Single Payments

A single payment is typically one with a variable amount due with each payment. For example, your phone or electric bills are rarely exactly the same amount each month. When you schedule a single payment, that amount is processed on the day you requested and another payment will not occur until you schedule a new payment.

Use the single payment option to schedule payments for bills that change with each billing and/or for payments that occur on an unscheduled basis (like a florist or Doctor bill).

Each single payment is assigned a confirmation number for future reference. Retain the confirmation number for your records (it replaces what would have been a check number had you written a check for the bill).

A recurring payment is one that is due on a regular basis (i.e. monthly, weekly, twice monthly, etc.) and is always the same amount. For example, your car payment, house payment or newspaper subscription are perfect opportunities to establish a recurring payment.

Schedule a recurring payment and it happens automatically each month without further instruction from you. You may stop or change your recurring payment from the website.

To add a new recurring payment, the account must already be on your list of authorized payees (for example you were previously making single payments to the payee). If you need to add a new account, you may do so from the "Set Up Accounts and Payees" page. All of the required information is critical to your payment being set up and processed correctly.

For each recurrence, you are assigned a confirmation number.

After each bill pay session, you may choose to receive “Transaction Confirmations for the Current Bill Pay Session” as well as other reports from the Email Request section of the Subscriber Summary Page. Once you have selected your report types, you will need to click on “Set Options”. Once your current session is terminated, the requested reports will be emailed to you

When you enter this screen, you will be given a list of all processed payments, single and recurring. You will see the name of the payee, the amount paid, the date the payment was processed and the confirmation number. Your transaction history will reflect all processed payments whether scheduled by phone or Internet.

• The payee must be located in the United States
•  Payments may not be remitted to tax authorities or government and collection agencies
• Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities
• Court directed payments are unauthorized (Alimony, child support, or other legal debts). Don't forget you can use this system to send payments to your son/daughter in college, pay your local orthodontist, credit cards, charitable donations, etc. A payee is defined as anybody (company or individual) to whom you want to send money.
   

Single payments are processed on the business day (generally Monday through Friday, except holidays) you designate the payment is to be processed, provided the payment request is received prior to the designated cut-off time. Single payment requests received after the business day cut-off time, or at any time on a non-business day, will be processed on the following business day. We reserve the right to change the cut-off time by giving you notice of the changes. The bill payment system is available for payment scheduling 24 hours a day seven days a week.

For recurring payment requests, payments will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed on the next business day.

For ‘Check' payments, the number of days to allow for payments to reach your payee depends on the location of the payee. Please use the following recommendations to ensure your payment is received on time. For payees located in Central or Eastern portion of U.S. allow a minimum of five (5) business days. For Mid West, allow a minimum of seven (7) business days. For West Coast and Hawaii, allow a minimum of eight (8) business days.

For ‘electronic' payments, you must allow a minimum of five (5) business days for payment to reach your payee.

Any payment may be canceled, provided your request is received prior to the cut-off time on the business day the payment is to be processed. You may also change the date and amount of single payments prior to the processing cut-off time; however, you cannot change the date on a recurring payment. In order to change a recurring payment date, you will need to stop the existing payment and schedule a new payment using the new process date.

We are not responsible if a payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list.

If you have not already enrolled in the bill payment program, contact your nearest branch office for more information

How do I get started?
The first thing you'll need to do is complete a bill pay enrollment form. You will then need to organize all of the information about any individual, family member, friend, business, payee or professional who generates an invoice for products or services that you want to pay with the service. Gather together the names, billing addresses, your account number with the payee and the payee's phone number. And, once you receive notification that your bill pay enrollment has been approved, you may add your payees online.

How soon can I start making payments?
It takes approximately 2 – 5 days for your application to be processed.

Is there anyone I cannot pay?
You may pay almost any payee you wish. There are several restrictions: 1) The payee must be located in the United States; 2) Payments may not be remitted to tax authorities or government and collection agencies; 3) Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities and 4) Court directed payments are unauthorized (Alimony, child support, or other legal debts). Don't forget you can use this system to send payments to your son/daughter in college, pay your local orthodontist, credit cards, charitable donations, etc. A payee is defined as anybody (company or individual) to whom you want to send money.

Should the processing date I give be the date the payment is actually due?
No. You should allow sufficient time for your payment to be received and posted to your account by the payee. See Payment Processing for more details on the number of days to allow for payments to be received by you payee.

How soon are funds actually taken out of my account?
Bill payments are debited from your designated account within 24 hours of the process date.

What happens if I do not have enough money in my account to cover a bill payment?
If funds are not available on the requested processing date, your bill payment may be canceled.

When and how are my payments delivered and how can I ensure that my payee receives my payment by the due date?
After funds are withdrawn from your account, we may remit your payment(s) by electronic funds transfer, or if the payee does not accept electronic payments, by mailing your payee a check. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, you should allow sufficient time for payments to be received and posted to your account. See Payment Processing for more details on the number of days to allow for payments to be received by your payee.
You may verify receipt of the payment by your payee by contacting them directly or checking your next billing statement for verification of posting of the payment.

Why must I allow additional mailing time for my payments?
Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three business days for your account to be posted. See Payment Processing for more details on the number of days to allow for payments to be received by your payee.

When is the last possible opportunity for me to change or cancel a bill payment?
You can change or stop a payment up until the processing date you originally gave us. (You will not be able to change the date of a recurring payment; however, you can stop and reschedule the payment.)

Who do I contact if my payment has not been posted?
First, be sure to allow at least five (5) to eight (8) business days for a payee to receive your payment. If a payee does not post your payment within ten (10) business days of the date you requested the payment be processed, simply contact subscriber services at 1 866 253-8501 , or e-mail us, and describe the problem. We will follow up on the payment and get back to you within 24 to 48 business hours.

How do I add more payees/payee's?
Payees may be added by using the "Add Payee" feature, found on the "Set Up Accounts and Payees" web page. Be sure to include all required information.

How can I be sure no one else can access my bill paying account?
All data is encrypted and is additionally protected through standard e-commerce security practices, including firewalling technology. You will access the system by entering your account number and password. Passwords are NOT kept on file at the credit union. Only individuals with this information can access your account. Be certain not to release this information to anyone you do not want to fully authorize as a user on your account.