The rural credit cooperative transferred 500,000 yuan through online banking, received the text message, and had no money.

Generally speaking, bank transfer is divided into two situations: one is real-time arrival, and the other is arrival after 24 hours. If the account arrives after 24 hours, the transferor can cancel the transfer at any time within 24 hours after the transfer, which is beneficial to the security of the transferor's funds. If it's a payment transfer, be careful. You must wait 24 hours for the funds to arrive before you can deliver the goods safely. Otherwise, you will lose yourself.

If the transfer is successful, but the payee has not arrived, it may be caused by the following reasons:

The customer did not choose the method of real-time remittance when operating the transfer, but chose the method of remittance after 2 hours or the next day, so it is necessary to wait patiently. There should be some time for remittance after 2 hours or the next day.

Secondly, the customer's transfer amount is relatively large or cross-bank, and the receiving bank has not settled in time. It takes some time for the money to be transferred to the account, but it can't arrive in real time. It may take one or two working days to arrive.

Another possibility is that the customer did not carefully check the information of the collection account when transferring money and mistakenly transferred the account to another account.

In this regard, customers need to contact the wrong account quickly, ask the other party for a refund, and then re-operate the transfer by themselves, and then submit it after confirming that the collection account is correct.