e-Banking Overview

Banking is made easier by using our convenient e-Banking and Bill Payment services. Bank online safely and securely 24-hours a day from the comfort of your own home or anywhere you have internet access.



  • Requires a Paper City Savings account to enroll for e-Banking
  • Offers e-Statements
  • Offers e-Bills
  • Offers Mobile Banking APP
  • View balance and history information for checking, savings, money market deposit accounts, Certificates of Deposit, Individual Retirement Accounts, mortgage, auto or personal loans and other loan products.
  • Transfer funds between accounts
  • Make loan payments
  • Make Account to Account (A2A) transfers
  • Make Person to Person (P2P) transfers
  • Account alerts sent via email address or mobile phone
  • Multi-layered security for your protection
  • Create export files to Quicken and Microsoft Excel
  • After hour inquiries, please email ebankingsupport@papercitysavings.com


Bill Payment Overview

Bill Payment Overview

  • It’s quick and convenient
  • Available through e-Banking and our Mobile Banking APP
  • No envelopes, no stamps, and no hassles
  • Easy to establish and maintain a complete payee list
  • Schedule current, future and recurring payments to payees
  • Account alerts sent via email address of mobile phone
  • 24×7 customer support – please call 1-866-873-9575 or email: papercitysavings@billsupport.com


Person to Person (P2P) Transfers

Person to Person (P2P) Transfers

  • Allows users to send money from another person anywhere within the United States at any time using only the recipient’s email address or mobile phone number
  • Person to Person (P2) transfers can be done from a checking or money market account
  • Daily limit is $500.00


Q. What are P2P payments?

A. P2P, or Person-to-Person, transfer service is an innovative way of sending or receiving money via email or text message. The service offers you the ability to request payments from anyone, or make fast convenient payments anytime, anywhere using your preexisting checking or savings account.


Q. What do I use P2P for?

A. P2P is an easy and convenient way for you to send money to others online – saving you a trip to the bank or credit union. 

You can use P2P to:

  • Send money to your child at college.
  • Send a gift to family and friends.


Q. How does P2P service work?

A. P2P works in two ways.

  • Sending money – To send money to anyone, enter the recipient’s email address or mobile telephone number, the payment amount, and a personal message you will send to the recipient, then follow the instructions to complete the payment. The recipient receives an email or text message with instructions explaining how they can accept the payment. The recipient then enters a confirmation number, email address, or mobile telephone number, and bank account information to accept the payment. Funds are automatically debited from your account and then credited to the recipient’s account.


Q. Can I set up a payment for a future date?

A. No, at this time you cannot set up payments for a future date.


Q. Can I set up a regularly recurring payment?

A. No, at this time, you cannot set up recurring payments.


Q. Can I send payments internationally?

A. Payments can be sent or received to/from others with a checking or savings account in the United States.


Q. What do I do if I want to cancel a payment?

A. To cancel a transfer, click Cancel in the Recent Transfers list on the Overview page. Once your payment request has been accepted by the recipient/sender, there is a limited amount of time in which you may cancel the transfer. Payments are processed continually throughout the day. You can cancel the request when it is in Pending status, before it is in In Progress status. Once your payment request has been transmitted to the ACH network, you cannot cancel the transaction.


Q. How will I know when a payment is complete?

A. You can check the status of your request in the Transfers, Payments & Donations list on the History page. Click on the reference number to track your payment.


Q. How long does it take to complete a funds transfer request?

A. It usually takes 2-3 business days to complete the transfer. The specifics will depend, in part, on the time of day you initiated the payment, how long it takes for the recipient to accept your payment request, and how quickly your financial institution updates your account after receiving the funds. Full details regarding your payments requests are viewable by clicking on the reference number in the Transfers, Payments & Donations list on History page.


  • Day 0: The Send/Receive Payment request is initiated. Payment is accepted. A withdrawal transaction is initiated and sent to the ACH Network.
  • Day 1: The withdrawal transaction is posted on the source account. Funds are sent to the destination account and they will be made available at opening of the next business day.

Note: A poor transaction history or no transaction history may result in an additional one-day hold on transfers, resulting in a total of three business days to complete the service.


Q. How can I check the status of my payment?

A. You can check the status of your request on the Transfers, Payments & Donations list on the History page.


Q. What do the different status designations mean?

A. There are five types of payment status:

Pending: Your request has been received and the system is preparing to initiate the debit (withdrawal) transaction upon acceptance of the (send/receive) payment request.

In Progress: The payment is in progress. You can see more details on the status of the payment by clicking on the reference number in the Transfers, Payments & Donations list.

Completed: The funds have been sent to the destination account. At this time, the transaction will be reflected in both (source and destination) accounts. Please check your online banking system or contact your financial institution to verify the availability of the funds.

Failed: The transfer could not be completed. More details on why the payment failed can be obtained by clicking on the reference number in the Transfers, Payments & Donations list on the History page. Typical causes of failed or returned payments are:

  • Lack of sufficient funds in the source account.
  • The recipient did not accept the payment or the request for payment within the seven-day limit.
  • The source or destination account is closed or frozen.

Occasionally, a return from the ACH system is received, indicating a problem with the transaction after the normal waiting period of two business days. Upon receipt of such error, the transfer is marked as Completed and then the status changes to Failed.

It is also possible that you will see a record of the debit on the source account’s statement or a credit on your destination account. If this occurs, the funds will be automatically credited/debited, depending on the error.

Cancelled: Your request to cancel the payment has been received. At this time, no further actions will be taken on the payment request.


Q. How do I get further details about payments that don’t go through?

 A. If a payment is unsuccessful, the status in the Transfers, Payments & Donations list on the History page is displayed as Failed. Click the reference number to see the full details about the transfer.


Q. Will my account information be shared with the recipient?

A. No, your checking or savings account information will not be shared with the recipient. The recipient will only see your name and the personal message you included with the payment request. Similarly, you won’t be able to see the recipient’s account information.


Q. What are the different ways to send money to someone?

A. You can send money to someone using his or her:

Email address: The recipient receives an email with instructions for how and where they can receive/send the funds.

Mobile telephone number: The recipient receives a text message with instructions for how they can make or accept the payment.

Note: If the recipient does not respond to the payment notification after three days, a reminder text or email message is sent. If the payment request is not accepted on fifth day, a final reminder is sent.


Q. Why do I have limits on my payments?

A. Limits are put in place for your protection. There are limits on the amount of money that can be transferred and the frequency of payments over a certain amount of time. Refer to the Limits & Fees section to learn more about the limits applicable to the service.


Q. Why am I asked to enter a message to the contact?

A. The message is an opportunity for you to tell the contact the reason for sending/requesting funds. It is helpful in creating the confidence that the money is coming from or going to someone familiar.




  • Electronic version of your bill that you receive directly within your bill pay product
  • View and pay bills immediately
  • Reduce the risk of identity theft by eliminating bills arriving in the mail
  • Not every payee offers e-Bills.
  • If a payee offers e-Bills, you must already be enrolled for online access at the payee’s site in order to use the e-Bills feature.
  • Set up alerts to notify you when your e-Bill arrives




  • Electronic opt-in/out through e-Banking
  • View or print an electronic version of your paper statement
  • Receive an email notification when your statement is ready to view within your e-Banking


Mobile Banking APP

Our Mobile Banking is APPsolutely Amazing!

  • Gives access to accounts from mobile device(s) when it's convenient for you
  • Mobile Banking App available to e-Banking customers
  • Make Person to Person (P2P) transfers
  • Bill Payment available to customers enrolled in Bill Payment through e-Banking at papercitysavings.com
  • Download the free app in the iTunes App Store (Apple) and Google Play Store (Android)
  • View account balances, check history and transfer funds
  • Must have an internet enabled Apple or Android mobile device
  • There may be data costs involved in accessing the mobile app from mobile device(s). Check with wireless plan or verify with wireless carrier.
  • Account security as nothing is saved on your mobile device

Mobile Banking FAQs

  • What is Mobile Banking?
    Mobile banking gives you access to accounts from a mobile web browser or a downloadable Mobile Banking app. Both options allow you to view account balances, check history, transfer funds and find the nearest branch location.
  • Is there a cost to use Paper City Savings mobile banking app?
    There is no cost to download the mobile banking app. There may be data costs related to accessing Paper City Savings mobile app from a mobile device. Please check wireless plan or verify with wireless carrier.
  • What equipment do I need to access the Paper City Savings mobile banking app?
    You will need an internet-enabled Apple, Android or Windows mobile device.
  • Where can I find the Paper City Savings mobile banking app?
    The app is FREE to download in the iTunes App Store (Apple) or Google Play Store (Android)
  • How do I register for mobile banking?
    Once you download the free app, and are enrolled in e-Banking, simply enter user name and password to log into accounts. If you are not currently enrolled in e-Banking, visit www.papercitysavings.com.
  • What accounts are available in mobile banking?
    You will have access to the same accounts you have through e-Banking. These can include both deposit and loan accounts.
  • How secure is the mobile app?
    The same security features and industry standards utilized for e-Banking will apply to mobile banking.
  • How can I protect my security and privacy?
    Your security and privacy is of utmost importance to Paper City Savings. For additional information regarding our privacy policy, visit www.papercitysavings.com. In addition to our security steps, you can also take these steps to protect information:
    • Always protect passwords - they are key to accessing online and mobile banking accounts. Do not share or write down passwords.
    • Do not create passwords with general personal information such as address, birthday, social security number or information of a close friend or family member. Be original with passwords.
    • Never leave mobile device unattended during sign-in to the Paper City Savings mobile app.
    • Apply password protection on mobile device(s).


Mobile Check Deposit

Mobile Check Deposit

Picture Yourself Using Mobile Check Deposit!

  • Allows you to make deposits to checking or money market account(s) using a mobile device
  • Take picture of the front and back of checks and securely deliver the images electronically
  • All mobile check deposits must include your endorsement along with “For Mobile Deposit Only” otherwise they will be rejected.