Bill Pay - Frequently Asked Questions

Bill Pay

  1. What is Bill Pay?
  2. Is there a cost to use Bill Pay?
  3. Who can I pay?
  4. Is Bill Pay secure?
  5. Can I see how Bill Pay works before I sign up?
  6. How do I enroll in Bill Pay?
  7. Once enrolled how do I begin paying bills?
  8. How are Bill Pay payments delivered?
  9. How long does it take before my payment is received?
  10. Will overdraft protection work with Bill Pay?
  11. What is Rush Payment?
  12. Can I access and make payments with Bill Pay from my Mobile Banking?
  13. Iím a Direct Connect user and pay my bills through my Intuit software. How will this affect me?

E-Bill

  1. What is E-Bill?
  2. How do E-Bills work?
  3. Will I still receive paper invoices when I have E-Bill?
  4. How will I know if E-Bill is available for a payee?
  5. How do I know when I have received an E-Bill?

Bill Pay

1. What is Bill Pay?

Bill Pay is a service that allows you to pay virtually any person or company through your Internet Banking or mobile banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. Itís safe, secure and easy to use.

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2. Is There a cost to use Bill Pay?

There is no cost to use our consumer Bill Pay. There are fees for using the Rush Payment, Donation and Gift Check options.*

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3. Who can I pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills, credit cards, or individuals such as a landlord, babysitter, or a relative. You can also send personalized gift checks for birthdays, wedding gifts, etc. as well as make donations to charities.* Finally, for some Payees you will have the ability to make Rush Payments with expedited delivery.* Please note:  Making tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) or any other government-related entities using Bill Pay is not recommended.

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4. Is Bill Pay secure?

Paying bills online is one of the safest ways to pay your bills. Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills, and statements. It also increases your privacy because only you can access your account information, account numbers, and payment history. As a result, you maintain tighter control of your account with real time access to your payment activity.

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5. Can I see how Bill Pay works before I sign up?

Learn more by viewing our Bill Pay demonstration here.

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6. How do I enroll in Bill Pay?

You must be enrolled in Internet Banking to use Bill Pay. To enroll now, click on Internet Banking Application located in the Internet Banking Login box. Once enrolled in Internet Banking you can begin using Bill Pay in three easy steps:

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7. Once enrolled how do I begin paying bills?

After you have enrolled (see above) you can make a payment in four easy steps:

  1. Grab your bill and log into your Internet Banking account.  
  2. Click on the "Bill Pay" tab.
  3. Click the "Add a Payee" button on your dashboard.
  4. Enter the amount you want paid and make your payment.

IMPORTANT:   If you pay bills from more than one account, please review which account has been listed as your default account prior to initiating any bill payments after our recent system upgrade.

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8. How are Bill Pay payments delivered?

Payments are sent one of two ways:  electronically or by paper checks.  The type of payment will show under the name of the Payee on your dashboard. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

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9. How long does it take before my payment is received?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via check. An approximate delivery date is listed under the Payment Date.

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10. Will overdraft protection work with Bill Pay?

Yes. Overdraft protection will cover payments made with Bill Pay, both electronically and by check.

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11. What is Rush Payment?

Using the Rush Payment option, you can send payments, by check, for Next Day or Second Day delivery or electronically if available. There are added charges associated with this option.* Many of your payees are eligible for Rush Payments, except for Government service charges (property taxes, traffic tickets, child support, etc.). Some merchants have daily cutoff times for posting transactions and payments. Merchant cutoff times range throughout the day. Rush Payments must be scheduled prior to 4:00 PM.

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12. Can I access and make payments with Bill Pay from my Mobile Banking?

Yes. If you are signed up for Mobile Banking and Bill Pay, you will have a Bill Pay tab or icon when you log in to your Mobile Banking app.

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13. I'm a Direct Connect user and pay my bills through my Intuit software.  How will this affect me?

For the next 30 days (approximately) you will only be able to pull in transactions (like account history) and will need to log into Bill Pay to pay bills. You will receive additional information on this topic in the next few weeks.

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E-Bill

1. What is E-Bill?

E-Bill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account.  Learn more by viewing our E-Bill demonstration here.

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2. How do E-Bills work?

E-Bills are delivered directly to your Bill Pay account. Once you set up an individual E-Bill for a company you do business with, an E-Bill comes directly from that payee to your account. Examples of businesses that offer E-Bills are cable service providers, phone service providers, utility providers, and credit card companies.

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3. Will I still receive paper invoices when I have E-Bill?

You will continue to receive paper invoices as well as E-Bills unless you request that the payee stop sending them.

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4. How will I know if E-Bill is available for a payee?

To determine if a payee offers E-Bill, you can check to see if there is a ďSet up eBillĒ link next to their listing on your Bill Pay dashboard.

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5. How do I know when I have received an E-Bill?

You can sign up to receive an electronic notice to alert you when an E-Bill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

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*The following fees apply: $2.99 for gift checks; $1.99 for donation checks; $14.95 for Next Business Day Rush Payments and $9.95 for Second Business Day Rush Payments.