What are: ACH, Single Check, and Draft Check?
• An ACH is an Electronic Remittance of your bill payment.
• A Single Check is a Bank Check mailed to your biller.
• A Draft Check is a created check that has the same account information on it as your personal checks. This type of check only clears your account when the Payee deposits the check at their institution.
Why can’t I schedule a payment today?
Earliest available payment dates refer to the soonest that a payment can be processed. When you schedule a payment, Bill Pay automatically calculates the earliest available payment date. This date is based on several options including payee processing capabilities. It’s best to schedule payments in advance of their due date. The standard lead time is typically four days.
How do I see my pending bills?
You can see your pending/processing payments under the Payments Pending Tab on the right hand mid-side of the screen.
Why does it take so long for the bill to clear my account? My bills say they are being processed, but are not showing that they have come from my account.
Your payment will not immediately come out of your account as in the past. It will either come out the date you scheduled the payment to be made, or in the case of a Draft Check the amount will clear when the person/company deposits the check.
What fees are associated with doing a payment?
Bill Pay will always show you the first date available to pay a bill with no added fees. If you choose, you can send an Overnight Check for $14.95, or if the company allows Same Day Bill Pay for $9.95. The only other fee you could incur would be due to insufficient funds in your account to pay the bill. Our NSF (Non Sufficient Funds) or Return fee is $27.50 per item.
When can I change or cancel a payment?
Payment changes or cancellations must be received before the payment begins processing. As long as the payment is pending it can be changed or canceled.
If a payment is showing “in process”, a Stop Payment can be placed on a Draft Check or a Single Check by the Credit Union for a fee of $25.00.
Do you still have the calendar feature that shows all of my payments that are coming out during the month?
No, the new Bill Pay does not offer a calendar where you can see all past and pending payments at a glance in a calendar format.
How do I change/delete a biller?
Click on the Manage My Bills tab, then choose the Biller you want make a change to. There are 4 options that will appear after you choose the Biller.
How can I access the e-bills?
If a biller displays the icon, the biller is enabled to receive e-bills. You can initiate the sign up process by either clicking the icon or clicking the link from the Payment Assistant. Clicking either option opens an application layer for you to begin the sign up process. You may need additional information from the Biller such as a code from your paper bill in order to sign up for e-bills.
While our goal is to send all payments electronically, we cannot guarantee 100% electronic remittance. The way the payment remits depends on the biller, your payment history, recent activity, and the amount of your payment. In some cases, the biller is not set up to receive payments electronically.
Keep in mind, that whether your payment is sent electronically or sent as a single or draft check, our goal is to deliver the payment to the biller on the due date. If a bank or draft check is sent for payment, allow 1-3 business days for the mail.