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
How many bill can I pay with Bill Pay?
There is no limit to the number of bills
you can pay.
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?
only checking accounts or money market accounts can be used for bill payment
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 maintenance.
How soon will a Bill Pay transaction get to the business/personal that I sent it to?
It depends. 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
Whom can I pay?
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
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?
A maximum 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
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?
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
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 sent.
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 out.
How secure is my Online Banking?
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
- Firefox 3.0+
- Internet Explorer 8.0+