1
Choose a recipient
Select a saved recipient from your external
recipients list, or add a new one.
2
Enter payment details
Enter the amount and choose a transfer method. Every transfer method is enabled on your Lemma account, but Lemma checks the recipient’s routing number and disables any method their bank does not accept. ACH, RTP, and FedNow transfers are free to send. Wires and checks have small sending fees listed on the pricing page. The RTP and FedNow networks cap how much you can send in a single transfer, but you can send multiple transfers in a row to move a larger amount.
Wire transfers carry the recipient’s address on the Fedwire network, which
allows at most 35 characters each for address line 1, address line 2, and
city. If any of those lines is longer, Lemma rejects the wire when you send
it and the error names each line that is over the limit. Recipients cannot
be edited, so add a new recipient with a
shorter address to send the wire. Other transfer methods are not affected
by this limit.
3
Review and confirm
Review the transfer details and confirm. For wire transfers and check
mailings, the fee is deducted from your account automatically.