What is Bill Pay?
Bill Pay is part
of Online Banking and is designed to make your life easier by eliminating
checks, envelopes, and stamps. You tell us whom you want to pay and when, and
with a click of a mouse your bills are paid.
Will Bill Pay cost me anything?
There is no monthly charge or fees
for using Bill Pay as long as you receive your bank statement
How many bills can I pay with Bill Pay?
There is no limit to the number of bills you can
When is the money taken from my account for Bill Pay?
We do not take money out of your account in advance
of the payment date. Funds are paid to your biller by either electronic draft
or paper check drawn on your account.
Can I use Bill Pay with all my accounts?
No, only checking accounts or
money market accounts can be used for bill payment purposes.
When is Bill Pay available?
Our Bill Pay system
is available 24 hours a day, 7 days a week. However, the cut-off time for each
business day is 3:00 p.m. CST. After this time, each request will be processed
the following business day. Bill Pay, along with Internet Banking, may be
unavailable at certain times for brief periods due to system
How soon will a Bill Pay transaction get to the business/personal that I sent it to?
Sometimes payments can be sent directly to a business electronically if we have
a relationship set up with them. Other times, a check must be cut and mailed to
them. Typically, if the item can be sent electronically, it will arrive in 1-2
business days. If the check has to be mailed, it may take up to 4 business days
to arrive based upon the speed of mail delivery. You do have the option to
rush a payment if you so choose.
Whom can I pay?
You can pay virtually anyone in the United States - from
credit cards, mortgage companies, auto loans, and department stores to the
newspaper carrier. We are able to process any payments to federal, state, local
tax agencies or court ordered payments; however, no payment guarantee will be
associated with these payments.
How do I create a payee?
Click on My Payees under the Pay Bills tab. Information
you will need when setting up a payee: payee name and mailing address, payee
phone number, and the account number if you have one associated with the payee.
You can assign nicknames so you can easily identify payees.
When can I schedule the first payment to a new payee that I just created?
You may setup a payee and schedule the first payment
in the same session.
How far into the future can a scheduled recurring payment be made?
Recurring payments can be
scheduled for up to one year from today's date.
Is there a limit on how much I can pay each payee?
limit of $25,000 per payee each business day is imposed for standard payments.
For expedited payments, is limit is $10,000 per payee each business
How do I edit a payment from Bill Pay?
You have up to 3:00 p.m. CST on the day the payment is to
be sent to edit or delete a payment. To do so, simply visit the Bill Pay Center
within the 'Pay Bills' tab. Under 'Scheduled Payments', locate the payment you
have scheduled and in the far right column under 'Status' click on the link,
'Edit', to make changes to your bill payment. You can click, 'Delete', to
delete the payment from being made.
What is an expedite payment?
An expedited payment is a payment that is
delivered to the payee faster than standard payments, typically overnight.
These payments are subject to a nominal convenience fee that is automatically
debited from your funding account.
Can I edit or delete a transfer that I scheduled for today?
Transfers can be
edited or deleted until 6:00 p.m. CST on the day they are scheduled to be
Why does my Online Banking session time out?
For security reasons, your Online Banking session will
timeout after 15 minutes of inactivity (this is, if you have submitted any
transactions or clicked on any new pages). Our Online Banking is designed this
way to provide you with maximum security in case you forget to log
How secure is my Online Banking?
Security begins with your browser. To protect transactions, we only
accept logins originating from a browser that supports the highest level of
encryption (128-bit). Encryption prevents transactions from being read by
unauthorized parties over the Internet. For Online Banking we recommend you
use one of the following browsers:
- Internet Explorer 8.0+