Bill Pay Frequently Asked Questions
• What can Members do through Online Bill Pay?
• What is the fee for the Online Bill Pay service?
• When is the money withdrawn from my account after I pay a bill?
• Will I be able to view my payment history for a specific payee?
• How long will it take for my bill payment to be credited by the payee?
• How far in advance should I set up my payments to be paid?
• Why do you need to know the phone number of the payee?
• How do I know if a payment is going to go through electronically or by a paper draft (check)?
• Are there specific days of the week that payments are made?
• Why can't I schedule a payment for a Friday or a Saturday?
• Does our existing overdraft protection work for the Bill Payment feature?
• What do I do if the intended payee never receives my payment?
Answers
What can Members do through Online Bill Pay?
Setup automatic payments for recurring bills of the same amount, such as your mortgage bill Set up payments to be made to accounts at different times for different amounts, such as your phone bill.Pay people directly using Popmoney® personal payment service with an email address or mobile phone number. Click here for more information on Popmoney.
What is the fee for the Online Bill Pay service?
There is no fee for Online Bill Pay.
When is the money withdrawn from my account after I pay a bill?
If the payment is paid by ACH it will be taken from your account on the date you chose the payment to be made. Example – I want my mortgage paid on Wednesday the 1st. The payment and credit will take place on the 1st. If the payment is paid by check the payment will be debited when the check is processed by the payee. Example – I want my lawn care service paid on Wednesday the 1st. The check is guaranteed to arrive on the 1st. The payee is then responsible for cashing the check.
Will I be able to view my payment history for a specific payee?
Yes, you will be able to recall at least two years of payment history for a specific payee.
How long will it take for my bill payment to be credited by the payee?
The vast majority of payments will be debited from your account on the day they are due, or on the date you schedule them to arrive at the payee. A limited number of payments may take up to 5 business days.
How far in advance should I set up my payments to be paid?
Schedule bills to be paid on the day they are due instead of the day you would send the payment- so you can hold on to your money longer.
What do I do with the part of the invoice or bill that I usually send back to the payee with my check? Does the payee need that to process my payment?
No, you can simply shred or destroy it. All of the necessary information is provided to your payee through our Online Bill Pay system.
Why do you need to know the phone number of the payee?
The phone number is necessary because if we need to research a payment, we can contact the payee directly on your behalf.
How do I know if a payment is going to go through electronically or by a paper draft (check)?
On the right-hand side of the calendar it will indicate how the payment is going to be processed.
Are there specific days of the week that payments are made?
Payments can be scheduled for arrival Monday through Friday, excluding federal holidays.
Why can't I schedule a payment for a Friday or a Saturday?
Payments are processed according to the typical Federal Reserve schedule. The calendar will gray out any non-processing days.
Does our existing overdraft protection work for the Bill Payment feature?
Yes, it works just like regular checks do within your account.
What do I do if the intended payee never receives my payment?
Go to the Payment History section and click on the payee you wish to dispute. That will display the dispute form for you to fill out and submit electronically.
