We are excited to introduce you to our upgraded Bill Pay system.

This upgrade is part of our commitment to provide our customers with the best possible internet banking experience. Here are some helpful hints to help you get the most out of the new system:

  • Not seeing your payment history?  Collapse the eBill section.  Your history will be on the right.  If you’re not currently using eBills and would like to learn more, please refer to the ‘Help’ menu.
  • Paying multiple bills at once?  Simply enter all of your payment amounts and pay with one click by using the ‘Submit All Payments’ option.
  • You may notice that information about your last payments to your payees is not displayed; after you make your first payment in the upgraded system, the “Last Paid” information will appear with your payees.
  • All of your payees and scheduled payments have automatically carried over to the new system. So, now is a good time to review these items for accuracy. This does not include eBills.* If you do not see your payees and scheduled payments, please contact us
  • Your funding account information has been transferred as well. However, if you had previously assigned identifying nicknames to your accounts, these nicknames need to be re-assigned.

*eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account. This is not the same as reoccurring payments. eBills are delivered directly to your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Additional items to note:

  • eBill customers:  You need to re-establish your eBills.
  • Read and agree to the Terms and Conditions when prompted. In addition, you will be prompted to set up challenge questions, which will be used if you ever need to change your personal information, such as your email address, phone number, etc.
  • Double check recurring payments for accuracy, paying close attention to the delivery indicator (Check or Electronic). Please allow 5-7 business days for check payments and 2-3 for electronic. You’ll also see a Deliver By date. This is the date we expect the payee to receive funds.
  • Please note that funds will now be debited from your account on the Payment Date. Previously, it would take 1 business day for your account to be debited. 
  • Fifteen months of history has been transferred as part of the upgrade as of October 31, 2018. 

VIEW A DEMO                              

If you have any questions about this upcoming upgrade, please contact us or stop in to your local branch. Thank you for being our customer.

 
 
  • Accounts will now be debited on the payment date. Previously, it would take 1 business day for your account to be debited.
  • Transaction limits will be set at a global level. Previously, they could be individually determined.
  • Some Bill Pays that are currently electronic will become paper
    • Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
    • Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.
    • Pay close attention to the delivery indicator (Check or Electronic) and the Deliver By date. This is the date we expect the payee to receive funds. Funds will be debited from your account on the Payment Date.
  • The new system will validate whether or not funds are available when the payment is submitted; if funds are available, it will memo-post. If not, there will be a rejection notice. In the event funds are not available, our new service will try up to 5 times to process a requested bill pay before it is canceled.
  • There are 2 bill pay processing times each business day; 8:00 am & 3:00 pm. Those payments scheduled after 8:00 am will be processed at 3:00 pm.  Payments scheduled after 3:00 pm will be processed the next business day at 8:00 am.
  • When you add a payee, you will be prompted to enable or disable security alerts, and you may be prompted to complete Two-Factor Authentication (TFA). See Conversion FAQ for more information.

Q: When will the conversion take place?
A: October 25-28. The new system will be live on October 29.

Q: Will I need to re-enroll in Bill Pay?
A: No, but you will be prompted to read and agree to the Terms and Conditions the first time you access the system following the conversion.

Q: Will I need to set up my payees and recurring or future dated payments following conversion?
A: No, your payees and payments will be converted with your Bill Pay account information. However, please note that any eBill payments will not convert, and will need to be re-established following conversion.*

Q: Will I need to re-enroll my funding accounts?
A: No, your funding account information will be converted with your Bill Pay account.

Q: Will there be any service interruptions?
A:

  1. Yes. Bill Pay will be unavailable from 4:00pm on Thursday, October 25, until 8:00am on Monday, October 29. All other Internet Banking systems will remain operational.
  2. *eBills will be disabled on October 19 – anything scheduled to be delivered after the 19th will not be processed. Please review your eBills and plan to manually pay any bills you expect to receive between October 19 and 29. You will then need to re-establish your eBills following conversion.

Q: What should I do to prepare for the conversion?
A:

  1. Please review your funding account information, current payees, and any scheduled payments. This information will transfer upon conversion, so now is a good time to check for accuracy
  2. Download any transaction history prior to 15 months that may be needed. 15 months of history will be transferred no later than October 31, 2018.

Q: Do I need to do anything after the conversion?
A:

  1. Read and agree to the Terms and Conditions when prompted (the first time you access the system after conversion).
  2. Re-activate any eBills you had previously set up. eBill settings will not transfer to the new system.
  3. Review your funding accounts, payees, and any recurring / future dated payments. Pay close attention to the delivery indicator (Check or Electronic) and the Deliver By date. This is the date we expect the payee to receive funds. Funds will be debited from your account on the Payment Date.
  4. Re-establish your funding account nicknames

Q: What is Two Factor Authentication (TFA)?
A: Two Factor Authentication is an extra layer of security that requires not only a username and password but also something that only the user has in their possession ie.  Text Message or Phone call with a specific authentication code to enter.

Q: Is TFA required when setting up Payees?
A: Yes.  TFA will be required when setting up a high risk payee such as paying an Individual or Financial Institution.

Q: How can I change the method of TFA that is set up in my bill pay?
A: Bill Payments > My Account > View/Edit Personal Information > answer challenge question > make changes > Submit

Q: What happens the first time I click on Bill Payments?
A: You will be required to agree to the new terms and conditions.  In addition, you will be prompted to set up challenge questions, which will be used if you ever need to change your personal information, such as your email address, phone number, etc.

Q: How come not all of my most recent payment history doesn’t show up when I choose the last 30, 60, or 90 days? I know I’ve used bill pay during that time.
A: Since we upgraded our bill pay program on October 29, all transactions from that date and prior are available under a separate category titled, “History prior to 10/29/2018.” All of the data prior to our upgrade is stored there for your convenience. To find these transactions, click “view more” in the history box, located to the right of your payee list.  Then, click the “Transactions” button and choose “History prior to 10/29/2018”.

Q: I used to see a notation under the vendor that told me the last amount I paid and when. This helped me know how much to pay, and to avoid duplicate payments. When will I see this again?
A: As soon as you make your first payment in the upgraded system, you will once again see this notation. When you make your second and subsequent payments, the notation will appear.

Q: What is Online Bill Pay?
A: Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Q: Who can I pay with Online Bill Pay?
A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

Q: How do I enroll in Online Bill Pay?
A: It’s easy to enroll in Online Bill Pay. Just log in to your account and click the "Bill Pay" link to access the short enrollment form.

Q: How do I start using Online Bill Pay?
A: The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  • Log in to your account and click the "Bill Pay" link.
  • Add your payee from the "Payees" tab.
  • Enter the requested information. Typically this information can be found on your latest bill statement.
  • Once you add your payee, you can start making payments in seconds.

Q: How do I make payments with Online Bill Pay?

  • Select “Single Payments” under the “Payments” tab.
  • Choose “Pay a Bill” and your payee.
  • Enter the payment amount and date, then submit.

Q: How are online payments delivered?
A: Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Q: Is Online Bill Pay secure?
A: Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Q: How long does it take before my payment is received?
A: Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Q: How are the scheduled payments processed with Online Bill Pay?
A: Most scheduled payments are sent electronically. Funds for all payment types are withdrawn from your account on the payment date.

Q: What are the primary benefits of Online Bill Pay?
A: Here's a quick list of the many ways you can benefit from using Online Bill Pay.

  • Save time. With Online Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  • Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  • Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  • Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  • Help the environment by saving paper. With Online Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

Q: What is eBill?
A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Online Bill Pay account.

Q: How do eBills work?
A: eBills are delivered directly to your Online Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q: Will I still receive paper statements when I have eBill?
A: You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

Q: How will I know if eBill is available for a payee?
A: If a payee offers eBill, there will be a “Setup eBill” link next to their listing in your Online Bill Pay.

Q: What are the primary benefits of eBill?
A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

Q: What information is included in an eBill?
A: Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.

Q: How do I pay an eBill?
A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q: How do I know when I have received an eBill?
A: You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

Q: What is eBill?
A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account.

Q: How do eBills work?
A: eBills are delivered directly to your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q: Will I still receive paper statements when I have eBill?
A: You will continue to receive paper statements from your payee unless you contact your payee to stop sending those statements.

Q: How will I know if eBill is available for a payee?
A: There are two easy ways to determine if a payee offers eBill. You can check to see if there is a “Set up eBill” link next to their listing on your Business Bill Pay home page, or look for the “Sign Up” icon under their name in the “View Payees” section.

Q: What are the primary benefits of eBill?
A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. In addition, you can view past bill summaries at a glance.

Q: What information is included in an eBill?
A: Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website.

Q: How do I pay an eBill?
A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q: How do I know when I have received an eBill?
A: You can sign up to receive an email notice to alert you when an eBill has been delivered to your account.

Q: How come not all of my most recent payment history doesn’t show up when I choose the last 30, 60, or 90 days? I know I’ve used bill pay during that time.

A: Since we upgraded our bill pay program on October 29, all transactions from that date and prior are available under a separate category titled, “History prior to 10/29/2018.” All of the data prior to our upgrade is stored there for your convenience. To find these transactions, click “view more” in the history box, located to the right of your payee list.  Then, click the “Transactions” button and choose “History prior to 10/29/2018”.

Q: I used to see a notation under the vendor that told me the last amount I paid and when. This helped me know how much to pay, and to avoid duplicate payments. When will I see this again?
A: As soon as you make your first payment in the upgraded system, you will once again see this notation. When you make your second and subsequent payments, the notation will appear.