Skip to main content

Payments & Transfers

Start Managing Your Money With Confidence

Transfer funds, schedule payments, pay bills, and manage loans with ease.

All your money movement in one secure, easy-to-use space.

Money Movement with 'Make a Transfer'

Whether you're moving money between your accounts, paying your monthly bills, sending funds to a fellow member, or making a loan payment.  Digital Banking gives you one secure place to manage it.

Transfer Between Accounts - Internal or External

Instantly transfer funds between your Cabrillo accounts — perfect for savings, budgeting, or moving money. External Accounts let you securely link accounts from other financial institutions to Cabrillo Digital Banking so you can transfer money, make payments, and manage your finances all in one place.

Moving money between your accounts is seamless — from your phone or your computer.

From your main menu, tap or click 'Make a Transfer'. Choose the account you’re transferring from and the one you’re transferring to, then enter the amount and timing.

  • Send money immediately
  • Schedule a transfer for a future date
  • Set frequency: weekly, biweekly, monthly, and more

View Your Activity Once completed, transfers appear under History or Scheduled Transfers, so you always know what's been sent and what's coming up.

Member-to-Member Transfers

Sending money to another Cabrillo Credit Union member is quick and simple with Digital Banking using a simple code-based connection.

Step 1 – Recipient Creates a Code

  • Log in and tap or click 'Make a Transfer'
  • Select Member-to-Member Accounts
  • Select the account to link
  • Choose Create Code and and create our own M2M Code
  • Tap Create Code to generate your unique link code

Step 2 – Sender Adds the Account

  • Log in and tap or click 'Make a Transfer'
  • Select Member-to-Member Accounts
  • Choose Add Account and select M2M Code
  • Enter the shared M2M Code
  • Add a nickname (ex: “John’s Savings”)
  • Tap Add Account

Step 3 – Make the Transfer

  • Log in and tap or click 'Make a Transfer'
  • Select Member-to-Member Accounts
  • From the Manage screen select the member
  • Click “From” and choose the linked “To” account
  • Enter the transfer amount (e.g., $3.00)
  • Tap Review, then Confirm

Easy for Future Transfers

Once connected, future Member-to-Member transfers become even faster — ideal for shared expenses, family transfers, or helping someone out when they need it.

Bill Pay - Schedule Payments

Pay your monthly bills from one convenient spot. Add payees, schedule payments, and set recurring schedules for total convenience. With Cabrillo’s Digital Banking, you can pay you bills all in one secure spot.

Get Started with Bill Pay

Log in to the Cabrillo Mobile App or online at cabrillocu.com.

  • Tap or click 'Pay Bills' from your dashboard.
  • Accept the Terms & Conditions if it's your first time.
  • Select Add a Payee to begin.

Adding Payees

Search for your payee in the directory. If they don’t appear, you can manually add:

  • Payee name
  • Phone Number
  • Bank Account Info (Routing & Acount)
  • Select the Account Type (Savings or Checking)

Making a Payment

  • Enter the payment amount
  • Select the date you’d like the payment sent
  • Set up recurring payments (weekly, monthly, custom)
  • Review and tap Confirm Payment

In Bill Pay, you can view all scheduled payments, review history, and mark favorites for quick access.

Loan Payments 

Pay your Cabrillo loans from your account or even an external account — quickly, securely, and on your schedule. You can even pay your Cabrillo loan with a debit card which gives you a fast and flexible way to make a payment. With Digital Banking, you can make a loan payment using your Cabrillo account — or an account from another financial institution.

Start Your Payment

  • Log in to Digital Banking
  • Select the loan account from your Accounts list
  • Tap the Make a Payment ($) icon
  • Choose the account to pay from

Flexible Payment Scheduling

Select:

  • One-time payment
  • Scheduled payments

If scheduling, choose:

  • Frequency (weekly, biweekly, monthly)
  • Start and end dates
  • Or the number of payments to make

Review & Confirm

On the Review Transfer screen, double-check your information, then choose:

  • Schedule
  • Edit
  • Cancel

Once scheduled, your loan payment will process automatically according to your settings.

Pay a Cabrillo Loan with a Debit Card

Paying your Cabrillo loan with a debit card gives you a fast and flexible way to make a payment.

Zelle®

Send money directly from your Cabrillo account using Zelle® — fast, convenient, and built into your Digital Banking experience

Benefits of Payments & Transfers

Cabrillo’s Digital Banking brings all your money movement into one secure, easy-to-use space.

  • Convenience: No more switching apps or logging into multiple sites
  • Control: Transfer, schedule, and review all from one dashboard
  • Flexibility: Pay now or automate with recurring schedules
  • Security: Built-in safeguards, including code-based member linking
  • Visibility: Clear payment history and upcoming schedules

Related FAQs

‘Make a Transfer’ lets you move money securely in one place — including transfers between your accounts, external account transfers, Bill Pay payments, Member-to-Member transfers, loan payments, and Zelle®.

 

Yes. Log in to Digital Banking on the mobile app or online and select Make a Transfer from the main menu. Choose the account you’re transferring from and the account you’re transferring to, enter the amount, and decide whether to send it now or schedule it for a future date. Review the details and select Confirm. You can view, edit, or delete scheduled transfers and see past transfers anytime in Scheduled Transfers or Transfer History.

Yes. Log in to Digital Banking on the mobile app or online and select Make a Transfer from the main menu. Choose Scheduled Transfers from the navigation panel, then select the transfer you want to manage. Choose Edit Transfer to update the details and Save Changes, or select Delete Scheduled Transfer and confirm to remove it.

Member-to-Member (M2M) Transfers let you securely send money to another Cabrillo Credit Union member directly within Digital Banking. Log in to Digital Banking and select Make a Transfer, then choose Member-to-Member Accounts. If you’re receiving money: Select Create Code, choose the account to link, and share the generated M2M code with the sender. If you’re sending money: Select Add Account, enter the member’s details or use their M2M Code, add a nickname, and save. Once linked, select Make Transfer to This Account, choose your funding account, enter the amount, send it immediately or schedule it for later, review the details, and select Confirm.

The recipient creates a secure M2M code in Digital Banking and shares it with the sender. The sender adds the account using the code, then transfers funds quickly and safely.

Yes. Log in to Digital Banking and select Pay My Bills from the main menu. Select Get Started, review and accept the Bill Pay agreement, then add a payee by entering their information and address. Once the payee is added, select Schedule a Payment, choose the account to pay from, enter the amount, and select the send and delivery dates. Review the details and select Confirm Payment. Your payment will be scheduled, and you can manage recurring payments, eBills, and AutoPay all in one place.

Log in to Digital Banking and select Pay My Bills, then choose the payee you want to pay. Select the account to pay from, enter the amount, choose the payment frequency and send date, review the details, and Confirm. To manage Bill Pay, select the payee and choose Manage to view details, payment history, or edit and delete payees. You can also view, edit, or cancel upcoming payments under Scheduled Payments.

Log in to Digital Banking and select Pay My Bills from the main menu. Select Get Started, review and accept the Bill Pay agreement, then add a payee by entering their information and address. Once the payee is added, select Schedule a Payment, choose the account to pay from, enter the amount, and select the send and delivery dates. Review the details and select Confirm Payment. Your payment will be scheduled, and you can manage recurring payments, eBills, and AutoPay all in one place.

To add a payee in Digital Banking, you’ll need the payee’s name, account number, phone number, and primary address.

Yes. In Digital Banking, select the payee you want to pay, choose the account to pay from, enter the amount, select the payment frequency (one-time or recurring), and choose the send date. Select Pay, review the details, and Confirm. The payment will appear in the Manage section.

Yes. Select a payee and choose Manage to view payee details, upcoming scheduled payments, and payment history. You can also view all upcoming payments under Scheduled Payments, where you can edit, update, or delete scheduled payments as needed.

Yes. Log in to Digital Banking and select the loan or credit card account from your dashboard, then choose Make a Payment. Select the account you want to pay from (Cabrillo or an external account), choose the loan or card to pay, enter the amount (regular payment, statement balance, current balance, or custom), and decide whether to pay now or schedule it for later. Review the details and select Confirm to complete your payment.

Log in to Digital Banking and select the loan or credit card account from your dashboard, then choose Make a Payment. Select the account you want to pay from (Cabrillo or an external account), choose the loan or card to pay, enter the amount (regular payment, statement balance, current balance, or custom), and decide whether to pay now or schedule it for later. Review the details and select Confirm to complete your payment.

Yes. When making a loan payment in Digital Banking, choose Scheduled instead of Now, then set the payment frequency and start date. Review the details and select Confirm to set up automatic payments.

Yes. Navigate to Scheduled Transfers or the loan account in Digital Banking to view upcoming payments. From there, you can review details, edit payment amounts or dates, or cancel scheduled payments as needed.

Yes. Log in to Cabrillo’s Digital Banking on the mobile app or online, select Make a Transfer, then choose Pay a Cabrillo Loan with a Debit Card. Review and accept the disclosure, select the loan, enter the payment amount, and provide your debit card details. Review the payment, select Submit, and you’ll receive a confirmation once the payment is complete.

Zelle® lets you send money directly from your Cabrillo account to people you know and trust — fast, convenient, and built right into Digital Banking.

Log in to Digital Banking on the mobile app or online and select Make a Transfer from the main menu. Choose the account you’re transferring from and the account you’re transferring to, enter the amount, and decide whether to send it now or schedule it for a future date. Review the details and select Confirm. You can view, edit, or delete scheduled transfers and see past transfers anytime in Scheduled Transfers or Transfer History.

Log in to Digital Banking and select your credit card account from the dashboard. Choose Make a Payment, select the account you want to pay from, choose the payment amount (statement balance, current balance, minimum, or custom), decide whether to pay now or schedule it for later, review the details, and select Confirm to submit your payment.

Yes. When making a transfer in Digital Banking, select Scheduled instead of Now, choose the future date (and frequency if needed), review the details, and select Confirm. You can view, edit, or cancel scheduled transfers anytime under Scheduled Transfers.

Log in to Digital Banking on the mobile app or online and select Make a Transfer from the main menu. Choose Transfer History to view all past transfers across your accounts. You can also visit Scheduled Transfers to view, edit, or delete upcoming transfers.

Recognized as one of America's Best
Regional Banks and Credit Unions 2026

by Newsweek and Plant-A Insights Group

Article on how Cabrillo Credit Union was Named One of America's Best Regional Credit Unions 2025