Online Services

Online Bill Pay FAQs


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. Once you receive notification that your bill pay enrollment has been approved, you may add your payees online.


How soon can I start making payment?
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, with the following 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
  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.

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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. 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 the Central or Eastern potion of the US, allow a minimum of five (5) business days. For the Midwest, allow a minimum of seven (7) business days. For the 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.

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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.

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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.

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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.

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.

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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.

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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.)

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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 (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.

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How do I add more payees?
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.

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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.

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