receive your money in real-time

Instant payments are revolutionizing the way money moves, and now at Capitol Federal®, you can enjoy the convenience of receiving payments instantly through the Real-Time Payment (RTP) network (processed through The Clearing House) and the FedNow Service (processed through The Federal Reserve).

For personal accounts

With instant payments, transferring funds between bank accounts happens almost instantaneously through RTP and FedNow, simplifying the payment process. Enjoy 24/7/365 access to receiving funds, ensuring you never miss a payment, even on weekends and holidays.

Capitol Federal deposit account customers are automatically eligible to receive instant-payment transfers to their Capitol Federal deposit accounts. There’s no need to take any action to activate this feature; it will be enabled by default. When someone sends money to your account using an instant payment method (that supports RTP or FedNow), you’ll see the funds appear almost instantly.

for business accounts

Businesses can also benefit from instant payments through the RTP network and FedNow Service. Now you do not have to wait for payments to clear; with instant payments, funds appear in your account almost instantly after they are sent, optimizing your cash flow.

The RTP network and FedNow Service offer higher transaction limits, providing greater flexibility to securely receive large payments. Transaction limits for the RTP network are $1 million, while the FedNow Service allows transactions up to $500,000.

Your business is automatically enrolled in this service, with no additional steps required. When someone sends your business money using an instant payment method, the funds will be received in your account almost instantly.