Bill Pay FAQs

  1. How do I access Bill Pay?
    Log into Online Business Banking and select the Bill Pay widget. You can then add your payee information using the Payees tab.
     
  2. Can I make a payment to anyone?
    You can make a payment to anyone inside the United States.
     
  3. How do I make a payment to a Payee?
    Once a payee is set up, use either the Quick or Classic tab to choose the payee, amount, and date the payment is for. For scheduling multiple payments at once, use the Multi tab.
     
  4. Can I pay bills with my credit card or savings account?
    No, bill payment only accepts payments from business checking accounts.
     
  5. Where is my payment sent?
    Your payment is sent to the address provided when setting up the payment.
     
  6. How are payments issued?
    Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the Payee’s capability. Both electronic payments and paper checks always include remittance information, ensuring that your Payee can accurately record that a payment has been received for your account.
     
  7. Can I use my regular checkbook?
    Yes, Bill Payment does not replace your checkbook. You can continue to write paper checks as you normally would if you so choose.
     
  8. When are paper checks issued to my Payees?
    Paper checks are issued a few business days before the due date to ensure the payment is made on the due date. Please note processing times may vary.
     
  9. When are electronic payments sent to my Payees?
    Electronic payments are issued a few business days before the due date to ensure the payment is made on the due date. Processing times vary, but the payment will arrive on the due date.
     
  10. How do I know when a payment has been sent?
    Within the Bill Pay widget, you can access the History tab. This shows you all the bill payments you have successfully made.
     
  11. When will my payments be debited (withdrawn) from my checking account?
    Funds are taken from the account on the due date.
     
  12. How do I cancel a payment?
    To cancel a payment, click “Delete” next to the payment.
     
  13. What options do I have for scheduling recurring payments?
    You have the following options
  • One time
  • Once every week (You may select the start and end date of these occurrences)
  • Once every two weeks (You may select the start and end date of these occurrences)
  • Once a month (You may select the start and end date of these occurrences)
  • Every 4 weeks
  • Every other month
  • Quarterly
  • Every 6 months
  • Once per year (You may select the start and end date of these occurrences)

14. Are there types of payments that I can’t issue?
Due to legal requirements, we limit the ability to make certain types of payments. Payments to Payees outside of the United States are prohibited, and may not be issued under any circumstances. In addition, the following payments are discouraged, but may be scheduled at your own risk:

  • Tax payments to the Internal Revenue Service or any state or other government agency
  • Court-ordered payments, such as alimony or child support
  • Payments to insurance companies

Our bill payment provider will not notify you if you attempt to make any of these payments. In addition, they will not be liable if the payment was not processed on such payments.

15. What happens if I do not have enough money in my Checking Account to cover a bill?
We issue standard, approved payments against your Checking Account. Just as with a paper check, you have to maintain sufficient funds in the account to cover all payment obligations. We are unable to notify you if you have insufficient funds. Please note that you may be charged a Non Sufficient Funds Fee for payments that are returned for insufficient funds. Please note that Bill Pay account will be blocked until the payment is satisfied.

16. What are e-bills?
e-Bills allow you to receive your bills electronically within online banking. Your payees must offer this option in order to take advantage of this feature. When adding a payee who is eligible for e-Bills you can select “Set Up eBills” and verify your account with specific information. For example, you may be asked to provide your user name and password for the provider, your account number, your billing zip code and/or the last four digits of your Social Security or Tax Identification Number. You will then be able to see your bill amount and due date from within the Bill Pay widget. This makes paying your bills quick and easy.

17. Can I pay all of my received bills at one time?
Yes, you can pay your bills all at once using the Multi tab.

18. I registered a Payee for e-bills, why am I receiving the paper bill at home?
Some Payees may continue to send a paper bill to your home even after you begin receiving the bill online. To avoid making duplicate payments, it is best to pay only those bills that arrive online. Some Payees may offer the option of “turning off” the paper bill, either by indicating such a preference on their website or by contacting their Customer Service department via phone or e-mail.

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