{"id":15546,"date":"2026-09-03T13:14:44","date_gmt":"2026-09-03T20:14:44","guid":{"rendered":"https:\/\/www.pointwestcu.com\/?page_id=15546"},"modified":"2026-09-11T16:53:15","modified_gmt":"2026-09-11T23:53:15","slug":"pagos-instantaneos-de-fednow","status":"publish","type":"page","link":"https:\/\/www.pointwestcu.com\/es\/fednow-instant-payments\/","title":{"rendered":"Pagos instant\u00e1neos de FedNow"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__page-hero\" ><div class=\"co-flex_row--row co-row\">\t<header class=\"co-page_hero  co-page_hero__calypso co-page_hero__has_image display-img-desktop co-page_hero__has_promos co-page_hero__promos_1\" aria-label=\"Encabezado: Pagos instant\u00e1neos de FedNow\">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"prow items-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--media pcol-lg:4\">\n\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"330\" src=\"https:\/\/www.pointwestcu.com\/files\/2026\/03\/4.jpg\" class=\"co-page_hero--img\" alt=\"miembros sonriendo y c\u00e1mara\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2026\/03\/4.jpg 330w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/4-300x300.jpg 300w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/4-150x150.jpg 150w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/4-12x12.jpg 12w\" sizes=\"auto, (max-width: 330px) 100vw, 330px\" \/>\t\t\t\t\t\t\t<!-- <div class=\"co-page_hero--blob\"><\/div> -->\n\t\t\t\t\t\t\t<div class=\"co-page_hero--blob left\">\n\t\t\t\t\t\t\t\t<div class=\"ps-blob\">\n\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 346 350\">\n\t\t\t\t\t\t\t\t\t\t<path d=\"M251.828 345.182c40.089-12.626 112.781-76.278 88.995-177.474-9.514-40.478-20.053-68.213-37.817-101.823C274.109 2.01 196.228-7.4 146.551 5.697 63.31 27.644-10.879 98.755 2.465 197.03c13.345 98.273 60.132 113.469 85.659 124.795 48.095 21.341 123.614 35.985 163.704 23.358Z\"\/>\n\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-page_hero--blob right\">\n\t\t\t\t\t\t\t\t<div class=\"ps-blob\">\n\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 373 387\">\n\t\t\t\t\t\t\t\t\t\t<path d=\"M248.84 12.929c-39.932-20.483-141.923-26.03-197.127 70.37C29.63 121.86 17.586 151.316 6.82 190.782c-24.19 71.33 28.748 137.43 76.38 164.787 79.812 45.84 188.368 46.736 249.464-39.516 61.095-86.252 36.22-133.357 24.852-161.411-21.419-52.857-68.745-121.23-108.677-141.712Z\"\/>\n\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text pcol-lg:4\">\n\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\t\tPagos instant\u00e1neos de FedNow\t\t\t\t\t<\/h1>\n\t\t\t\t\t<p class=\"co-page_hero--tagline\">El dinero circula r\u00e1pido. Ahora tus pagos tambi\u00e9n.<\/p>\t\t\t\t\t\t<div class=\"co-page_hero--buttons\">\n\t\t\t\t\t\t\t<a class=\"co-page_hero--button\" href=\"https:\/\/www.pointwestcu.com\/es\/pagos-instantaneos-de-fednow\/#whatisit\"  >\ud83d\udc49 \u00bfQu\u00e9 es FedNow?<\/a><a class=\"co-page_hero--link\" href=\"https:\/\/www.pointwestcu.com\/es\/speed-bump\/?url=https%3A%2F%2Fwww.frbservices.org%2Ffinancial-services%2Ffednow%2Forganizations&#038;prev=https%3A%2F%2Fwww.pointwestcu.com%2Fes%2Ffednow-instant-payments%2F\" target=\"_blank\" >Ver instituciones financieras participantes<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--promos co-page_hero--promos_count_1 pcol-lg:4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--promo\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--promo_rate_box\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--promo_rate_wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"co-page_hero--promo_rate\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"co-page_hero--promo_rate_number\">Enviar y recibir<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"co-page_hero--promo_body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLos pagos que cumplen los requisitos se procesan las 24 horas del d\u00eda, los 7 d\u00edas de la semana, incluso los fines de semana y festivos.\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__sticky-nav\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sticky_nav_wrap is-active\" id=\"js-sticky_nav_wrap\">\n\t\t<nav\n\t\t\tclass=\"co-sticky_nav\"\n\t\t\tid=\"js-sticky_nav\"\n\t\t\taria-label=\"Navegaci\u00f3n por ancla de p\u00e1gina\"\n\t\t>\n\t\t\t<div class=\"co-sticky_nav--mobile\">\n\t\t\t\t<button\n\t\t\t\t\tclass=\"co-sticky_nav--toggle\"\n\t\t\t\t\tid=\"js-sticky_nav_toggle\"\n\t\t\t\t\taria-label=\"Abrir y cerrar el men\u00fa de la p\u00e1gina\"\n\t\t\t\t>Men\u00fa de p\u00e1gina<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"co-row\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"co-sticky_nav--links\"\n\t\t\t\t\tid=\"js-sticky_nav_links\"\n\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#whatisit\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link\t\t\t\t\t\t\t\tjs-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"\u00bfQu\u00e9 es FedNow?\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\u00bfQu\u00e9 es FedNow?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#useit\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link\t\t\t\t\t\t\t\tjs-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"\u00bfPara qu\u00e9 puedo usar FedNow?\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\u00bfPara qu\u00e9 puedo usar FedNow?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#send\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link\t\t\t\t\t\t\t\tjs-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"C\u00f3mo enviar\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tC\u00f3mo enviar\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#receive\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link\t\t\t\t\t\t\t\tjs-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"C\u00f3mo recibir\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tC\u00f3mo recibir\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#know\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link\t\t\t\t\t\t\t\tjs-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Cosas que debes saber\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tCosas que debes saber\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#faq\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link\t\t\t\t\t\t\t\tjs-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Preguntas frecuentes\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tPreguntas frecuentes\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/nav>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__page-intro\" id=\"whatisit\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-page_intro\">\n\t\t<h2 class=\"co-page_intro--title\">\u00bfQu\u00e9 es FedNow?<\/h2><div class=\"co-page_intro--desc text-component\"><p><strong>FedNow<\/strong> Es la red de pagos instant\u00e1neos de la Reserva Federal que ayuda a las instituciones financieras participantes a transferir dinero en tiempo real. Esto significa que los pagos elegibles se pueden enviar y recibir en segundos, en lugar de esperar horas o d\u00edas para el procesamiento tradicional.<\/p>\n<div>\n<p>Ya sea que est\u00e9s reembolsando a un amigo, pagando a un contratista, enviando dinero a familiares o recibiendo un pago, <strong>FedNow<\/strong> Ayuda a que el dinero llegue a donde se necesita, cuando se necesita.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<p><a class=\"co-button\" href=\"https:\/\/www.pointwestcu.com\/es\/pagos-instantaneos-de-fednow\/#useit\">\ud83d\udc49 \u00bfPARA QU\u00c9 PUEDO USARLO?<\/a><\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__next_row_diff co-flex_row__long-form-text\" id=\"useit\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">\u00bfCu\u00e1ndo deber\u00eda usar FedNow?<\/h2><div class=\"co-intro_text--intro text-component\"><p><strong>FedNow<\/strong> Puede ser \u00fatil siempre que el momento oportuno sea importante.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-start\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:6 offset-md:1\">\n\t\t\t\t\t<h3 class=\"co-long_form--headline\" >Entre los usos comunes se incluyen:<\/h3><div class=\"co-long_form--content text-component\"><p>\ud83d\udcb8 Enviar dinero a familiares<\/p>\n<p>\ud83c\udfe0 Realizar pagos urgentes<\/p>\n<p>\ud83e\uddfe Pago a contratistas o proveedores de servicios<\/p>\n<p>\ud83e\udd1d Reembolsar a los amigos<\/p>\n<p>\ud83d\udcbc Recibir pagos por trabajo freelance o por encargo<\/p>\n<p>\u26a1 Acceda a los fondos m\u00e1s r\u00e1pido cuando cada minuto cuenta.<\/p>\n<p><span class=\"bold\">FedNow est\u00e1 disponible las 24 horas del d\u00eda, los 7 d\u00edas de la semana, por lo que los pagos no est\u00e1n limitados por el horario bancario tradicional.<\/span><\/p>\n<\/div><a class=\"co-long_form--button co-button\" href=\"https:\/\/www.pointwestcu.com\/es\/pagos-instantaneos-de-fednow\/#send\"  >\ud83d\udc49 \u00bfC\u00d3MO ENV\u00cdO DINERO?<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pcol-md:4\">\n\t\t\t\t\t\t<div class=\"co-long_form--media\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.pointwestcu.com\/files\/2026\/03\/2-300x300.jpg\" class=\"co-long_form--image\" alt=\"miembro sonriendo y c\u00e1mara\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2026\/03\/2-300x300.jpg 300w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/2-150x150.jpg 150w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/2-12x12.jpg 12w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/2.jpg 330w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__with-hr co-flex_row__long-form-text\" id=\"send\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Enviar dinero es f\u00e1cil<\/h2><div class=\"co-intro_text--intro text-component\"><p>Puedes enviar <span class=\"bold\">FedNow<\/span> Puedes realizar pagos directamente desde la banca en l\u00ednea o la aplicaci\u00f3n m\u00f3vil de Point West. Antes de comenzar, necesitar\u00e1s informaci\u00f3n de la persona a la que le enviar\u00e1s el dinero.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-start flex-row-reverse\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:6 offset-md:1\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><h3>Necesitar\u00e1s:<\/h3>\n<div>\n<p>\u2705 Nombre<\/p>\n<p>\u2705 N\u00famero de ruta<\/p>\n<p>\u2705 N\u00famero de cuenta<\/p>\n<p>\u2705 Tipo de cuenta (corriente o de ahorros)<\/p>\n<p>\u2705 Informaci\u00f3n de la direcci\u00f3n (si es necesaria)<\/p>\n<p>Una vez enviado, los pagos elegibles se pueden entregar en segundos a trav\u00e9s de <a href=\"https:\/\/www.frbservices.org\/financial-services\/fednow\/organizations\">instituciones financieras participantes<\/a>.<\/p>\n<p><a class=\"co-button\" href=\"https:\/\/www.pointwestcu.com\/es\/pagos-instantaneos-de-fednow\/#receive\">\ud83d\udc49 <strong>\u00bfC\u00d3MO RECIBO EL DINERO?<\/strong><\/a><\/p>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pcol-md:4\">\n\t\t\t\t\t\t<div class=\"co-long_form--media\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO-300x300.jpg\" class=\"co-long_form--image\" alt=\"Un miembro se\u00f1ala a la c\u00e1mara con un helado.\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO-300x300.jpg 300w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO-150x150.jpg 150w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO-12x12.jpg 12w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO-396x396.jpg 396w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO-350x350.jpg 350w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/smartE_HERO.jpg 400w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__long-form-text\" id=\"receive\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Recibir dinero es sencillo.<\/h2><div class=\"co-intro_text--intro text-component\"><p>Alguien quiere enviarte un <strong>FedNow<\/strong> \u00bfPago? Necesitar\u00e1n la informaci\u00f3n de tu cuenta para transferir los fondos a la cuenta correcta.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-start\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:6 offset-md:1\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><h3>Es posible que necesiten:<\/h3>\n<p>\u2705 Tu nombre<\/p>\n<p>\u2705 N\u00famero de ruta de Point West (323075495)<\/p>\n<p>\u2705 Su n\u00famero de cuenta<\/p>\n<p>\u2705 Tipo de cuenta<\/p>\n<p>\u2705 N\u00famero de identificador externo (si es necesario, <a href=\"https:\/\/www.pointwestcu.com\/es\/ayuda\/contactenos\/\">Por favor, ponte en contacto con nosotros.<\/a>)<\/p>\n<p>\u00bfNo sabes qu\u00e9 informaci\u00f3n de cuenta proporcionar? <a href=\"https:\/\/www.pointwestcu.com\/es\/ayuda\/contactenos\/\" target=\"_blank\" rel=\"noopener\">Estamos encantados de ayudar.<\/a>.<\/p>\n<p><a class=\"co-button\" href=\"https:\/\/www.pointwestcu.com\/es\/pagos-instantaneos-de-fednow\/#know\">\ud83d\udc49 <strong>\u00bfQU\u00c9 M\u00c1S DEBO SABER?<\/strong><\/a><\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pcol-md:4\">\n\t\t\t\t\t\t<div class=\"co-long_form--media\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.pointwestcu.com\/files\/2026\/03\/6-300x300.jpg\" class=\"co-long_form--image\" alt=\"miembro sonriendo y c\u00e1mara\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2026\/03\/6-300x300.jpg 300w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/6-150x150.jpg 150w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/6-12x12.jpg 12w, https:\/\/www.pointwestcu.com\/files\/2026\/03\/6.jpg 330w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__next_row_diff co-flex_row__long-form-text\" id=\"know\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Algunas cosas que debes saber<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-start flex-row-reverse\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:6 offset-md:1\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><p>&gt; <span class=\"bold\">FedNow<\/span> Est\u00e1 disponible las 24 horas del d\u00eda, los 7 d\u00edas de la semana, los 365 d\u00edas del a\u00f1o.<\/p>\n<p>&gt; Ambas instituciones financieras deben participar en el <span class=\"bold\">FedNow<\/span> red.<\/p>\n<p>Pueden aplicarse l\u00edmites a las transacciones.<\/p>\n<p>Los pagos se procesan r\u00e1pidamente, as\u00ed que aseg\u00farese de verificar la informaci\u00f3n del destinatario antes de enviar dinero.<\/p>\n<p>&gt; Ciertas transacciones pueden ser revisadas por motivos de seguridad y prevenci\u00f3n del fraude.<\/p>\n<p><a class=\"co-button\" href=\"https:\/\/www.pointwestcu.com\/es\/pagos-instantaneos-de-fednow\/#faq\">\ud83d\udc49 <strong>VER PREGUNTAS FRECUENTES<\/strong><\/a><\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pcol-md:4\">\n\t\t\t\t\t\t<div class=\"co-long_form--media\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.pointwestcu.com\/files\/2026\/01\/Untitled-design-3-300x300.jpg\" class=\"co-long_form--image\" alt=\"Jos\u00e9 s.\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2026\/01\/Untitled-design-3-300x300.jpg 300w, https:\/\/www.pointwestcu.com\/files\/2026\/01\/Untitled-design-3-150x150.jpg 150w, https:\/\/www.pointwestcu.com\/files\/2026\/01\/Untitled-design-3-12x12.jpg 12w, https:\/\/www.pointwestcu.com\/files\/2026\/01\/Untitled-design-3-350x350.jpg 350w, https:\/\/www.pointwestcu.com\/files\/2026\/01\/Untitled-design-3.jpg 380w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__faqs\" id=\"faq\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-accords_section\" aria-label=\"Preguntas frecuentes\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Preguntas frecuentes<\/h2><div class=\"co-intro_text--intro text-component\"><p>\u00bfA\u00fan tienes preguntas?<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15629\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfQu\u00e9 es FedNow?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>FedNow es el servicio de pagos instant\u00e1neos de la Reserva Federal que permite a las instituciones financieras participantes enviar y recibir pagos en tiempo real, las 24 horas del d\u00eda, los siete d\u00edas de la semana.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15630\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfCon qu\u00e9 rapidez se realizan los pagos?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>La mayor\u00eda de los pagos de FedNow est\u00e1n dise\u00f1ados para completarse en segundos.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15631\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfPuedo enviar dinero usando FedNow?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>S\u00ed. Los miembros de Point West pueden enviar pagos elegibles a trav\u00e9s de la banca en l\u00ednea y la aplicaci\u00f3n m\u00f3vil.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15632\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfPuedo recibir dinero usando FedNow?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>S\u00ed. Los miembros de Point West pueden recibir pagos de FedNow de las instituciones financieras participantes.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15633\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfQu\u00e9 informaci\u00f3n necesito para enviar un pago?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>Generalmente necesitar\u00e1s la siguiente informaci\u00f3n del destinatario:<\/p>\n<div>\n<ul>\n<li>Nombre completo<\/li>\n<li>N\u00famero de ruta<\/li>\n<li>N\u00famero de cuenta<\/li>\n<li>Tipo de cuenta<\/li>\n<\/ul>\n<p>Dependiendo de la instituci\u00f3n receptora, es posible que se requiera informaci\u00f3n adicional.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15634\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfQu\u00e9 informaci\u00f3n debo proporcionar si alguien quiere enviarme dinero?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>El remitente podr\u00eda necesitar:<\/p>\n<div>\n<ul>\n<li>Su nombre<\/li>\n<li>N\u00famero de ruta de Point West<\/li>\n<li>Su n\u00famero de cuenta<\/li>\n<li>Tu tipo de cuenta<\/li>\n<li>N\u00famero de Identificador Externo (si es necesario, <a href=\"https:\/\/www.pointwestcu.com\/es\/ayuda\/contactenos\/\">Por favor, ponte en contacto con nosotros.<\/a>)<\/li>\n<\/ul>\n<p>Si no est\u00e1 seguro de qu\u00e9 informaci\u00f3n proporcionar, <a href=\"https:\/\/www.pointwestcu.com\/es\/ayuda\/contactenos\/\" target=\"_blank\" rel=\"noopener\">Cont\u00e1ctenos<\/a> y le ayudaremos a identificar los datos correctos de su cuenta.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15635\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfEst\u00e1 disponible FedNow los fines de semana y d\u00edas festivos?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>S\u00ed. FedNow funciona las 24 horas del d\u00eda, los 7 d\u00edas de la semana, los 365 d\u00edas del a\u00f1o.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15636\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfNecesito una aplicaci\u00f3n aparte?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>No. Los pagos de FedNow se pueden realizar a trav\u00e9s de la banca en l\u00ednea o nuestra aplicaci\u00f3n m\u00f3vil.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15637\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfPuedo cancelar un pago despu\u00e9s de haberlo enviado?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>Los pagos instant\u00e1neos est\u00e1n dise\u00f1ados para procesarse de inmediato. Los miembros deben verificar cuidadosamente la informaci\u00f3n del destinatario antes de realizar un pago.<\/p>\n<div>\n<h2><\/h2>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15638\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfEs seguro FedNow?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>FedNow funciona a trav\u00e9s de la red de pagos instant\u00e1neos de la Reserva Federal, y las instituciones financieras participantes utilizan medidas de seguridad y prevenci\u00f3n del fraude para ayudar a proteger a sus miembros.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"15639\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header\t\t\t\t\t\t\tjs-accord_toggle\t\t\t\t\t\t\tclosed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfHay alg\u00fan cargo?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel\t\t\t\t\t\tjs-accord_content\t\t\t\t\t\ttext-component\">\n\t\t\t\t\t\t<p>Point West no cobra ninguna comisi\u00f3n por el uso de FedNow.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"co-accordion--cta\"><p>&nbsp;<\/p>\n<h3><span style=\"color: #e24301;\">\u00bfNo encuentras lo que buscas?<\/span><\/h3>\n<p><a class=\"co-button\" href=\"https:\/\/www.pointwestcu.com\/es\/ayuda\/contactenos\/\" target=\"_blank\" rel=\"noopener\">Cont\u00e1ctenos<\/a><\/p>\n<\/div>\t<\/section>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__back-to-top\" ><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\t\n  <a class=\"co-back_top--link\" href=\"#\" aria-label=\"\">\n\tVolver arriba\t<svg class=\"co-back_top--link_icon\" aria-label=\"Volver arriba\" width=\"18\" height=\"27\" viewbox=\"0 0 18 27\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.357965 8.16977L8.1358 0.359459C8.61308 -0.119821 9.38692 -0.119821 9.8642 0.359459L17.642 8.16977C18.1193 8.64905 18.1193 9.42612 17.642 9.9054C17.1647 10.3847 16.3909 10.3847 15.9136 9.9054L10.2222 4.19017L10.2222 25.7727C10.2222 26.4505 9.67498 27 9 27C8.32502 27 7.77783 26.4505 7.77783 25.7727L7.77783 4.19017L2.08637 9.9054C1.60909 10.3847 0.835252 10.3847 0.357965 9.9054C-0.119321 9.42612 -0.119321 8.64905 0.357965 8.16977Z\" fill=\"#FAAA64\"\/>\n\t<\/svg>\n  <\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-15546","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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