Tools & Education
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Is there a charge for using Online Bill Payment?
The Online Bill Payment service is available for use at no cost. General account fees still apply. For more information, see the terms and conditions for Online Banking with Bill Pay or your Checking/Savings account Agreements and Disclosures. 
What are the features of Online Bill Payment?

With Online Bill Payment you can:

  • Make one-time payments
  • Schedule recurring payments
  • Track pending payments
  • Manage payee information
  • Create custom bill payment reports View the Bill Pay demo.
Who can I pay with Online Bill Payments?
Online Bill Payments can be sent to almost anyone that you would otherwise send a paper check. This includes payments for credit cards, insurance, mortgages, rent, phone service, utilities, medical bills, child care and for personal payments to friends or family. We recommend, however, that you do not use the Online Bill Payment service to pay taxes, alimony, child support, court ordered payments, governmental payments, fines, penalties and payment outside of the United States or U.S. territories.
How do I set up a checking account for Online Bill Payment?
If you are an owner or joint owner on one or more personal checking accounts, you will automatically be prompted to specify a primary checking account for online bill payment during the enrollment process.

If you have multiple checking accounts that you wish to pay bills from, you will have the ability to add other personal checking accounts under "Account Preferences" after your Online Bill Payment account is set up.
When will my Online Bill Payment account be set up?
Online Bill Payment accounts are processed and set up approximately 2 business days from the date of enrollment.
From what accounts can I pay bills?
Personal checking accounts that you are the owner or joint owner on are the only account types that are eligible for online bill payment.
How do I set up my other checking accounts to use for Online Bill Payments?
When you enroll for Online Banking with Bill Pay your primary checking account is automatically enabled for bill payment. To enable an additional account, click on the "Accounts" option in the menu panel from the Account Summary screen and Select "Account Preferences" (a list of your accounts will appear). In the Bill Pay column click the check box to activate the account for bill payment. Click "OK".

The additional account(s) will be enabled within the bill pay
How do I start using the Online Bill Payment feature to pay my bills?

You are automatically set up for bill payment when you enroll for Online Banking with Bill Pay if you have a personal checking account that you are the owner or joint owner. To begin using bill payment, you need to set-up your payee(s) and initiate a bill payment to the payee(s).

View the animated demo.
How do I add a payee for Online Bill Payment?
To create a payee, click on "Bill Payment" in the menu panel on the left side of the Account Summary screen and select "Payee Management". Click "Add New Payee". Select the option to "View our payee list" or input the company name, account number with the payee and their ZIP code. If you do not have an account number with the payee check "This payee does not have an account number". Click "Continue". If the system recognizes the payee, the process is complete. If the system does not recognize the payee you will need to input the address, city, state, ZIP code and phone number for the payee.
How do I make an Online Bill Payment?
To make a payment, click on "Bill Payment" in the menu panel on the left side of the Account Summary screen and you will be taken to the Make A Payment - Pay One page.

To make a payment to one payee: Select the payee from the drop down menu and click "Continue". Enter the funding account, amount and date and click "Continue Payment". From the verification page click "Make Payment" and take note of the confirmation number. The confirmation number is required to research payments.

To make payments to multiple payees: Click on "Pay Many" to be taken to the Make A Payment - Pay Many page. To select the payees you would like to pay, click in the box next to each payee you are paying and a "check mark" will appear. Enter the "Amount", select the "Funding Account", specify the "Send On" date and click "Continue Payment" to be taken to the Make a Payment - Payment Verification page. Review the payment information and click "Yes" next to "Want to continue with these payments?" to be taken to the Make A Payment - Payment Confirmation page. Record or take note of the confirmation number. The confirmation number is required to research payments.
When should I make a single payment and when should I set up a recurring payment?
If the amount of your payment varies with the payee you should schedule the payments as a single payment. When you receive your monthly bill from the payee you will provide the system with the amount to be paid and the date you want the payment sent.

If you would like to send the same amount on a repeating basis to a payee you can schedule a recurring payment. Recurring payments can be scheduled once a year, once every 6 months, once every 3 months, once every 2 months, once a month, twice a month, once every 2 weeks or weekly. You would supply the amount, the frequency, the start on date and the end date (or select indefinite).
How far in advance should I make a bill payment online to avoid a late payment?
When scheduling bill payments, sufficient time should be allowed to insure the payment is received on time. Payments sent electronically normally take 2 - 3 business days to post, while payments being sent by check may take up to 5 business days to reach the payee under normal circumstances. Review your payee list to determine which payees can receive electronic payments and which payees will receive checks. Adjust your scheduled payments accordingly.
Are there any Online Bill Payment cut-off times I need to be aware of?
Yes. The cut-off time for bill payments is 9:00 PM (EST) on a regular business day (regular business days are Monday - Friday excluding holidays). Payments scheduled after 9 PM (EST) will be processed on the following business day.
How are Online Bill Payments sent?
Online Bill Payments are sent electronically if the merchant can accept electronic payments. Otherwise, a paper check is mailed to the payee.
What should I do if I do not receive credit from my payee for an Online Bill Payment that was sent?
If you do not receive credit from a payee for a bill payment sent through Online Banking with Bill Pay, call Online Banking with Bill Pay Client Support at 1-888-493-5142. An Online Banking with Bill Pay Support Representative can view processing information on the bill payment to determine if the payment has been received by the payee and work with the payee to ensure proper credit is given to your account.
What should I do if I need to stop an Online Bill Payment?
If you need to stop a payment made through Online Banking with Bill Pay, call Online Banking with Bill Pay Client Support at 1-888-493-5142. An Online Banking with Bill Pay Support Representative can place a stop on the bill payment if the payment has been sent by check and has not been cashed by the payee. If the payment was sent electronically to the payee, a stop cannot be placed on that payment.
Is there a fee for stopping an Online Bill Payment?
There is no fee for placing a stop payment on a bill payment sent through Online Banking with Bill Pay. However, some payees may choose to charge a fee for a check that has been returned back to them due to a stop being placed on it.
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