online bill pay

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Q:  How do I register for Online Bill Pay?

A:  Online Bill Pay registration is easy!  You can enroll for Bill Pay while registering for Online Banking, or by clicking on the 'Bill Pay' button in Online Banking.  You are first requested to read and accept the authorization disclosure.  Failure to accept the disclosure terms prevents the registration process from proceeding.

Once you agree to the terms in the disclosure you will complete the online registration form.  The form is submitted to us for review and approval.  (Upon approval, you will receive an email stating that you will be notified by another email when your Bill Pay Account has been set up.)   Once you receive this notification, simply click on the Bill Pay button to pay your bills online.

 

Q:  Can I receive my bills electronically?

A:  Yes, if you have already set up the payee, to begin online delivery of a bill from your navigation links click 'Payee List'.  From you list of payees, click the name of the corresponding payee.  The Payee Details page appears.  Within the Online Bill Information, click the 'Receive a Bill Online' link.  the Edit Payee page appears.  Make your change and click 'Save Changes'.  You should begin receiving you bill online within one to two billing cycles.  To expedite the process, you may want to contact your payee directly and request that they update your billing address.  If you have not yet set up this payee, from you navigation links click 'Add Payee'.  During the setup process, you will be asked if you want to receive the bill online.

 

Q:  How can I end online delivery of a bill and resume receiving my paper bill at home?

A:  To stop online delivery of a bill, from your navigation links, click 'Payee List'.  From your list of payees, click the name of the corresponding payee.  Within the Payee section, click the 'Stop Receiving Bills Online' link within "Online Bill Information" display to change information.  You will receive a confirmation message from the system and must click 'Submit' to complete the deactivation of the electronic bill.
For payees where we retrieve bills from your biller's website, this process will simply end online delivery of your bill.  If you have requested that your payee stop sending the paper bill to your home, you should contact your payee directly to resume receiving a paper bill.

 

Q:  Is there a way to get a years record of all my bill pay transactions?

A:  Yes, you can order your annual Bill Pay CD for $25.00 by simply clicking on the 'Order CD' link and complete the short form then click 'Submit'.  Note:  You can order the CD anytime throughout the year, but it will not be shipped to you until the entire calendar year's transactions have been completed.

 

Q:   When do you contact me regarding my account?

A:  We use email notifications to keep in touch with you about your account.  As our Customer, you may choose to receive emails in the following situations:

• When a bill is received.
• When a bill has not been received "X" days before the billing date.
• When no payment has been scheduled "X" days before the payment is due.
• When a payment is made.

From time to time, you may also receive other notifications about your account; such as emails about a specific payment, future payment reminders, and changes made to your personal profile or password, if applicable.  As a security measure, all email communication is standardized to not include any personal or confidential information.

  

Q:  How do I add new payees?

A:  To add a new payee to your account, click the 'Add Payee' link under the Payees main navigation button.  The Add Payee page will appear with instructions for adding the payee.  New payees will be added to the payee list immediately.

Q:  When I add a new payee to my Bill Pay account, or change my account number, how quickly will the change take place?

A:  When you update the information for the Bill Pay account, the changes are implemented instantaneously.

 

Q:   How do I update a payee's account number?

A:  To update a payee's account number, click 'Payee List' from your navigation links to display your list of payees.  Click on the payee that you want to change.  Within the Payee information section, click the 'Change Information' link to display the Edit Payee page.  Enter the new account number and click 'Save Changes'.  Note:  Some account numbers are provided to us directly from your payee to ensure accurate and timely electronic transactions.  You cannot edit these account numbers.  If you need to change on of these account numbers, please contact us. 

 

Q:  How do I update a payee's remittance address?

A:  From your navigation choose 'Payee List', and click on the payee you want to change.  Within the Payee Information section, click the 'Change Information' link to display the Edit Payee page.  Enter the new address and click 'Save Changes.'  Note:  Some address are provided to us directly from you payee to ensure the proper processing of payments.  You cannot edit these addresses.  If you need to change one of these addresses, please contact us.

 

Q:  Is it possible to schedule recurring payments?

A:  Yes. You can schedule weekly, semi-monthly and monthly recurring payments.  The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

 

Q:  Can I pay my bills from more than one account?

A:  Yes, once you are signed up for Bill Pay, you have the ability to set up multiple checking accounts to fund your bill payments by clicking on 'Add Funding Account' and follow the prompts.

 

Q:  Can I use Online Bill Pay with all my accounts?

A:   No, only checking accounts can be used for Bill Pay purposes.

 

Q:  Can I use electronic Bill Pay with all my accounts?

A:  No, only checking accounts can be used for Bill Pay purposes.

 

Q:  When is Bill Pay available?

A:  You can schedule payments 24-hours a day, seven days a week.

 

Q:  Are my Bill Pay transactions reflected as Online Banking transactions?

A:  All Bill Pay transactions become part of the Online Banking transaction history and show up in personal financial management applications when the transaction history is viewed.

 

Q:  Can Bill Pay be used when I am out of the country?

A:  Bill Pay provides you with peace of mind when you are traveling for an extended period of time.  All you need is access to the Internet through a secure browser that supports 128 bit encryption, and you can pay your bills while out of the country.  Payees must be located within the 50 United States and Territories.

 

Q:  Who can be paid using the Bill Pay system?

A:  Anyone in the 50 United States and territories who can accept a check can be paid using the Bill Pay system.  You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative.  However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online Bill Pay system.

 

Q:  Can I pay my bills on the weekend?

A:  Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days.  If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

 

Q:  If I schedule multiple bill payments for a single day, how will my account be debited - as a lump sum or separately?

A:  Each bill payment is debited separately.

 

Q:  What if I do not have sufficient funds on the day the Bill Pay provider (M&I Data Services) debits my account?

A:  Following is a summary of M&I Data Service's Insufficient Funds procedure:

• A block will automatically be placed on all accounts that have an ACH debit returned to Bill Pay services.  No additional bill pay will be processed until the account is properly funded and the return(s) cleared.  If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed.  A copy will also be sent to the Financial Institution.
• Upon the first return, M&I Data Services will automatically re-send all ACH returns under $100.00.  Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
• M&I Data Services will contact the financial institution to verify all returns exceeding $100.00.  If funds are available, they will re-send the return(s).  If funds are unavailable and if the payment was made by check, a stop payment will be placed.

 

Q:  If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?

A:  If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee.  You always have the option to manually enter a different address for a payee.

If you select an electronic payee with the address that matches that indicated on the payment coupon, and M&I routes the payment incorrectly, then M&I data services will take responsibility for the late fee.

 

Q:  Are all debits and credits sent out at the same time?

A:  Yes, they are all sent out at the same time.

 

Q:  How is my account debited?

A:  Your account is debited via ACH.

 

Q:  What is ACH?

A:  Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

 

Q:  How do I place a 'stop payment' on a bill payment?

A:  A payment may be edited or deleted anytime before the "process date."  Payments that have been remitted electronically cannot be stopped.

 

Q:  If I have questions about online bill pay, who do I call?

A: You can contact our customer solutions center Monday - Friday, 8:00 am - 6:00 pm, by calling (845) 229-8800, option 3. After business hours, call 1 (800) 823-7555 (available 24-hours a day, 7 days a week).