Bill Pay is a free service in online and mobile banking* that allows you to quickly and securely pay your utilities, credit cards, and other bills as well as track your payments. You can schedule exactly when you need your payments sent. You can also choose whether to make a one-time or a recurring payment. It’s convenient and good for the environment!
To sign up, log in to online banking, choose Bill Payment from the top tab and follow instructions to register.
Review the Bill Pay disclosure.
Frequently Asked Questions
How does bill payment work?
To help you understand the process, please review this diagram.
Is it possible to schedule recurring payments?
Yes. You can schedule recurring payments:
- Once a week
- Once every 2 weeks
- Twice a month
- Once every 4 weeks
- Once a month
- Once every 2 months
- Once every 3 months
- Once every 6 months
- Once a year
The final payment of a recurring payment scheme is designated by a ‘Final Payment Date.
How do I register for electronic bill payment?
Bill Payment registration is easy! The enrollment process for online bill payment involves a few simple steps. For your convenience, the application form is pre-filled with as much information as possible. The information displayed on the form is determined by a number of variables and may include the following: Primary Account Holder: This section is used to gather your name, address and contact information. Account Information: This section is used to indicate which account(s) you would like to use as your debit account(s) for the bill payment service. In addition, you can specify a security word (such as mother’s maiden name). Secondary Account Holder: The section is used to gather the name, address and contact information for a secondary account holder, if applicable. Disclosure (terms and conditions): If this information is presented on the enrollment form, clicking the check box allows you to accept the terms of the disclosure. A hyperlink is also present that allows you to open and view the complete text for the terms and conditions. To complete the enrollment process you must provide any additional information required and accept the disclosure statement (terms and conditions). Acceptance of the terms and conditions is required to access online bill payment services. When the enrollment information is complete, click Continue to confirm the information and begin the application review and approval process. Your information will be entered into the bill payment provider’s system. Within approximately 2 business days you will receive an email confirmation. You are now ready to use the Bill Payment service.
When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
When you update the information for the bill payment account, the changes are implemented virtually instantaneously.
Can I review previously paid bills?
Yes, in the View Payment History you can select a date range, filter, and sort bill payment transactions. Your history can then be downloaded or printed.
Can I use electronic bill payment with all my accounts?
No, only checking accounts can be used for bill payment purposes.
When can I start using electronic bill payment?
You can begin bill payment once you have received both your Account ID and your Personal Security Code. These items are required for the initial bill payment logon screen.
When is bill payment available?
You can schedule payments 24 hours a day, seven days a week.
Are my bill payment transactions reflected as Online Banking transactions?
All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.
Can I pay bills to payees outside the U.S.?
No. Payments cannot be made to Payees outside the U.S.
How do I add new payees?
You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.
Can bill payment be used when I am out of the country?
Bill payment provides you with peace of mind when you are traveling for an extended period of time. You may pay bills from outside the U.S. if you are using a compatible web browser. Payments may only be debited from U.S. bank accounts and may only be made to payees inside the U.S.
What do payees actually receive?
Electronic payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.
Who can be paid using the bill payment system?
Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.
Can I pay my bills on the weekend?
You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.
If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
Each bill payment is debited separately.
What if I do not have sufficient funds on the day my account debited?
Following is a summary of the Insufficient Funds procedure: A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to the Financial Institution. Upon the first return, all ACH will be automatically resend returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification. The financial institution will be contacted and verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.
Are all debits and credits sent out at the same time?
Yes, they are all sent out at the same time.
How are Bill Payment transactions reflected on my checking account?
All Bill Payment transactions are reflected as an ACH debit on the account statement.
What is ACH?
Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.
If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee. If you select an electronic payee with the address that matches that indicated on the payment coupon, the payment is routed incorrectly, then you will not be responsible for the late fee.
How do I place a 'stop payment' on a bill payment?
A payment may be edited or deleted any time before the “process date.” Payments that have been remitted electronically cannot be stopped.
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