With Central Bank Friend Pay, you can send anyone money by using their mobile phone number or email address. The recipient will receive an email or text notification with payment details and will be asked to enter their debit card or bank account information to collect the money. If they select a participating debit card, the funds will be sent to their checking account immediately. If they choose to collect the money by entering in a checking account number and bank routing number, the payment will be received within 2-4 business days. No registration or login is required to receive the funds.