Linking a bank to Pay Friends

Pay Friends moves money directly between bank accounts, so you link a bank once before you can send or receive.

Linking:
On /me/pay, tap "Connect your bank" and complete the secure bank-link flow. Your checking or savings account connects and appears in the "From" picker. Turtini never sees or stores your bank password — the connection is handled by the bank-linking provider.

Which connection can move money:
Money movement runs on a Plaid-linked account today. If you linked a bank another way (for example, a Stripe Financial Connections link used elsewhere in Turtini for read-only balances), Pay Friends will show a "Reconnect to send and receive" banner — reconnect that bank with Plaid to enable sending and receiving. Stripe-based transfers are coming later.

Fees and limits:
• No fee, ever — sending and receiving are free.
• $1.00 minimum, $3,000.00 maximum per payment.
• Turtini never holds a balance — every payment is bank-to-bank, so there's nothing to "cash out."