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Bill Payment
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How do I make a payment to any payee?
Can I pay bills with my credit card?
Can I pay bills using my savings account?
Who authorizes payments?
Can you pay my bills automatically?
Can I use my regular checkbook?
How will I know when a payment has been sent?
Do I have to pay the entire bill amount?
Where do you send my payment?
How are payments issued?
When are checks issued to my payees?
When are electronic funds transfers sent to my payees?
How do I cancel a payment?
When will an authorized payment be debited from my account?
Are there any payments I can't issue?
What happens if I do not have enough money in my checking account to cover a bill?
Can I pay multiple bills?
Can I pay all of the bills in my Incoming Bills section at one time?
What happens if a bill is paid late?
What options do I have for scheduling recurring payments?
What is a filed bill?
Can I automatically file a bill without paying it?
Bill Payment
How do I make a payment to any payee?
Our streamlined, make-payment process is quick and easy. The Make Payments page
lists all of your payees. You just enter the amount you want to pay to each payee
and when you want your payment to be sent and click Make payments. We also list
for each payee the amount and date of your last payment. Once payments have been
entered, you will be provided a confirmation list of the payees you've paid,
including a summary of your payment details. If you have more than 40 payees, you
will be asked to select the payees first before continuing to Make Payments.
Can I pay bills with my credit card?
No, the application only accepts payments from demand deposit (checking) accounts.
Can I pay bills using my savings account?
No, the application only accepts payments from demand deposit (checking) accounts.
Who authorizes payments?
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.
Can you pay my bills automatically?
Yes. There are two ways that you can schedule payments automatically: Automatic Payments and Recurring Payments. Each is used in different circumstances. Automatic payments typically are used in situations where you are receiving your bill electronically in your Bill Inbox. Recurring payments typically work well with fixed payment plans like car loans or mortgages where you are not receiving a bill online.
If you would like us to automatically pay a bill that arrives in your Incoming Bills section, you may establish automatic payment rules. The automatic payment rule instructs us to issue a payment every month for a specific payee without requiring your approval each time. You can pay the full bill, pay the minimum due, or pay a fixed amount that you are comfortable paying each month. 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. You are contacted for approval if it is more than $200.
- Pay the minimum amount due every month.
- Pay $100 every month.
If you regularly make a payment for a fixed amount without receiving a bill, you can establish a recurring payment rule to make this payment automatically. For example, your mortgage company may have provided you with a coupon book instead of billing you monthly. You can tell us to issue this payment to your mortgage company each month.
You can receive an e-mail notification when an automatic or recurring bill is about to be
paid. To cancel payment on any of these bills, click the Cancel link in the Pending Payments section.
Can I use my regular checkbook?
Yes. We do not replace your checkbook. You can continue
to write paper checks as you normally would.
How will I know when a payment has been sent?
To verify that a payment has been sent, from your navigation links,
click Reports. The 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.
Do I have to pay the entire bill amount?
No. You decide the amount you want to pay towards each bill. As an added feature, you can use the Personal Notes tool to attach reminders to your bill indicating the reason the entire amount was not paid (dispute with
the payee, etc.).
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.
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.
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 8 PM CT. (If you schedule the payment after 8 PM CT, your payment will
be issued the following morning.)
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 8:00 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 8:00 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.
How do I cancel a payment?
To cancel a payment, click on the Cancel link in your Pending Payments section. You can
choose to cancel a payment up until 8:00 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 8:00 PM CT on the 9th.
You cannot cancel a payment on the designated day a payment is to be sent.
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.
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.
What happens if I do not have enough money in my checking 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.
Can I pay multiple bills?
Yes, when you click the Make Payments link you will see all of your Payees and your
most recent payment. On that screen you can enter the payment amount and the date
the payment should be sent. Once you've entered all the information, just click
Make Payments at the bottom of the screen and your payments are scheduled.
Can I pay all of the bills in my Incoming Bills section at one time?
Yes. You can pay multiple bills simultaneously from your Incoming Bills section using the Select all link. When
you click Select all, the boxes next to each bill will be checked. Just enter the amount you want to pay and when you click Continue payment your
payments will appear in the Pending Payments section, just as if you'd entered them one at a time.
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 checking account is funded on the day you issue payment, as some EFT
payments are posted to your payee's account on the same day.
What options do I have for scheduling recurring 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.)
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.
Can I automatically file a bill without paying it?
Yes, just click the "Don't pay this bill - I want this bill to be filed upon receipt" option on the Change Payment Options page and click "Save Payment Options."
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