ONLINE BILLPAY
What is Online BillPay?
Online BillPay is a service that lets you pay your bills using the Internet. It's easy and fast. No checks to write, no envelopes to address and no stamps to lick --- and it's absolutely FREE.
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What can I do through Online BillPay?
In addition to the services provided through Online Banking, you will be able to:
- Schedule automatic payments for recurring bills of the same amount - like your mortgage loan
- Make payments to several payees from one screen
- Make simple payments for different amounts at different times - like your phone or utility bill
- Review upcoming scheduled payments and make changes or cancel them
- Setup BillPay alerts to notify you when a payment has been made
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How much does Online BillPay cost?
Online BillPay is free provided you have a personal checking account.
If you have small business checking account, Online BillPay is free for the first 15 payments a month. After that, each payment you make is just $.50.
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What type of account do I need for Online BillPay?
To use Online BillPay, you will need a personal or small business checking account. BillPay payments must be made from an eligible checking account. Money Market and Savings are not eligible for BillPay.
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How do I enroll for Online BillPay?
If you currently use Online Banking and have a personal account, you simply need to click Pay Bills, review and accept the Terms and Conditions, select your primary account and you will be ready to go!
If you have a small business account, simply select Online Banking & BillPay from the Apply Online dropdown box on the homepage. Click Enroll, follow the instructions, and when your application is complete, print it off, sign it and mail or fax it to us. You will receive a letter in the mail letting you know you are enrolled in BillPay.
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To whom can I make payments?
Online BillPay may not be used for the following types of payments:
- Payments to settle securities transactions
- Payments to payoff special or delayed financing for purchases
- Payments to credit counseling agencies who pay creditors on your behalf
- Payments to payees outside of the United States
- Court-ordered payments such as alimony, child support, speeding tickets, etc.
- Tax entities
- Collection agencies.
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When will payments be sent using Online BillPay?
If you submit your payment request prior to 7:00pm CST on a business day (Monday-Friday, excluding holidays), the payment will be sent the following business day. If your payment request is made on a non-business day, the payment will be processed on the next business day and sent the following business day. When scheduling a future dated or recurring payment, if the Process Date falls on a non-business day, the payment will be processed on the previous business day and sent the following business day. We recommend that all Process Dates you select be at least seven business days before the actual "payment due date", not the late date and/or grace period. Funds will be withdrawn from your account according to the Terms and Conditions. See the FAQ below.
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When will funds be deducted from my account?
Payments made Electronically - We charge your transaction account on the selected Process Date and remit funds to the designated payee on your behalf. The payment is estimated to arrive in 2 Business Days or before.
Payments made via Paper Check - We process a paper check containing your transaction account routing number and transaction account number to the designated payee on your behalf. The funds will remain in your transaction account until the check has cleared. The payment is estimated to arrive in 5 Business Days or before.
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What if my payee doesn’t appear in the list and I have to add it manually?
After entering the name of the payee you would like to setup, a list of merchants will appear. If you see your payee on this list, please select that payee as this will help ensure the payment is sent electronically. If you do not see your payee on this list, simply add it manually. In both cases, your payee will be successfully added to your list of payees.
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How are my bills paid?
Payments are sent electronically or by check depending on the merchant's arrangement with our processor.
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How do I know if my payment will be sent electronically or by mail?
If you click the Pay Bills tab, then on Schedule One-Time Payment, you will see a list of your active payees. If the Delivery Time column for a specific merchant is populated with 2 Days, that means the payment will be sent electronically and should arrive at the merchant in 2 business days, if not before then. If the column is populated with 5 Days, the payment will be sent via a paper check processed off of your specified checking account, allowing the money to remain in your account until the check has cleared. This also allows you to see the check image within Online Banking once the check has cleared. Paper payment should arrive at the merchant in 5 business days.
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Can I add a merchant and pay them immediately?
Click the Pay Bills tab at the top of the screen, then click Manage Payees. In the Add New Payee box, simply type in the name of the merchant or person you wish to add and click Next. If you see your merchant on the list provided, select the merchant and click Next. If you do not see your merchant on the list, simply click Add Manually. Enter the requested information for the merchant and click Next. Confirm the information was entered correctly and click Add Payee. Once the payee has been added, you can schedule a payment.
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How do I know if a payment was received?
You can verify that a payment was processed by checking your Payment History. A "Processed" status indicates a payment has been sent. Electronic payments are sent to the Payee the next Business Day. When a paper payment clears your account and the funds are debited, the check has been cashed.
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How far in advance should I set up payments?
In general your payment date should be at least seven business days from the date you set up a payment. However, the number of days required to make a payment can vary by payee based on the method your payee can receive payments.
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Can I schedule recurring payments?
Yes, just click the Pay Bills tab, then Recurring Payment. This feature allows you the convenience of scheduling payments to be made on an ongoing basis. This feature is especially convenient for setting up payments that are for the same amount and made at regular frequencies like your mortgage (every month), water bill (every other month) or car insurance (twice a year). You can schedule recurring payments to be made weekly, every two weeks, twice a month, monthly, every four weeks, every two months, quarterly, every six months, and once a year.
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Can I pay multiple merchants at one time?
Yes, just click the Pay Bills tab, then Schedule One-Time Payment. This allows you to pay multiple payees from one screen. Simply fill in the required information for the payees you wish to pay and click Next. Confirm the information was entered correctly and click Add payment(s).
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What are "pending payments?"
Pending payments are payments you have scheduled through Online BillPay, which have not yet been processed and sent to the payee.
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Can I cancel or edit payments?
Yes. You may cancel or edit scheduled payments up until 7:00 p.m. CST on the day your payment is scheduled to be processed.
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If I cancel a payment, how will I know that the payment wasn't processed?
The payment will no longer appear on the Pending Payments screen. Instead, next time you log on to Online Banking, the payment will appear in your Payment History having a status of Cancelled. Payments may be cancelled online up to 7:00 p.m. CST on the scheduled process date.
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Will my Online BillPay account become inactive if I do not use it?
Your Online BillPay account will remain active as long as you continue to have activity within Online Banking. After six months of inactivity, your Online Banking and Online BillPay account will be closed. You can enroll again for Online Banking by completing our Online Enrollment process. You may keep you account active by logging on, being enrolled for Online Statements or have recurring BillPay payments being processed from your account.
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