Two new fast and easy ways to take control of your money.

It"s a matter of simple philosophy. Were always at your service to help guide your financial life, and were excited to introduce Orange Pay, person-to-person payments and CPFM, a new personal financial planning tool.

Orange Pay

A convenient alternative to cash and checks

Transfer money from your debit account to almost anybody else’s. It’s fast, easy and secure—no enrollment required. Just log in to your OBTC online account or mobile app with your debit card PIN and start sending money to friends and family now.

  1. Click “Send Money” in your online or mobile banking application
  2. Enter your name, email address and debit card
  3. Enter recipient name and email address
  4. Enter your existing debit card PIN



Person to Person Payments Frequently Asked Questions

Who can use person-to-person payments? Consumer customers.

What are some of the high-level features and benefits of person-to-person payments?

  • Included with digital banking
  • Easy to set up, and easy to use
  • Send money quickly (near-real-time in some cases)
  • Convenient: Send money from desktop, tablet or mobile phone
  • No networks to register with or join
  • Highly secure

What mobile devices can be used? iOS and Android devices are supported.

What do I need to send payments?

  • A debit card.
  • The recipients’ name, and email address or mobile phone number.

Where can I send payments to? Send payments to just about anyone in the U.S.

How is a recipient notified? Via email or SMS they will be informed that funds are available. Typically, an embedded link is then activated to the website of the sender’s financial institution.

How quickly will a recipient receive funds? For recipients with a debit card on a supported network, funds availability will be practically real-time. Other recipients should see funds deposited in 1-2 business days (via ACH).

Tell me more about security. Payment requests are validated via a secure online PIN pad, along with all the authentication measures of our digital branch.

Contextual Personal Financial Management (CPFM)

A self-service money management tool to help you manage and achieve your financial goals.

Enjoy a consolidated view of your account balances and spending habits through your Orange Bank & Trust online banking portal. You can also import other data and account balances of other financial providers. 

You’ll get quick, easy-to-understand views of

  • Budgets
  • Spending
  • Net Worth
  • Debts
  • Trends

To learn more about Orange Pay or CPFM, log in to your online banking to your see your account overview or contact your Orange Banker today!