There are two ways to send payments: you can directly transfer the money into your payee’s bank account with their account and routing number, or you can send a payment with our bill pay service.
Sending a payment
- Log in to Azlo on the web or our mobile app.
- Make sure you've accepted the bill pay terms and conditions. (If you haven't, you'll see a little prompt right after you log in, below the image of your Azlo card.)
- Click or tap the Move money button.
- Type in the name of the person or company you’d like to pay.
- Many common billers are pre-filled; if you type their name, they’ll pop up as popular billers with a Pay Bill button.
- If you’re paying a person or a smaller company, you’ll need to create a new contact with their name and address. Then, click on the contact and you’ll see the option to Mail a check.
- Enter the amount of your payment, and the date you'd like the payment to arrive. You'll see a calendar with the date the funds will be held and the date your payment will arrive.
How are payments sent, and how long do they take?
- If your payee is part of our bill pay provider’s electronic network, the payment will be sent electronically and arrive within 1-2 business days.
- If your payee isn’t part of our bill pay provider’s electronic network, the payment will be sent as a mailed check. It will arrive within 5 business days.
Are there any limits?
- There’s a limit of $10,000 per payment (except in Florida, where the limit is $2,500 per payment, and New Mexico, where the limit is $1,000 per payment). That's it; there aren't any daily or weekly limits.
Payments vs. personal checks
- Azlo doesn't offer personal checks, and if you get checks printed elsewhere with your Azlo account and routing number, they won't work. Also, some companies will attempt to process payments with your account and routing number as eChecks, which are not supported.
- Mailed checks (which are sent by our bill pay partner) and payments are often a good alternative.
- One key difference is that with personal checks, the funds aren't withdrawn until the person you're paying cashes the check. With bill pay checks, the funds are withdrawn as soon as the check is sent—which makes accounting a little easier and ensures the check won't bounce for insufficient funds.