Frequently Asked Bill Pay Questions

Q. How do I enroll in Bill Pay?
A. Steps to enroll in Bill Pay:  

  1. Log in to Online & Mobile Banking and select the Payments menu item.
  2. A new window will appear asking you to "Enroll in payments."  Select the Enroll button.
  3. You should now see a "Congratulations" message.  Select the Continue button.
  4. You may now add payees and schedule payments.

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments.

Q: When I add a new payee to bill pay account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are immediate.

Q: Can I use Bill Pay with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.

Q: When can I start using Bill Pay?
A: You can begin using Bill Pay as soon as you have logged in to Online & Mobile Banking for the first time.

Q: How do I add new payees?
A: You can add payees by accessing the Payee section of Bill Pay. New payees will be added to the payee list immediately.

Q: Who can be paid using Bill Pay?
A: Anyone or any entity in the 50 United States and territories who can accept a check can be paid using Bill Pay. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through Bill Pay.

Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. When scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Q: If I schedule multiple bill payments for a single day, how will my account be debited - as a lump sum or separately?
A: Each bill payment is debited separately.

Q: How is my account debited?
A: Your account is debited via ACH.

Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: Are all my payments made by ACH?
A: No. In some cases - often when paying an individual - a payee may not be able to accept ACH payments. In such cases the Bill Pay system creates a paper check that is mailed to your payee. When a paper check is mailed, your account is debited for the amount of the check when the check is deposited by your payee.

Q: If I make an error in selecting a payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

Q: How do I place a 'stop payment' on a bill payment?
A: A payment may changed or deleted anytime before 3:00 PM the business day on which it is paid. Payments that have been processed cannot be stopped.


Click on this image to go back to the top of the page