--- title: Transfers & Payments in UBT Business description: "Transfers and Payments in UBT Business Banking: A Step-by-Step Guide" --- [Skip to content](https://learningcenter.ubt.com/transfers-payments-in-ubt-business#main-content) English Show submenu for translations ![Union Bank & Trust](https://learningcenter.ubt.com/hs-fs/hubfs/UBT%20Blue%20White%20Outline%20-%202021%20March.png?width=500&height=68&name=UBT%20Blue%20White%20Outline%20-%202021%20March.png) Open main navigation Close main navigation - English Show submenu for translations - [Contact us](tel:+14024738542) [Contact us](tel:+14024738542) How can we help you? - There are no suggestions because the search field is empty. 1. [UBT Knowledge Base](https://learningcenter.ubt.com/?hsLang=en) 2. [UBT Business](https://learningcenter.ubt.com/ubt-business?hsLang=en) 3. [Money Movement](https://learningcenter.ubt.com/ubt-business?hsLang=en#money-movement) # Transfers & Payments in UBT Business ## UBT’s Business Banking platform offers a comprehensive suite of transfer and payment tools. Managing your business’s cash flow efficiently requires a banking platform that offers flexibility, clarity, and control. Whether you're moving funds between internal accounts, paying loans, or sending wires, the system is designed to be intuitive and secure. For more information about payment options, click [here](https://learningcenter.ubt.com/payment-options?hsLang=en). #### **Creating and Using Templates** Templates are ideal for recurring or complex transfers: 1. Go to **Send Money** \> **Create Template**. 2. Define the **template name**, **accounts**, **amounts**, and **memo**. 3. Save the template. 4. To use it later, select the template and click **Transfer Funds**. Templates streamline repetitive tasks and reduce the risk of errors. ### **Transfer Options** ##### **Internal transfers** To initiate an internal transfer between two of your accounts, follow these instructions: 1. Navigate to **Send Money** \> **Internal Transfer**. 2. Select the **From Account** and **To Account**. 3. Enter the **amount**, **transfer date**, and **frequency** (one-time or recurring). Note: These can be set out to go years in the future if needed. 4. If needed, add a **memo** for reference. 5. Click **Submit** to complete the transfer. #### **Multi-account transfers** This feature allows you to send funds to multiple transfers on the same date. If you need to fund an account, you will fund it first, then you can set up your multi-account transfer. - Choose different **dates**, **amounts**, and **accounts** for each transfer. - Add each transfer to the list, then submit them all at once. - You can also upload a CSV file. #### **Future-dated transfers** If you need to schedule a transfer for a future date: - Select the **transfer date** during setup. - Note: **Future-dated transfers from the old system will not carry over**. You must re-enter them in the new platform. #### **UBT-to-UBT transfers** You can transfer funds to other UBT customers if you know them and they have provided you with their account number. You can link another customer's account and deposit into that account; you cannot withdraw from that account. - Navigate to **Send Money** \> **UBT to UBT**. - Enter the recipient’s account number and other details when prompted. - Submit the transaction. #### **Wire transfers** UBT supports both **domestic** and **international** wires. For more information about wires, click [here](http://www.ubt.com/wiresguide).  UBT uses **dual control** for wire approvals: - The initiator drafts the wire. - An approver must enter a **VIP token code** to authorize it. - For multiple wires, use **Approve Selected** to enter the token once for all. #### **Exporting and printing transfers** You can export or print transfer records: - Use filters to narrow down the list (e.g., by date or type). - Click **Export** or **Print** to generate a report. ### **Payment Options** #### **Payment from file** For bulk payments: - Use the **Payment from File** feature to upload a pre-formatted file. - This is ideal for payroll or vendor payments. #### **Loan payments** To make a loan payment: - Navigate to **Send Money** \> **Loan Payment** - Choose or enter the loan you want to pay and enter additional details, as applicable - Submit the transaction. #### **ACH** For more information about ACH payments and detailed user guides and demos, click [here](https://www.ubt.com/business/treasury-management/electronic-payments-ach). 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