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Online Bill Pay FAQs

Online Bill Pay FAQs

What is Online Bill Pay?
Online Bill Pay lets you receive and pay bills online and with our Mobile Banking app for Apple® and Android™ powered devices. Examples might include utilities such as electric and gas companies, telephone companies, and service providers such as plumbers or gardeners.

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How does Online Bill Pay work?
To begin using Online Bill Pay, you will need to set up your payee list by adding the payees to whom you want to make payments. Some payees can send electronic bills (ebills). You only need to add each payee once.

When you make a payment, you’ll specify the date that you want the payee to receive the payment. Online Bill Pay automatically determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. However, in order to guarantee delivery of your payment on time you should allow four business days for delivery.

After a payment is scheduled, it appears in the Pending Payments section. When the payment is processed, it moves to the Recent Payments section. The Payee receives your payment on the payment date you specified and debits your account. However, the payee may take a few days to apply the payment to your bill.

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How do I enroll in Online Bill Pay?
To enroll, log in to Online Banking, click on the Pay Bills tab and complete the easy enrollment process.
See how easy it is.

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What type of account is required to set up Online Bill Pay?
You can use a Credit Union checking account.

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What methods are used to make payments?
Two alternative methods are used to pay a payee:

  • Electronic payments are sent out one day before the due date. The funds are withdrawn from your account on the payment due date.
  • A laser draft is written with your account number on it (basically, like a personal check). Funds are withdrawn directly from your account when the laser draft check clears. Laser draft checks expire 30 days from the date of issue.

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    Why isn’t the money immediately taken out of my account when I write a check?
    When you pay a bill online we provide you with the earliest date that the payment can be delivered. Typically, ACH payments are completed in one day while paper checks can take as much as 5 days. During the time that the transaction is being sent, the funds remain in your account allowing you to continue to earn interest. It is only when the payment is delivered that the Credit Union will debit the funds from your account.

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    How secure is Online Bill Pay and my personal information?
    Online Bill Pay uses several methods to ensure that your information is secure:

  • SSL: Online Bill Pay uses SSL (secure sockets layer) that ensures that your connection and information are secure from outside inspection.
  • Encryption: Online Bill Pay uses special encryption to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out: Online Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes. However, it's best to sign out immediately after you're finished using Online Bill Pay.
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    I have a question about how to use one of Online Bill Pay's features.
    You can contact our Online Bill Pay Member Care at 888-918-7521.

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    What happens if Bill Pay overdraws my account?
    If you are enrolled in ODP and payments are made on your behalf, you will incur the ODP fee for every payment that draws your account negative. If you are not enrolled in ODP, you will receive an NSF fee from Bill Pay and the payment will not be made.

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    What is the cutoff time for scheduling same day payments and next day paper check payments?
    The cutoff time for scheduling both same day payments (offered by select billers) and next day paper check payments is 2 PM EST.

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