User Guide How to PayAnyone? Using this service is easy. The key steps are: Step 1: Log on to CitiDirect and click on "Transfers & Payments". - Step 2: Add a new payee. - Step 3: To add a payee, select "by electronic transfer" if you have the payee's bank account details. Select "by check" to enter only payee name and address. - Step 4: Select desired transaction - Step 5: Select to pay now or later. Remember to type in "birthday", "congrats" or "gift" in the Payee Reference #/Message box if you wish to have it mailed in the special envelope. - Step 6: Finally, key in your ATM PIN and execute transaction. [Back to top] [User Guide]