Bill Pay Frequently Asked Questions

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Bill payments used to be free. Why are you now charging a fee?

What is the earliest date I can make a payment?

How do I know which payment dates I can select?

How far in advance of the due date should I make my payments?

How far in advance can I schedule my payments?

When is the money for the payment withdrawn from my payment account?

When does a payee receive my payment?

Can the credit union guarantee that a payment will be sent electronically to a payee?

Can payment methods change from month to month?

When will funds be withdrawn from my payment account?

What browsers are supported and what about cookies and third party cookies?

 


 

Q. Bill payments used to be free. Why are you now charging a fee?

A. Bill Pay features three payment options based on the capabilities of payees:

 

Payment Options
Fee
Regular Bill Payment FREE
Same Day Bill Payment $9.95
Overnight Check Payment $14.95

 

 

Q. What is the earliest date I can make a payment?

A. For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take up to four days for your payee to receive it. When you enter an amount, Bill Pay automatically displays the earliest date the payee will receive the payment without incurring expedited payment fees. You can accept this date or change it.

 

Same-Day Bill Pay Payment - $9.95
Some payees let you make payments on the same day or the next business day. When you schedule an expedited payment, you accept the associated fee. When you see the payment on your member statement, you'll see two separate transactions: one for the payment you sent and one for the expedited delivery fee.

 

Overnight Check Payment - $14.95
You can make an expedited payment to some payees by sending a check through an overnight delivery service. If you schedule the payment by 2:00 p.m. EST, your payee can receive it the next day.

 

Note: Checks can only be delivered overnight to a street address in the continental U.S. The address cannot be a PO Box, military address (APO or FPO), or address in Alaska, Hawaii or Puerto Rico.

 

Q. How do I know which payment dates I can select?

A. You can use the payment calendar to determine the dates you can select to make your payments. The calendar shows:

  • The pay dates available in the current month. You can scroll to future months, if necessary.
  • The earliest date you can select for the payee to receive the payment without incurring expedited payment fees.
  • The due date for your bill, if you are paying an electronic bill or if you set up reminders for the bill you are paying.
  • Whether you can send a check to the payee through an overnight delivery service.
  • Whether the payee accepts payments on the same day or the next business day.

Also, when you enter an amount, Bill Pay automatically displays the earliest date the payee will receive the payment without incurring expedited payment fees. You can accept this date or change it. The date must be a business day (no weekends or holidays unless your financial institution allows payments on these days) that is not more than a year in the future (or 365 days from today's date).

 

Q. How far in advance of the due date should I make my payments?

A. You can enter a pay date that is the same as the due date on your bill. The pay date is the date when the payee receives your payment. For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take up to four days for your payee to receive it.

 

You can use the calendar to make sure the payee receives the payment before the bill's due date.

 

Q. How far in advance can I schedule my payments?

A. You can schedule a payment up to a year (365 days) from today's date.

 

Q. When is the money for the payment withdrawn from my payment account?

A. If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments,Bill Pay prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits (or cashes) the check.

 

Q. When does a payee receive my payment?

A.For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take four or fewer days for your payee to receive it.

If you schedule a payment for overnight delivery before 1:00 p.m. CST, your payee can receive it the next day. If you schedule a payment after 1:00 p.m., the payee can receive it in two days. When you schedule an Overnight Check payment, we send you an e-mail message with the tracking number from the overnight delivery service. You can also find the tracking number in the Bill Detail. Use the tracking number to determine when the check is delivered to the payee.

If you schedule a Same-Day Bill Pay payment, the payee will credit your payment on the pay date. However, the payment may not be reflected in your payee account information for a day or two. If you want to verify the payment, you should wait a day or two before contacting the payee.

 

Q. Can the credit union guarantee that a payment will be sent electronically to a payee?

A. The credit union cannot guarantee that payments will be sent electronically. Bill Pay currently has an electronic rate of roughly 83%, which means that 83% of the time member payments are sent electronically. However, there are factors that are considered for payments to be sent electronically:

  1. The member’s payment history
  2. Recent payment activity
  3. Amount of the payment

Note: In some cases, the merchant is not set up to receive payments electronically. Whether Bill Pay sends payments electronically or as a paper check, our goal is to deliver the payment to the merchant on time. If Bill Pay sends a paper check, it will be mailed 1-3 days before the payment date specified by the member.

 

Q. Can payment methods change from month to month?

A. Yes – Each payment request is evaluated individually and may change each time a payment processes. Members can experience payments made to the same payee using different payment methods. A payment may switch from one payment method to another for a number of reasons:

  1. The payee may have temporarily switched the payment method to paper, while they update processing information.
  2. Recent changes or re-issuance of your payee account number (like a lost/stolen credit card) could alter the payment method.
  3. The amount of the payment and the member’s payment history are considered.
  4. A high dollar amount of payments within a certain period of time may cause the payment method to change.
  5. Any recent payments that have been returned by your financial institution to Bill Pay could affect the payment method.

Note: There are many factors that could impact the payment method. The credit union cannot manually manipulate a payment method for a member. These factors are all considered systematically. No matter what payment method is selected, our goal is to deliver the payment to the payee on the due date.

 

Q. When will funds be withdrawn from my payment account?

A. In an effort to maintain efficiency with regard to member payments and relationships Bill Pay has with various Payees, the payment processing decision engine automatically processes payments in one of three ways:

  1. Electronic Payment – With this payment method, funds are deducted from the member’s account on the due date they requested in their payment instructions. If the Payee has signed up to receive payments electronically, the payment may be credited electronically to the Payee one business day prior to the due date, so the Payee may post it to the member’s account by the next business day.
  2. Corporate Check – With this payment method, funds are deducted from the member’s account on the due date they requested in their payment instructions. This is a check sent via U.S. mail and drawn on our processing center's corporate account three business days prior to the due date. The Payee may post the payment earlier than the due date if the check arrives early, the same day as the due date, or very shortly thereafter. Funds will never be deducted from the member’s account earlier than the due date they requested in their payment instructions.
  3. Draft - With this payment method, a check is drawn directly from the member’s payment account and mailed to the Payee. When this payment method is used, funds are deducted from the member’s payment account when the Payee presents the check for payment. This payment method functions as if the check had been written by the member themselves. The draft is mailed 1 to 3 days before the due date.

 

Q. What browsers are supported and what about cookies and third party cookies?

A. Here is a link to the Bill Pay browser support policy.

 

Your question not answered?

MEMBER SUPPORT LINE 855-850-5988 

Hours of operation - 6:00 a.m. -12:00 a.m. CST, 7 days a week