Paper checks and wire transfers can finally be a thing of the past with Eagle Title EMD — delivering funds for your next real estate transaction is easier, safer, and quicker.


  • Fully Electronic, Encrypted & Secure
  • Initiate a Transfer within 90 Seconds
  • Connect to Any Financial Institution in the U.S.
  • Never Share Routing and Account Numbers
  • Stay Informed with Email Notifications
  • Accessible 24/7

It’s time to ditch paper checks! Click here to get started with your Earnest Money Deposit.

Are you looking for additional instructions before you begin? Here are step-by-step instructions for using the Eagle Title EMD software.


What can I pay for through the Eagle Title EMD software?

Eagle Title EMD is for earnest money deposits (EMD) only. Earnest money deposits are a sum of money you put down to demonstrate your seriousness about buying a home. The Eagle Title EMD software cannot be used for cash to close.

Eagle Title EMD is only available for Maryland, Virginia, and Washington D.C. transactions. Eagle Title EMD is not available for Delaware transactions.

How do I pay my Earnest Money Deposit using Eagle Title EMD?

Step-by-step instructions are available here. If you have additional questions, we’re happy to help! Please reach out to your Eagle Title settlement team.

How long will it take for my money to arrive?

The length of time it takes for your money to arrive depends on how you enter your bank credentials. Eagle Title EMD supports more than 12,000 banks nationwide through Plaid, a secure technology platform, that enables applications to connect with users’ bank accounts.

  • If you search for your bank and a picture of your bank appears, your timeline will be approximately 24 hours.
    • Payments initiated between 10am and 6pm will clear by 6pm the following day.
  • If when you enter your bank in the Eagle Title EMD program and no picture appears, you must manually enter your bank information. Manually entering your bank information requires additional security, adding an additional 24-48 hours to the processing time.
    • Eagle Title EMD will send you a small test transaction (up to $2.00). Once the test has successfully transpired, you can submit your EMD.

Can I add more than one account for the transfer?

Users can add more than one account in the same or another at a different bank. Simply click on “Add Bank Account”.

How do I remove an account and replace it with a different account?

Go to the “My Accounts” tab and click on disconnect. You can then add the correct bank under “Add Bank Account.”

I want to remove by bank account so it's no longer visible on the platform, is this possible?

Yes, go to the “My Accounts” tab and click “Disconnect”.

Why doesn't my checking account have the updated balance?

Bank balances are updated every 5 minutes. Please refresh your screen or logout & log back in to see the updated balance.

Can I use my spouse's account for the transfer even though I'm not the owner of the account?

Any user trying to remit funds must have the legal authority to access the bank account they want to connect with.

What type of checking account should I use to make my earnest money payment?

Any account not linked to a money market account that has “liquid” funds can be used.

Will I get a receipt?

Once you have clicked “Make Transfer” both you and Eagle Title will receive email notifications that the transfer has been initiated.

You will also receive an email notification when the transfer arrives in Eagle Title’s account. You can also add additional email recipients if you would like to send the transfer details to anyone else involved in the closing.

IMPORTANT NOTICE REGARDING EAGLE TITLE EMD: Please do not use the Eagle Title EMD for cash to close.