Ready to make your life easier? Contact Us Today! Spin P2P Frequently Asked Questions How do I set up a payee? Log in to your online or mobile banking application, choose Menu>Move Money>My Payees and select the + symbol to add a new payee. Who can I send a payment to? We recommend you only use Spin P2P with people you know. Do not use it to purchase things from individuals you have never met in person. How does the recipient know I sent a payment? Based on your selection, they will receive an email or text message stating you sent a payment. Do I have to send an invitation, or can I just send a payment? You do not have to send an invitation and can proceed to just sending a payment. However, if it is their first-time receiving money without previously getting an invitation, they will have to enter their debit card details at that time. What does the recipient have to do to accept the payment? If this is their first invitation or payment, they will have to enter their debit card details into the application. After receiving money, any additional payments will automatically transmit. Is it safe to enter debit card information? Yes, entering your debit card information is as safe as shopping online. Spin P2P uses data encryption to protect users against unauthorized transactions. Can the recipient place the funds on a credit card, or does it have to be a debit card? Spin P2P can only be used with a debit card that is tied to an active checking account. Will I know if the recipient has accepted the payment? You will not receive a notification of acceptance. If the money was not accepted, the amount will be deposited back into your account after 3-days. How long does the recipient have to accept my request and/or payment? The invitation and/or payment alert will expire after 3-days. What is my daily/weekly spending limits? Your daily limit is $3,000 and the rolling 7-day limit is $5,000. An increase or decrease to your limit amount can be arranged with bank manager approval. Who has access to send money? Any Fortifi Bank checking account holder with a linked debit card. Can I request money from someone? Not at this time, however, stay tuned for future enhancements. When does the money clear my account? You will see a pending transaction for the payment amount in your account immediately upon sending. What happens if the money I sent is not accepted? It will be returned to your account in 3-days. What happens if the money I sent is not accepted? Since payments are processed in real time, we cannot guarantee that we will be able to retrieve funds sent to a wrong phone number or email address. Contact us immediately if you have sent a payment in error. In addition, remove the wrong contact information from your Payees immediately. For other questions, please contact our Client Care Specialists at 855.876.1500 or email@example.com.