payment -> enter payment information
Agree to the User Agreement or cancel if you do not wish to continue
Enter debit card PIN
The recipient receives a notification with the payment details and enters his/her debit card or checking account information to collect the money. No registration or login required for the recipient.
How much does P2P cost?
Does the recipient have to be a Charlevoix State Bank accountholder?
My recipient didn’t receive the text notification, now what?
Be sure the mobile phone number is correct. If number is correct, the recipients mobile cell provider may be fraud blocking the text.
You can send payment using email option instead by creating a new payment.
The text payment will need to be cancelled by a Charlevoix State Bank Customer Service Rep or it will automatically reverse in 10 calendar days.
What PIN do I enter to send a transaction?
Is there a limit to the amount of money or number of payments I can send using P2P?
After I make a payment, when will the funds be taken from my account?
When do the funds become available to the recipient?
My recipient tried to collect the funds using their debit card, but it said their card wasn’t eligible.
If I send money, what happens if the receiver doesn’t collect it?
How do I cancel a payment?
To cancel a payment that has not yet been collected, contact a CSB Customer Service Rep at
231-547-4411. If the payment has already been collected, Charlevoix State Bank will be unable to retrieve the funds.