Online Bill Pay
If you get an error message that says, “Bill Pay is not available,” please check to make sure we have the most up-to-date home phone and email address on file. You may verify this information by accessing the “Service Center” tab within Online Banking. If after checking your information, you continue to receive an error message, please contact our Customer Care Center for assistance at 877-431-7431.
By re-enrolling in our upgraded eBill system, you will have access to new features such as PDF copies of your bill, eBill alerts, and new payment options that will allow you to schedule one-time and recurring payments based on your eBill each month.
Your recurring weekly and monthly payments will transfer to the upgraded Bill Pay system. The first annual recurring payment will transfer to the new system. However, future annual payments will need to be rescheduled to ensure they continue.
The “deliver by” date is the guaranteed date the payee will receive payment by. Unlike our previous Bill Pay program where check payments were drawn from the account up to five days before the anticipated delivery date, funds will now be withdrawn from your account on the “deliver by” date or in the case of a check payment when the check clears your account. You will be able to see an image of any of these bill pay checks in your online banking transaction history.
Every payment is evaluated to ensure that it is within your normal behavior as well as within the normal behavior for that biller/payee. If we have any questions regarding any of your payments, the payment may be held for 48 hours while we try to contact you for verification. If we are unable to reach you, the payment may be canceled.
Click the “Add a Company or Person” button from within the Payment Center and select the “Company Tab.” You can search for the company in the “Search” bar, or you can select the company from the list of major payees. When adding a major payee, the payee information has already been identified by the Online Bill Pay system. Therefore, all you need to do is enter your account information for that major payee. For smaller businesses or local businesses, the payee information may not be readily available; in this case, you may need to enter more information about the business such as mailing address and phone number.
The account from which you wish to draw the funds for a particular payee. In our new system, this may now be set per payee. After the upgrade, the default currently in use will not transfer to the new system. The default account must be selected when used for the first time after the upgrade.
The method of payment is determined by the payee. Some payees may also set certain dollar limits to what payments are sent electronically and what payments are sent by check. This means that your payment could be sent electronically, and other times, a payment to that same payee could be sent via check. Our system will also send more check payments out initially while it learns your use behavior.
Often, only the payee name and account number are required, although some do require an additional field for validation, such as ZIP or phone number.
Typically, the cutoff is at 10:00 pm. Some payees have a cutoff time before 10:00 pm. In most cases, an electronic payment due tomorrow can be scheduled up until 10:00 pm tonight.
If you do not have enough money in your account on the “Deliver By” date, the payment will still be sent to the payee, and you could receive an insufficient funds charge (as disclosed in our Consumer Schedule of Charges and our Business Schedule of Charges.) We will try to collect payment a second time within 24-48 hours. If at that point you still do not have sufficient funds, a second insufficient funds charge may be assessed. At times, we may work with the payee to try and reverse the payment. If the payment cannot be reversed, we will contact you directly to satisfy your outstanding balance. Your access to Online Bill Pay may also be restricted for payments resulting in insufficient funds.
Our Online Bill Pay system will be responsible for any late payment related charges up to $50.00 should a payment post after its Due Date and as long as the payment was scheduled in accordance with the following guidelines:
When scheduling Bill Payments, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller Statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.