Frequently Asked Questions

Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you. Back to top

Can you pay my bills automatically?

Yes. There are two ways that you can schedule payments automatically:

1. Automatic payment in response to an e-bill.

An automatic payment in response to an e-bill is a payment that you set up to go out every time you receive this e-bill without requiring your approval each time. You can pay the full bill, pay the minimum due, pay nothing and file the bill, or create your own rule for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:

Pay the entire bill if it is $200 or less. Pay nothing and send an e-mail notification if it is more than $200.
Pay the minimum amount due every month.
Pay nothing and send an e-mail notification.

You can also select when to pay the bill—either when the bill arrives or a designated number of days before the bill is due (10 is the default).

You will receive an e-mail notification when an automatic bill has been paid.

2. Automatic payment at regular intervals.

This type of automatic payment gets paid by establishing the interval when the payment should be made, along with other supporting payment details. You specify the amount, the frequency, the start date and the end date. Based on the duration of the loan you could also establish the end date of the automatic payment rule. For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months. Back to top

How will I know when a payment has been sent?

To verify that a payment has been sent, from your navigation links, click View Reports. The View Reports page appears. From the Report title listbox, select the appropriate report and click Generate report. You can also create a new report or edit an existing report. Back to top

Do I have to pay the entire bill amount?

No. You decide the amount you want to pay towards each bill. Back to top

Where do you send my payment?

We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent. Back to top

How are payments issued?

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account. Back to top

When are checks issued to my payees?

Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send on date at least 5 business days in advance of your bill due date.

So, for example, if your payment is due to the payee on the 15th of the month and you set the payment date in advance as the 10th, we will mail the check to your payee via first class mail. The money will be deducted from your account within 1-2 days of the send on date you provide.

If you wait until the 10th to set the payment to go out, you must authorize your payment before 9:30 PM CT. (If you schedule the payment after 9:30 PM CT, your payment will be issued the following morning.) Back to top

When are electronic funds transfers sent to my payees?

For payees who can accept Electronic Funds Transfers (EFT), we recommend that you set the send on date at least 3 business days in advance of the due date. If you authorize payment in advance, your EFT will be sent after 9:30 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 9:30 PM CT. Please note that some EFT transactions may clear your account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments. Back to top

Can I cancel a payment?

Yes, you can cancel a payment up until 9:30 PM CT on the night prior to the date you scheduled the payment to be sent. For example, if you have designated that your payment should be sent out on the 10th, you can cancel the payment up until 9:30 PM CT on the 9th. You cannot cancel a payment on the designated day a payment is to be sent. To cancel a payment, click the Cancel link in the Pending Payments section on the Make Payments page. Back to top

When will an authorized payment be debited from my account?

If the payee is being paid with either a paper check or an electronic payment, the amount of the payment will be deducted from your account within 2 business days of the payment processing date. Back to top

Are there any payments I can't issue?

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged, but may be scheduled at your own risk:

tax payments to the Internal Revenue Service or any state or other government agency
court-ordered payments, such as alimony or child support
payments to insurance companies

We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you've scheduled. Back to top

What happens if I do not have enough money in my funding account to cover a bill?

We issue standard, approved payments against your checking account. Just as with a paper check, you have to maintain sufficient funds in the account to cover all payment obligations. We are unable to notify you if you have insufficient funds. Please note that you may be charged an NSF fee for payments that are returned for insufficient funds. Back to top

What happens if a bill is paid late?

We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send on date that is at least 5 business days before a bill due date. This will allow a paper check issued on your behalf to arrive at your payee on time. For payees that accept Electronic Funds Transfers, you should schedule the payment 3 business days in advance of the due date. However, you should be sure that your funding account is funded on the day you issue payment, as some EFT payments are posted to your payee's account on the same day. Back to top

What options do I have for scheduling automatic payments?

You have the following options:

Weekly
Every other week. (Your payments will always be 14 days apart.)
Twice a month (Your first payment will be the same day every month, with the second payment 15 days later.)
Monthly (This is the default and most used option.)
Every 2 months (These payments will be every other month on the date you indicate.)
Every 3 months (These payments will be every 3rd month on the date you indicate.)
Every 6 months (These payments will be every 6th month on the date you indicate.)

You can set up an automatic payment on the Set Payment Options page. Back to top

What is a filed bill?

A bill that you do not want to pay using this website, but want to save for your records. For example, a bill with a zero balance or a bill that no longer needs to be paid. Once you file a bill, it is permanently removed from your Bill Inbox and cannot be paid. Back to top