Instant Payments through FedNow and RTP®


Want the fastest transfers to your Visions account? Use instant payments.

The quickest way to move money from one financial institution to another is instant payments. If you’re moving funds to a Visions account, that means using either the FedNow Service or the Real-Time Payments (RTP®) Network.

  • FedNow
    This new instant payments infrastructure was developed by the Federal Reserve to provide safe and efficient instant payment services to financial institutions of all sizes across the US. FedNow instant payments have a domestic transfer limit of $500,000.00 per transaction.
  • Real-Time Payments (RTP®)
    Provided by The Clearing House (TCH), the RTP® Network instant payments service offers real-time funds availability to recipients, typically funded within seconds. These transfers have a limit of 1,000,000.00 per transaction.

To send funds to your Visions account, all you’ll need is your account number and Visions routing number (221375378). 

Individual accounts and business accounts at Visions can receive instant payments through both networks, available 24/7/365 for participating financial institutions. Contact your other financial institution(s) to ask if they send funds through either FedNow or RTP®. Note: Visions does not initiate or send instant payments through FedNow or RTP®. We participate as a receive-only financial institution.

FedNow and Real-Time Payments FAQ

  • When are the funds from an instant payment available in my account?

    When you receive an instant payment through the FedNow or RTP® network, the available balance updates immediately. The funds are typically available in the account as soon as Visions receives the transaction, which can be a matter of seconds.

  • Who can send a FedNow or RTP® instant payment?

    The sender who originates the payment must have an account with a financial institution that offers the capability to send payments through the FedNow or RTP® network. Visions currently does not send instant payments through either network. We operate as a receive-only financial institution.  

  • What is the difference between instant payments, ACH, and Wire Transfers?

    The biggest difference is funds availability and processing times. 

    Although same-day ACH and Wire Transfers move funds quicker than a next-day ACH or check, they still aren’t processed as quickly as RTP® or FedNow transactions. Here's how they stack up:


    RTP® or FedNow

    Same-Day ACH


    Typical Funds Availability


    Throughout Transaction Day




    During Business Hours

    During Business Hours


  • What if I send an instant payment transaction to the incorrect account number?

    Instant payments through Real-Time Payments and FedNow are final and irrevocable, which means if the incorrect account number is provided to the sender, there’s no guarantee the funds could be recovered.

Visions Federal Credit Union

Log in here with your Online Banking ID:

Online Enrollment

Forgot Password

Forgot User ID/Unlock Account

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.