BILL PAY FREQUENTLY
When and how are the payments
Payments submitted, recurring or one
time, before 2:00 a.m. Monday-Friday will be processed at 2:00 a.m.
Payments submitted between 2:00 a.m. and Noon will be processed at
12 Noon. Payments received after 12:00 noon on Monday-Thursday will
be processed the next business day. Payments received after 12:00
Noon on Friday will be processed the next business day. All payments
scheduled to go on a weekend will be processed on the processing day
before the weekend. All payments scheduled to go on a holiday will
be processed on the business day before that date. Payments entered
on the weekend, recurring or one time, will be processed on
the next business day.
What happens if I have a scheduled
payment that falls over a weekend or holiday?
If a scheduled payment falls
on a holiday or weekend, it will be paid on the Friday before the
weekend, or the last working day before the holiday.
Can I use Online Bill Payment if I
live outside the U.S.?
Yes, as long as you have a bank
account in the United States. However, you cannot pay bills to
payees located outside the United States.
Can I get a copy of a cancelled check?
Yes. You can view and print it
through your online banking account transaction page.
How long is history retained in the
View Payment History Section?
Payment history for active and
deleted payees is retained and viewable for 18 months.
How far in advance should I set up a
payment to ensure it is paid on time?
For an electronic payment, allow 3
business days from when the payment is submitted. For a check
payment, the check will be in the mail the same day the payment is
submitted if it is submitted before the 2 a.m. processing. If the
check payment is entered before 12:00 Noon, the check will be mailed
the following morning. Allow 5 to 7 business days for a check
Please note that we have no control over the U.S. Postal
Can I stop a payment?
Only check payments can be stopped
after the check is printed and mailed, payment history will show the
check number for that payment. The stop payment would be added in
the same manner as for a regular check written out of your
Whom can I pay through Online Bill
You can pay ANYONE in the United
States from the next-door neighbor, to the utility company, to the
bank, and even a child in college across the country.
What do the status fields indicate on
the Payment History Page?
Processed The payment has been
processed and sent.
Rejected NSF The payment that you have tried sending has rejected
due to Non-sufficient funds. NSF payments will keep trying until one
of the following happens: the funds become available; if its a
recurring payment and it expires, or if you delete the payment.
Communication Failure There was an error due to communication
problems. The payment will try again during the next processing run.
Vendor Refund Payment rejected.
Can I edit Payee addresses?
No. Once an address is entered it
stays with that payee. If you need to change an address it will be
necessary to recreate the payee using the new address.
How do I know if a payee is electronic
Once you have set up the payee, then
you can look at the PAYEE LIST screen and you will see a field that
will tell you if the payee is electronic or check.
How many payees may I have set up?
There is no limit to the amount of
payees you can set up through the Internet.
What payment frequencies are
You can set up payments in any of the
When can you edit the dollar amount on
a scheduled recurring payment?
You may edit the dollar amount the
next business day after the scheduled payment date.
Are there any merchants that I cannot
pay through the Bill Payment Service?
No. Any merchant that is on our
database can be processed electronically. If a merchant is not on
the list you may send the payment as a check. Make sure that you
enter your merchant account number exactly the way it appears on
your bill. If you choose a merchant on the electronic database that
requires an address match choose the correct remittance address
listed on your bill.
Are there minimum and maximum payment
Electronic payments are validated
against the available account balance prior to processing, and check
payments settle against your account like any other check,
therefore, there is no dollar limitation on payments made through
Bill Pay. You are limited only by the amount of funds in your
When will the money be taken out of my
For an electronic payment,
funds are debited the same day that the payment is sent, providing
it is sent by 12:00 Noon. Electronic payments submitted after 12:00
Noon are debited the next day during bill pay processing. Check
payment funds are debited from the account when the check clears
your account at the bank.
What if I do not have enough money in
Check payments are handled in
the same manner as a check written out of your checkbook against an
Electronic payments are verified for funds availability
during processing. If the funds are available, the account that you
selected for the payment will be debited and the information sent on
for processing. If the funds are not available, the payment will not
be processed and you will receive a message to inform you that the
payment could not be sent due to insufficient funds. Each day the
payment will be resubmitted for you until either you delete the
payment or the funds are in the account to make the payment.
Will the memo field I fill out when
setting up a payment be passed on to the payee?
No. The memo information only appears
on your payment history.
How late in the day can I enter, edit,
or delete a payment?
You may add, edit, or delete a
payment up to 2:00 a.m. on the day the payment is scheduled to be
sent. If a same day payment is submitted between 2:00 a.m. and Noon
it may be edited up until Noon.
If you need assistance or have any
questions please contact one of our online banking specialists at
618-566-8800 or 618-235-7335.