Bill Pay Frequently Asked Questions
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 will an authorized payment be debited from my account?
While the exact time of the debit may vary due to when the payment is scheduled, please make sure that you have adequate funds in your account to cover those payments.
This will ensure that your payment is processed properly and not subject to insufficient fund fees.
What happens if I don't have enough money in my bank account?
As with a paper check, your account must be adequately funded to cover all payments. Some EFT transactions may clear your bank account the same day they are issued, so be sure your account is funded in advance to avoid bounced payments and insufficient funds fees.
If you do not have enough money in your account to cover the payment your access to the bill pay system may be blocked and all unprocessed scheduled payments may be cancelled. A second attempt will be made to collect the funds from your account. If the funds are collected and no additional returns have been received after five days your bill pay access will be unblocked. You will have to reschedule any cancelled payments.
How do I avoid payments being 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 are E-bills and are there different types of E-bills?
E-bills are any bill that you receive in your Bill Inbox, and they basically fall into two types:
- The first type is an electronic bill that we receive from one of your billers and which we redirect to you.
- The second type is a bill we retrieve from your biller's website and present to you electronically.
The bottom line is from your point of view, all types are e-bills because they are always presented to you in an electronic format.
When do you contact me regarding my account?
We use e-mail notifications to keep in touch with you about your account. As our customer, you may choose to receive e-mails in the following situations:
- When a bill is received.
- When a bill has not been received X days before the billing date.
- When no payment has been scheduled X days before the payment is due.
- When a payment is made.
These are some of the general e-mail notifications you will receive as our customer which you may opt to turn on or off. From time to time, you may also receive other notifications about your account; such as, e-mails about a specific payment, future payment reminders, and changes made to your personal profile or password, if applicable.
Can I change how and when I am notified about my account?
Absolutely, you can tailor the e-mail notifications to meet your unique bill management style. To change which e-mail notifications you receive, from your navigation links, click My payees. From your list of payees, click the name of the corresponding payee. The Payee Details page appears. At the top of the page, click the link to change e-mail notifications. The Change E-mail Notifications page appears where you will make your changes and then click Save changes