FAQ
What is Bill Pay?
Bill Pay is an online bill payment system that allows you to send an electronic or check remittance to a business or person within the United States.
Is there a fee to use Bill Pay?
The optional Bill Pay Service is free to customers with Online Banking services. Expedited payments may have an additional fee, refer to our Personal Fee Schedule [PDF 156KB] or Business Fee Schedule [PDF 155KB] for more information.
How do I add Bill Pay accounts?
After you are enrolled, you can add accounts from the Bill Pay tab in Online Banking or by sending a request to us using the Secure Mail Message Center on the Mobile App.
How far in advance should I set up a payment to ensure it is paid on time?
Check payments should be scheduled at least 10 business days in advance of when you want the payment to actually be posted at the payee.
Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee.
NOTE - You may want to set up a payment to yourself so you can see how the system works.
How do I know if a payee is electronic or check?
When you are setting up a new payee, you must enter the payee name. This will automatically search to see if the payee accepts electronic payments. If not, it will automatically produce a check. Once you have set up the payee, you can look at the VIEW PAYEES screen, and you will see a field that will tell you if the payee accepts electronic or check payments.
What if I do not have enough money in my account for the payments I have scheduled?
For an electronic payment, the system will attempt the payment twice on the scheduled date at 7:00 a.m. & 2:00 p.m.. The system will attempt the payment twice again the next business day at the same times if funds are not available the first day. After that the payment cancels if the funds are not available.
If a check is returned, it is up to the receiver to re-present, and they can only represent one time.
Whom can I pay with Bill Payment?
You can pay any individual, bank or business in the United States.
How many payees may I set up?
When using Bill Pay to pay an individual, the following limits apply:
- Per transaction: $1,700
- Per day: $3,400
How many payees may I set up?
There is no limit to the number of payees you can have.
Can I have multiple payments to the same payee on the same day?
Yes, but your payments may be limited by your normal daily account limits.
How late in the day can I enter, edit, or delete a payment?
You may enter, edit, or delete payments scheduled Monday through Saturday up until 2:00 p.m. (CST) the day before the scheduled payment date.
How do I cancel a bill payment?
To cancel a bill payment you have scheduled, you must cancel the payment online before 2:00 p.m. (CT) on the business date prior to the date the payment is scheduled to be debited from your account.
What happens if I have a scheduled payment that falls over a weekend or holiday?
Scheduled payments that fall over a weekend will be processed on following business day. Any new payments that are scheduled over the weekend, for the current weekend, will be processed at the end of the next business day. Holiday processing is done the following day after the holiday.
Can I place stop payments for electronic bill payments or can I delete the electronic item once it has been submitted?
No, once the electronic item is submitted, it will be processed. We cannot place a stop payment on electronic payments after the item has been processed.
When will the money be taken out of my account?
If the payee is paid electronically, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears.
Will the memo field I fill out when setting up a payment be passed on to the payee?
Yes, your memo will appear on paper check bill payments.
*Message and Data rates may apply, check with your wireless carrier for details.
