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You can move funds between your checking accounts and your ATP account at any time. If you have multiple checking accounts, you can also transfer between them. To transfer funds, go to Banking > Move Money > Send Money > Internal Transfer. Select the source and destination accounts, enter the amount you’d like to move, review the details, and click Confirm. One-time transfers are processed immediately and reflected in both account balances once completed. Ensure sufficient available balance in the sending account before initiating the transfer.
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Schedule a recurring internal transfer

You can also schedule internal transfers to repeat on a recurring cadence instead of running immediately. On the amount step of the Internal Transfer modal, toggle Make this a recurring transfer. You’ll be prompted to choose:
  • Frequency: how often the transfer should repeat (for example, daily, weekly, monthly, or a custom cadence).
  • First transfer date: the date the first occurrence should run.
  • End condition: when the schedule should stop (for example, never, on a specific date, or after a number of occurrences).
On the confirmation step, a Recurring transfer schedule summary shows the frequency, the first transfer date, and when the schedule ends. Review it and click Confirm to create the schedule. No funds move until the first scheduled transfer date. Recurring internal transfers appear alongside your other recurring transfers under Settings > Banking > Manage recurring transfers, where you can edit the amount, frequency, or next transfer date, or cancel the schedule. See Manage recurring transfers for details. Karat is a fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.