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Internet Banking Bill Pay FAQ's
Select a question below and click for answer.
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Q. How do
I pay bills using Internet Banker?
A. In order to pay bills through Internet Banker, you must first set-up your payee(s).
Click on the "Pay Bills" tab to login to Bill Payment using your separate Bill Payment
password. Click the "Payees" tab and select "Add Payee," then follow the prompts
to create a list of payees. Select "Add Payment" or "Quick Payment" under the Bill
Payment tool bar to generate a bill payment. Bills can be paid on a one-time basis
or on a predetermined regular schedule. If the payee is in our electronic payee
database, you may choose to pay your bill electronically. If the payee is not listed
in our electronic database, the payment will be sent by check. For a record of your
transactions, you can simply click on "Payment History" and view or print the page.
Q. When and
how are bill payments processed?
A. Payments are processed twice each day, Monday through Friday at 3 a.m. Eastern
time and again at 1 p.m. Eastern time, except holidays. ADJUST THE PAYMENT DATE
OF YOUR PAYMENT IN ORDER TO REACH YOUR PAYEE BY THE DUE DATE USING THE FOLLOWING
GUIDELINES. (Bank will not be responsible for late fees if these guidelines are
not followed).
- For electronic payments, allow 3 business days for the payment to reach your payee.
- For check payments, allow 5 business days for the payment to reach your Payee.
- Electronic payments scheduled for same day processing will post to your checking
account the same business day if entered into Internet Banker prior to 1 p.m.
- Check payments will be deducted from your checking account after the check has been
received and processed by your payee. The check will clear your account the same
as a check you would write from your own checkbook and mailed to a payee.
Q. Will my Check or Electronic Payment type ever change?
A. Yes, that is possible. Our Bill Payment service performs a weekly review of payment
types. If we find that your payment type can be changed from check to electronic
type, our system will automatically make that change. If a payee no longer accepts
electronic payments, your payee would then be changed to a check payment type. This
is done to send payments to your payees in the fastest, most efficient and secure
way possible. If you wish to be notified of a payment type change, please click
on the "Change Settings" menu, select Alerts and check the box to receive alerts
for Bill Pay Changed to Electronic or Bill Pay Changed to Check. If any of your
payment types have been changed, you will receive an alert the next time you log
in. Please remember that if you have a payment type change, you may need to adjust
your payment date to allow more or less days for the payment to reach your payee.
Q.
Are payments processed on weekends and holidays?
A. Payments scheduled for weekend dates or holidays will be sent to your payee on
Friday and/or the business day preceding the holiday. Electronic payments scheduled
for weekend or holiday dates will be deducted from your account on Friday or the
business day preceding the holiday.
Q. Whom can I pay
with Bill Payment?
A. You can pay anyone with a United States address (also includes U.S. territories)
from your next-door neighbor, to the utility company, to a child in college across
the country. The only restriction is that you cannot pay any government agencies.
Q. On the Payment History page, how much history will be available?
A. Bill Payment history is maintained for 18 months.
Q. Will the memo field from a scheduled payment be printed on
the check sent to the payee?
A. Yes, any text entered in the memo field will print on the check. The account
number that you entered when adding the payee to your Personal Payee List is also
printed on the check. This lets the payee know to which account the payment should
be applied.
Q. Can I stop a bill payment or get a copy of a check?
A. You can stop payment on "check" bill payments if they have not yet cleared your
account. Simply call the Customer Service Center at
800.311.3182
or place a stop payment on the check utilizing the stop payment option in Internet
Banker. "Electronic" bill payments cannot be stopped. To obtain a copy of the check,
you may print the check image from Internet Banker or call the Customer Service
Center to request a copy.
Q. Can I postdate
a single payment?
A. Yes. Just set the payment date for any date in the future. Single payments are
actually set up into two categories: current and future payments, which allow the
user to schedule payments in the future or for the current date. Current date payments
will be sent to your payee the same day if entered prior to 3 a.m. or 1 p.m. on
any business day.
Q. Can I edit vendor addresses?
A. If a vendor's address changes, you have to set them up as a new payee with the
correct address and delete the old payee record.
Q. How late in the day can I enter, edit or delete a payment?
A. If the payment does not show a status of "in process", "processing" or "processed"
you may edit or delete the payment.
Q. How many payees
may I have set up?
A. There is no limit for setting up payees.
Q.
How do I know if a payee is electronic or check?
A. Once you have set up a new payee, go to the "Payees" screen which will show you
if the payment is being mailed by check or sent electronically to your payee.
Internet Banker product licensed by Jack Henry & Associates, Inc.
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