Q: How does the Internet Bill Pay service work?

A: Our Internet Bill Pay service offered through Internet Banking allows you to set up payments to just about anyone. You tell us the person or company you want to make a payment to and we will withdraw the money from your account and send the payment to the payee. You may schedule one-time, occasional, or recurring payments to be paid right away or a date in the future.

Q: Who can use the Internet Bill Pay service?

A: Anyone who has access to a checking account in Internet Banking can use the Internet Bill Pay service once they have been authorized to do so by our financial institution. To sign up for our Internet Bill Pay service, select the "Bill Pay" option for the account(s) you wish to make payments from when you enroll for Internet Banking. If you are already enrolled in Internet Banking, you can go to the "User Services" tab in Internet Banking and request to have Bill Pay added to an existing checking account.

Q: Is there a charge for the Bill Pay service?

A: There is no charge for using the Bill Pay service.

Q: When does the Bill Pay billing cycle end?

A: The monthly billing cycle ends on the 8th day of each month.

Q: How long will it take to get registered for Internet Bill Pay?

A: If you are already enrolled in Internet Banking, it will usually take one or two business days to process your request.

Q: How are payments made?

A: When scheduling your payment, you tell us the payment amount and when to issue the payment. On the scheduled payment date, the payment amount is automatically deducted from your account and the payment is sent to the payee either by check or laser draft through the U.S. Postal Service or it is sent electronically.

Q: Who can I pay with this service?

A: You can pay virtually anyone you want using our Internet Bill Pay service. There are many payees already listed in the database, but you may add anyone to your list of payees, as long as they have a valid U.S. mailing address.

Q: When I add a new payee, do I have to wait before I can make the first payment?

A: No. When you add a payee to your list you may immediately schedule a payment to be paid on the next available payment processing day.

Q: What date should I enter in the "payment date" field when paying a bill?

A: Payments should be scheduled for the "due date" of the bill. The funds are scheduled to be debited from your account on that day. Payment date is the date the payee is scheduled to receive the payment.

Q: How many days in advance must I schedule a bill payment prior to the due date?

A: Most payments must be scheduled four business days in advance, as of 1:00 a.m. EST. There are some payees that can accept same day payments.

Q: Can I schedule a bill payment today to go out today?

A: Generally, the system requires payments be scheduled at least four days prior to the payment (due) date. However, some payments can be scheduled to be paid the next business day. The dynamic payment calendar on the Pay Bills module will advise you of the earliest available payment date for the payee.

Q: What is the time frame I can make edits to a scheduled bill payment?

A: You can edit the payment anytime prior to the four business days (12:00 a.m. CST) cut off time.

Q: Does the new system send “variable recurring bill payment” reminders?

A: Yes. You can set up bill payment reminders in the Bill Reminders module. These reminders are sent to your e-mail address, rather than as in session alerts.

Q: Can I type in a "memo" note on a bill payment?

A: The "memo" field will only be available for payments issued by check, and will be presented to you on the bill payment confirmation page when scheduling the payment. You may also insert a memo and the account number by separating the memo and account number with a "/". For example: Acct#1234/boat payment, by editing payee information in the "Manage My Bills" section.

Q: When are payments processed?

A: Payments are processed each business day. Any payments scheduled on a non-business day (Saturday, Sunday, and federal holidays) will be issued the following business day.

Q: Can I have a (NSF) charge for an online bill payment?

A: Since your account is not debited in advance of the payment being issued to the payee, it is possible for the debit initiated for payment settlement to incur an NSF fee if the account doesn't have sufficient funds and/or overdraft protection available.

Q: What if the payee does not receive my payment? Who pays any late fees?

A: If the payee does not receive a payment, contact our financial institution's Internet Banking representative immediately. If our research finds that a late fee incurred was due to an error with the Internet Bill Pay system, we will take responsibility for any late fees resulting from such error and will work to resolve the issue with the payee on your behalf.