Internet Banking

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-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.

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.

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.

Yes. You can view and print it through your online banking account transaction page.

Payment history for active and deleted payees is retained and viewable for 18 months.

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 payment.

Please note that we have no control over the U.S. Postal Service.

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 checkbook.

You can pay almost 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.

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 it’s 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.

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.

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

There is no limit to the amount of payees you can set up through the Internet.

You can set up payments in any of the following frequencies:

Weekly
Bi-weekly
Monthly
Semi-monthly
Quarterly
Annually
Semi-annually

You may edit the dollar amount the next business day after the scheduled payment date.

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.

• You cannot pay bills to payees located outside of the United States.

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.

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.

Check Payments – Bill pay transactions that are processed by creating a paper check that is mailed to your payee are handled in the same manner as a check you write out of your checkbook. Just like a check you write, the bill pay check is debited from your account at the time the check is presented to us for payment. You need to be sure you deduct the amount of the check from your balance as you would with a check you write to another party. A bill pay check presented against insufficient funds may result in overdraft related fees.

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.

No. The memo information only appears on your payment history.

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.