The RMO member-to-member money transfer platform. Send money instantly, 24/7 — with no fees when funds are received into an RMO Bank account.
RMOPay lets you send money to any RMO member instantly — no waiting, no hassle. Recipients can receive funds into their RMO Bank account for free, or to an external bank account or debit card for a small fee.
Log in to your MyRMO account through the app or online banking and select RMOPay from the menu.
Enter the member’s name, phone number, or email address. You can also select from your saved contacts.
Enter the amount, add an optional note, and tap send. Funds arrive in the recipient’s account immediately.
Unlike other payment apps, RMOPay is a member benefit — not a separate product trying to monetize your data. Your money moves directly between RMO accounts with bank-level security.
Send and receive money any time — nights, weekends, and holidays. No waiting 1–3 business days. Funds arrive the moment you tap send.
If an unauthorized transaction occurs on your account, you’re covered. RMO’s zero-fraud liability policy means you won’t pay a penny for fraudulent activity.
When the recipient receives funds into their RMO Bank account, there are zero fees. Receiving to an external bank account or debit card carries a small processing fee.
Every transaction is protected with 256-bit encryption, multi-factor authentication, and real-time fraud monitoring. Your money and data are always secure.
No separate app to download. RMOPay lives inside your MyRMO online banking — the same place you check balances, pay bills, and manage your accounts.
Split a dinner bill, collect rent from roommates, or request money from anyone in the RMO network. Send a request and they can pay with one tap.
We built RMOPay to give members something better than what’s out there.
| Feature | RMOPay | Zelle® | Cash App | Venmo |
|---|---|---|---|---|
| Instant transfers | ✓ | ✓ | Paid | Paid |
| No fees to bank account | ✓* | ✓ | ✗ | ✗ |
| Zero-fraud liability | ✓ | Limited | ✗ | ✗ |
| No separate app | ✓ | ✓ | ✗ | ✗ |
| Bank-level encryption | ✓ | ✓ | Partial | Partial |
| Split & request money | ✓ | ✗ | ✓ | ✓ |
| No data selling | ✓ | ✓ | ✗ | ✗ |
*Free when received into an RMO Bank account. Small fee applies when received to an external bank account or debit card.
Want a deeper head-to-head comparison?
Dinner with friends? Split the check instantly. Everyone pays their share right from their phone — no IOUs, no awkward requests days later.
Roommates can send rent to a shared member account on the first of every month. Set up recurring payments so you never miss a due date.
Send your college student grocery money, help a family member cover an unexpected expense, or send a birthday gift — all instantly. Free when received into an RMO Bank account.
Freelancers and small business owners can receive payments from RMO members instantly. Receive into your RMO Bank account with no fees and no processing delays.
RMOPay is available now inside MyRMO for all members. Not a member yet? Join today and get access to RMOPay and all the benefits of the RMO network.
Any RMO member can use RMOPay. Both the sender and recipient must be RMO members. Recipients can choose to receive funds into their RMO Bank account or to an external bank account or debit card.
There are no fees when the recipient receives funds into their RMO Bank account. If the recipient chooses to receive funds to an external bank account or debit card, a small processing fee applies. See the fee schedule in MyRMO for current rates.
Members can send up to $2,500 per transaction and up to $10,000 per day. Higher limits may be available for business accounts. Contact member services for details.
Transfers are instant. The recipient will see the funds in their account within seconds, 24 hours a day, 7 days a week, including holidays.
Because transfers are instant, payments cannot be canceled once sent. Always double-check the recipient and amount before confirming. If you sent money to the wrong person, contact member services immediately.
No. RMOPay is built directly into your MyRMO online banking experience. Access it from the MyRMO website or mobile app — no additional downloads required.
RMO’s zero-fraud liability policy protects you. If an unauthorized transaction occurs, report it immediately and you will not be held responsible. Call member services at (888) 764-3448.
