For a user, your app and your FI are one and the same. That means when they want to move money, they expect the experience in the app to be every bit as easy as asking a human to do it for them. Banno Apps make it easy. From internal to external, from recurring to one-time transfers, if a user can make a transfer at a branch, they can do it in the app.

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What kinds of transfers are available?

Banno apps offer a wide variety of configurations and options for money movement, but the transfers themselves can be defined by three different options.

Internal vs External
Internal transfers are transfers wherein both the From and To account are a part of the financial institution associated with the app. External transfers are transfers wherein either the From or To account are associated with a separate financial institution.
Immediate vs Scheduled
Immediate transfers are processed ASAP. Scheduled transfers are given a future date to process. Both immediate and scheduled transfers may be affected by available processing dates.
One time vs Recurring
One time transfers are processed once, whether scheduled in the future or processed immediately. Recurring transfers happen on a schedule based on user-provided criteria.

All transfers are handled through the same flow within the app for the end-user. While these options can significantly change how transfers are processed behind the scenes, the user will see all these options in a clear, unified flow.

How to make a transfer

The Transfers screen can be accessed via the Transfers card on the home screen, the Transfers item in the main menu, or by selecting the Transfer option from any valid From account view.

Transfers require three pieces of information by default:

This field represents the account the transfer will originate from. When selecting to transfer from the account view, the account selected will be filled in by default. Selecting the account will provide a list of all available From accounts. Internal accounts also display the account balance. Credit accounts instead show available credit.
This fields represents the account the transfer will be sent to. Selecting the account will provide a list of all available To accounts. Internal accounts will also display the account balance.
This field represents the dollar amount to transfer. The Submit button will be greyed out until a valid dollar amount is entered. If the amount entered is higher than the balance listed for the From account, a warning informs the user that the amount is more than they have to transfer, but the Submit button will still be active if the user wishes to attempt the transfer.

By default, entering these three items will create an immediate, one time transfer. Selecting More options provides functionality for other transfer types:

This field allows the user to create a recurring transfer. By default, this will be set to Once. The following frequency options are available:
  • Once
  • Weekly
  • Every two weeks
  • Twice a month
  • Monthly
This field allows the user to set a date, creating a scheduled transfer. By default, this will be set to Soonest available. Selecting the field will allow the user to choose a date from the calendar. For recurring transfers, this field will be labelled Starts and represents the the first date of the recurring transaction.
This field allows the user to enter a custom memo for the transaction. This is only available for immediate, internal transfers.

If both From and To accounts are valid, the switch icon will appear between the fields and can automatically swap the From and To accounts with a single action.

Beneath the Submit button, a custom transfer message informs users of transfer cutoff times. These times can be configured in Banno People. Note that while these configured cutoff times will be displayed in Banno Apps, Banno does not enforce these cutoff times. Cutoff times are based off of core processing schedules, while the Banno configuration acts as a disclaimer to the end user.

If external transfers are enabled, below this users are prompted to add external financial institutions to their transfer list via the Add account option.

Where do the account lists and balances come from?

From and To accounts are generated based on NetTeller entitlements, while balances are the same ones that appear on your end users’ account lists. As such, external accounts will not have balances available.

How does it work?

While available accounts are generated based on NetTeller entitlements, the transfers themselves are completed using existing transfer systems in your core. This transfer functionality varies depending on what kind of transfer the user initiates. While the end user will see very similar flows and inputs regardless of how they’re moving money, the action behind the scenes can vary based on a number of factors. To learn more about a particular type of transfers, see our in-depth articles on each type of transfer.


Will a transfer involving an account hidden from display still appear in the end user’s transaction list?
No, transfers made from or to a hidden account will not appear in their list of transactions.
For an internal transfer, can an end user add a memo if they left the field blank when they created the transfer?
A memo can’t be added after an end user created the internal transfer.

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