Move money, minus the mess.

FedNow for cheap, instant payments, ACH and Wires when you need them—without changing screens.
Interactive
Recipient Method Payment Review

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Instant payments with FedNow

It's like a wire transfer, minus the waiting. And the fees. And the 5 PM cuttoffs.

Payment Speed Comparison

Scheduled
FedNow
Near-instant
Wire
Same-day cutoff
ACH
≈1 day

The right rail for the right recipient

Urgent vendor payment? Use FedNow. Payroll run? ACH. Big transfer? Send a wire.

Feature FedNow Same Day ACH ACH Wire
Speed Instant Same-day 1–2 business days 30 minutes
Availability 24/7/365 Weekdays only Weekdays only Weekdays only
Cost $5 $2 Free $20
Best for Almost anything Urgent bills Recurring bills $1M+ transfers

Transfer across your accounts—effortlessly

Transfer funds between your own accounts in a few taps. Instant when it's SerraFi to SerraFi. Still seamless when it's not.