CO-OPTIMA REAL-TIME PAYMENTS

TRANSFER MONEY TO AND FROM OTHER FINANCIAL INSTITUTIONS IN REAL-TIME!

Members, you can send money to accounts held with other financial institutions on the island using our Co-Optima Online Banking service*.

 

  • Deposits and transfers occur in real-time.
  • Available via the Co-Optima Online Banking service.
  • Facilitates local money transfers only.
  • All transactions will be done via the Call Deposit (01) account.
Not Yet Registered?

If you are already a registered Co-Optima Online Banking user,
log in to your account via Online Banking or the Mobile App to begin

HOW TO TRANSFER MONEY USING CO-OPTIMA REAL-TIME PAYMENTS SERVICE

 

  1. Log in to you Co-Optima Online Banking account as normal
  2. From the Online Banking main page, click the RTP tab to proceed to the Real-time Payments main screen.
  3. Please proceed to setup your recipient(s) from the list provided by accessing the “Manage Recipients” option. You can add as many payees as you would like.
  4. Once your recipients have been set up, proceed to make a payment.
  5. On the main RTP page, choose the “Make ACH Payment” option which will allow you to send money.
  6. Follow the instruction enclosed under each section, review the details entered for accuracy and submit.

Frequently Asked Questions (FAQ’s)

Real Time Payment Online Dispute Form

Bonus Information and Tips:

 

  • All transactions attempted via the RTP service will be done using the Call Deposit (01) share record. Please remember to check your balance before attempting to send a payment.
  • Members are reminded to be cognizant of the details they enter when using the RTP service as they are responsible for the accuracy of this information.
  • One of the thirty-two transaction purpose codes listed must be used when completing a transaction. There is no provision for input of any other codes e.g. miscellaneous.
  • We recommend that you turn on transaction alerts via Co-Optima Online Banking. This may assist you in the early detection of fraudulent activity on your account and help you to stay informed.
  • Queries around any perceived discrepancies must be reported to the credit union within 72 hours. Submit your completed Real-time Payments (RTP) Online Dispute Form via email to contact@bpwccul.bb.
  • A refund is not guaranteed for disputed transactions
  • Resolution of disputed transactions can take up to 90 days.

 

 

  • Online Banking

Call us: (246) 622-9000

Toll-free 1-866-800-6146

Fax: (246) 437-8745

E-mail: contact@bpwccul.bb

This is where you belong

© Barbados Public Workers’ Co-operative Credit Union Limited