Setting up a transfer to an account that's not mine...

[Tiny]

I can now pay my HOA fees "electronically".   The HOA  lady gave me the Bank, the Account # and the Routing #.      I would really like to do this. 

But, I cannot figure out if I need to set up a "bill pay" or a Transfer OR something else (it's not a Zelle thing as I have the routing/account#)   from my Chase account with this info. 

If I do a "Bill Pay" set up it looks like Chase will mail them a check.  Which I don't want to do (I can mail them a check!)   Is there a way to set up a bill pay and enter the routing/account#?

If I do a "transfer" - I can enter in the routing/account info but it looks like it needs ME to sign into this account and then  - to verify the small deposit Chase will do to verify the account. 

I can't sign into the account - it's not mine - it's the HOA's account.     

Do I just let the nice HOA lady know to watch for the small deposit amount and then have her  verify the account  (send me the $$ info so I can verify on my end)??   

I ONLY want to be able to send money to this account (which I do not own).   

How am I think about this wrongly?  This shouldn't be that hard. 

[jerseygirl]

I just do bill pay for most
Yes the bank does send a check but I don’t need to write it out, find and address label or spend money for a stamp

I’m do let the electric company get payment from my account but all I did was fill out my bank info on the electric company form. I didn’t need to contact my bank

[Lizard Queen]

You would do an ACH. When I did AR, I would often get emails with the detail from the ACH payments that I would see come into the bank account everyday. Not sure if it may cost you (from your own bank) something to do it that way. I'd ask your bank.

[Artemis Windsong]

The way I did it to fund a CD with Discoverbank is I put my transfer information on their site. I picked the CD term and amount then they did the transfer and sent me a confirmation.

[Tiny]

After a lot of searching and googling for "help" - I can only do an ACH transfer to an account I own. I don't own the account I'm trying to send money to.

I can use a 3rd party vendor and send money to the HOA account - but there's a fee for that service (more than the expense of a stamp and envelop)

I'm going to ask about doing a Zelle payment to the HOA account. In theory, there's an email address associated with it... or a phone number.... so Zelle would work.

[nidena]

I've never had any trouble doing a transfer to account that wasn't mine so long as I had the routing and account #s.  I couldn't transfer anything out but there were no restrictions on in.

I use my BillPay to schedule everything.  The bank decides if it's a transfer of 1s and 0s or if they're going to send a check.  If they send a check, I know it'll take longer to clear since that requires a person to perform that activity on the receiving end.

[saveinla]

No - you dont have to sign into the receiving account. 

[TheOtherMe]

My utilities are all ACH drafts.  

I also do online bill pay, but have to make sure to give it enough time to get there if they are going to mail a check.  Usually my online bill pays are to small businesses around here that are going to receive a paper check.

[Tiny]

When I attempted to set this up thru Chase Bill Pay - It wanted me to choose a "payee" from their list of payees (which the HOA is not in). When I couldn't do that - I set up the "payee" manually but I pretty much got railroaded into giving Chase the name and address (no routing number/account) so Chase could cut a check and mail it.

My goal in setting this up was avoid a snail mail check whether I wrote it and mailed it or my bank doing it.

[nidena]

I've never used Venmo but have used PayPal.  All you need is the email address associated with the account--assuming they have a PayPal--and then you just send money to a friend.  Business transactions always incur fees so I always send it to "a friend".
I like the trackability of the transaction and that you can look up your transaction history.

[Lizard Queen]

Sorry, I should have said EFT. I always confuse the 2. EFT pushes out from your account. ACH authorizes the other party to pull from your account.