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Bill Pay FAQs


Q. What is Bill Pay?

Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking or mobile 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. Is there a cost to use it? 

There is no cost for members to use our consumer Bill Pay.

Q. Who can I pay?

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, credit cards, or individuals such as a landlord, babysitter, or a relative.

Q. What bills may I pay?

You can pay virtually anyone at any time, but we do not recommend paying Government service charges, such as property taxes, traffic tickets, child support payments, etc., through Bill Pay.

Q. How does Bill Pay work?

Bill Pay is a safe and convenient way of paying your bills. Bill Pay 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.

Q. Is Bill Pay secure?

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

Q. Can I see how Bill Pay works before I sign up?

Learn more by viewing our Bill Pay demonstration.

Q. How do I enroll in Bill Pay?

You can enroll for Bill Pay in three easy steps:

    • Access and login to your online account at 
    • Use the “Bill Pay” link to access the enrollment form 
    • Complete the enrollment form and click submit

Q. How do I start using Bill Pay?

First, you must have an Online Banking account. If you do not have an Online Banking account, you can enroll at Then, you need to enroll in Bill Pay within Online Banking by following the steps above. Lastly, you must have a checking account with us. If you have enrolled and have a checking account, you can make a payment in four easy steps.

    • Grab a Bill and login to your account at 
    • Click on the “Bill Pay” link 
    • Add your payee from the “Payees” tab 
    • Enter the amount you want to be paid and make your payment

Q. What if I have questions about Bill Pay?

You can call 888-317-8279, send a secure message through our Message Center, or use the Live Chat option.

Q. How are payments delivered?

Payments are sent one of two ways: electronically or by check. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via a secure transmission. All other payments are made by check and mailed via the U.S. Postal Service. Payments are sent at 3 pm every business day. When a payment is submitted after 3 pm, the earliest it can be sent is the next business day.

    • Electronic payments. Funds are withdrawn two business days before the “Deliver By" date.
    • Check payments (non-electronic). Checks are mailed 5 days prior to the “Deliver By" date, however, funds will not be withdrawn from your account until the payee has processed your payment. 

Q. How long does it take before my payment is received?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via check.

Q. How are scheduled payments processed with Bill Pay?

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Q. Will overdraft protection work with Bill Pay?

Overdraft protection will only be available for bills paid via check (non-electronic), not with bills paid electronically.

Q. What are the primary benefits of Bill Pay?

Here is a quick list of the many ways you can benefit from using Bill Pay.

  • Save time. It takes only minutes to pay your bills each month. You save time on trips to the post office and filing away paper receipts. Smart features such as recurring payments allow you to set up a schedule to pay your bills automatically.
  • Save money. Bill Pay saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $75.001 per year.
  • Stay organized. Your payment history is stored online so you won’t have to file and sort through paper receipts.
  • Gain peace of mind. You can schedule payments in advance so you won't have to worry about paying bills when you travel. Bill Pay reminders are also available to notify you it’s time to pay your bill.
  • Save paper. With Bill Pay, there are no checks to write or envelopes to mail. That’s good news for you and the environment.

Q. If I add my first payee today, can I immediately make a Rush Payment?

When you add a payee, Bill Pay immediately begins the process of authenticating your payee information from your profile to the merchant database. This ensures that the payment will be accurately remitted to the merchant. Once your payee has been authorized, you may make a Rush Payment to that merchant.

Q. What merchants are eligible for Rush Payments?

Virtually any of your payees are eligible for Rush Payments, except for Government service charges (property taxes, traffic tickets, child support, etc). Some merchants have daily cutoff times for posting transactions and payments. Merchant cutoff times range throughout the day. Payments scheduled on Bill Pay must be scheduled prior to the daily cutoff time of 3 pm.


Q. What is eBill?

eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account. For more information on eBills view this demo.

Q. How do eBills work?

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?

You will also continue to receive paper statements unless you request that the payee stop sending those statements.

Q. How will I know if eBill is available for a payee?

There are two easy ways to determine if a payee offers eBill. You can check to see if there is a “Setup eBill” link next to their listing on your 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?

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: How do I pay an eBill?

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. Can I access Bill Pay from my mobile banking?

If you are signed up for mobile banking and Bill Pay you will have a tab that says Bill Pay when you log in to your mobile banking site.

Q. Can I make payments from my Bill Pay within mobile banking?

Yes, you can send a one-time payment from your mobile phone. You will not be able to set up future or recurring payments.