ENROLLMENT

1. Sign into Internet Banking or Mobile Banking and select the BillPay tab.
2. Review the terms and conditions. Select Yes, I accept the terms and conditions.
3. Select Accept and Submit.

MINIMUM SYSTEM REQUIREMENTS

FREQUENTLY ASKED QUESTIONS

What is BillPay?

• BillPay is a product that allows you to securely pay your mortgage, credit card bills, the power company, family and friends, and much more without having to write a check. BillPay is affiliated with hundreds of businesses making it easy for you to send payments.

What are the benefits of BillPay?

• Save time by paying your bills online and in one place. No more trips to the post office and no need to memorize multiple website logins to pay individual bills. Set up recurring payments to save even more time on regular payments.
  
• Save money by removing the need to purchase postage stamps, envelopes, and checks. Most services through BillPay are free!
  
• Stay organized by keeping payment history all within BillPay. No need to 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 electronic BillPay payments, there are no checks or envelopes being used. That is good news for both you and the environment.

Who can I pay with BillPay?

• You can pay essentially any business or individual within the United States. For businesses you can pay utilities, cable bills, loans, or credit cards. For individuals you can pay your landlord, babysitter, friends, family, or even yourself if you have other accounts with other financial institutions.
  

How do I add a payee?

• Clicking "+Payee" at the top of the Payments page will walk you through a one-time, step-by-step process to gather information from a recent billing statement. ** If the "search/frequently used" section does not work, please select "pay a company or pay a person" at the bottom of page. To receive notifications when a payee is added to bill pay, turn on "Notifications" in My Account.

How does the email or text message delivery method work?

1. Select the + PAYEE icon
   
2. Select PAY A PERSON, then select email or text message (electronic) and select NEXT.
   
3. Enter cell phone number or email address.
   
4. Create payee nickname.
   
5. Create a keyword for payee to confirm their identity.

• When adding payee, choose the "Pay a person" option. There are several options available for sending your payment.

• No. Holidays and weekends are not eligible for payment processing, and will affect available dates when scheduling your payments.

• Memos can be used when there is additional information about the payment you need to disclose. Example: Adding "apply extra payment to principal" on a mortgage payment.

• To set up a recurring payment, click the "make it recurring" link located in the "Action" column of your payee on the Payments page. Enter the amount, select the pay-from account and the frequency by which you want your payments to be automatically scheduled.

• Yes. You can view all your scheduled payments by clicking the "View more" link located in the "Pending section" of your Payments page or the "View pending transactions" link available below the schedule payment section of your Payments page.

• Yes. You may edit or stop a payment until the first processing time on the process date. Payments process at 7am Central Time and 2pm Central Time. While payments are processing, the availability of funds are being verified. If funds are verified and a payment is successfully processed, it cannot be edited or stopped. If payment funds are not verified due to insufficient funds, the payment can be edited or stopped up until the next processing time.

• Your transaction history helps you keep track of your payments with customized reports, and by providing a detailed timeline of each transaction that you have scheduled within BillPay.

• Your transaction history is stored for up to 18 months from the current date.

• A payee limit is set to ensure your payments are processed as efficiently as possible.

• Payments may process electronically or by check. Electronic payments will either process through ACH or by virtual cards. The goal is to deliver your payment securely, using the fastest method available for your payee.

• Not necessarily. If your payee establishes a new electronic payment relationship or discontinues a relationship, your payment processing method may change. A check payment may start processing electronically, or vice versa depending on the payee.

• You should not be charged a fee when your payment is paid using a virtual card. If you believe you were charged, please contact us to research the fee.

Is BillPay secure?

• Paying bills online is one of the safest ways to pay your bills. BillPay 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 payment activity.
  

How long does it take before my payment is received?

• Electronic payments are paid within 1-2 business days.
• Paper checks are mailed and delivered within 5-7 business days.
  

When are funds debited from my account within BillPay?

• If the payment is delivered electronically, the funds are withdrawn from your account on the payment date.
• If the payment is delivered by check, the funds are withdrawn from your account when the check is cashed.

• A pay-from account can be added by accessing "My account" and clicking the "Add account" link located in the pay-from account section.

• A pay-from account can be edited by accessing "My account", clicking the "View account" link, and clicking "Edit" next to the pay-from account.

• Our Client Services staff are available to assist you at 651.439.5195. Solutions depend on how the payment was delivered, whether electronically or by paper check.

• An eBill is an electronic presentation of your bill from your payee. eBills may be in the form of a PDF or summary information, and will provide you with the due date and amount due from your billing statement. You may also receive an alert when it's time to schedule your payment. To receive alerts, turn them on in My Account.

• If your payee is eligible for eBills in BillPay, you can add them as a payee to receive your bills electronically. You may be prompted to enter the credentials that you would use to log in to your biller site, your account number on your statement, and the ZIP Code of your payee. The payee may require other information to verify your identity. This prompt depends on the payee and what they need from you for you to register to receive your bill electronically. A benefit of an eBill is that you may also receive payment confirmations from the payee when the payment is received. This depends on the payee and if they offer payment confirmations. Note: Be sure you know your credentials and your account number to set up your payee without an error.

• The Biller Connect tile allows you to click on the payee that you added to complete the process for receiving an eBill for that payee. Follow the prompts to add the required information. The set-up process may take up to 24 hours to make the connection. The time that the connection takes is controlled by your payee.

• Autopay can be set up to automatically schedule your payment when your new eBill arrives. This is based on how you set your preferences when you added the payee to your list. Note: some payees will not allow you to set up autopay in BillPay if you have autopay turned on at their website.

• A rush payment can be used to send a payment to be delivered the next day or two days from the scheduled date. Fees will apply.

• If you have a bill that's too close for comfort to the due date, you can use the "Rush delivery" link to select a guaranteed delivery option.

• Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.

• Click "My account" and use the "View alerts" link under the "Notifications" section of the page to set the notification preferences within your BillPay account. To receive notifications when a payee is added, an eBill is received, etc., turn on "Notifications" in "My account"

• If there are actions required, the "Attention required" indicator will appear to notify you and provide links to help you resolve the items.

• The payment calendar is a monthly snapshot of transactions that are pending or processed. You can access pending payment or payment history by clicking the transaction totals displayed on any given day.