Online Bill Pay FAQ
Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online 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. It's safe, secure and easy to use.
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 or credit cards, or individuals such as a landlord, babysitter or relative.
It’s easy to enroll for Online Bill Pay. Just log into your Online Banking account click the "Bill Pay" tab to access the short enrollment form.
The first step is to add a payee, the person or company you wish to pay.
Here’s how easy it is:
Log into your Online Banking account and click the "Bill Pay" tab.
Click the "Add a Payee" button on your home page dashboard.
Enter the requested information. Typically this information can be found on your latest bill statement.
Once you add your payee, you can start making payments in seconds.
Payments are sent one of two ways — electronically or by paper checks. 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.
Paying bills online is one of the safest ways to pay your bills. Online 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 payments activity.
Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.
Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.
Here's a quick list of the many ways you can benefit from using BillPay.
Save time. With BillPay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00 per year (based upon the average annual cost of stamps, envelopes, and checks required to pay 10 bills per month).
Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
Help the environment by saving paper. With BillPay, there are no checks to write or envelopes to mail. That's good news for you and the environment.
eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Online Bill Pay account.
eBills are delivered directly to your Online Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.
You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.
If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Online Bill Pay dashboard.
With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your Bill Pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.
Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.
To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.
You can sign up to receive an electronic notice to alert you when an eBill 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.