What is Express Pay?
Express Pay (also known as Real-Time Payment or RTP) is a new feature within Fingercheck’s Pay On-Demand. It allows you to transfer your available Pay On-Demand balance instantly to your connected bank account.
Unlike standard bank transfers that can take 1–3 days, Express Pay sends the funds immediately—even on weekends and holidays.
How to Request Express Pay
Log in to the Fingercheck Mobile App.
Navigate to the Pay On-Demand section.
Select the Amount you wish to withdraw from your available balance.
When prompted for a delivery method, choose Instant Pay / Express Pay.
Note: If your bank is eligible, you will see the $3.99 fee and the instant transfer option.
Confirm the transaction.
Look for the success message: "Success! Your money’s on the way." Check your bank account; the funds should appear in seconds.
Is My Bank Eligible?
Express Pay relies on the RTP (Real-Time Payments) Network. While many major banks support this, not all do yet.
If your bank is eligible: You will automatically see the option to transfer instantly for $3.99.
If your bank is NOT eligible: The app will notify you. You can still access your funds instantly by using a PayCard for same-day access or the tsnadrd delivery with your bank account.
Check here to see if your bank is eligible.
Tip: If you do not have a bank account connected, add one in your profile settings to unlock Express Pay, or request a PayCard to get your funds faster.
Payment Options & Fees
We offer flexible options depending on how fast you need your funds.
Option | Speed | Fee | Best For |
Express Pay (RTP) | ⚡ Minutes | $3.99 | Immediate cash directly to your bank. |
PayCard | ⚡ Minutes | $2.99 | Fast access if you use a PayCard. |
Standard | 1–2 Business Days | $2.99 | Planning ahead with lower urgency. |