Frequently Asked Questions

Our streamlined, make-payment process is quick and easy. Page 1 lists all of your payees. You just enter the amount you want to pay to each payee and your payment due date and click Make payments. We also list for each payee the amount and date of your last payment. Page 2 is a confirmation list of the payees you've paid, including a summary of your payment details.

Can I pay bills with my credit card?

Currently, we don't issue payments from a credit card.

Who authorizes payments?

Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you. Please note that your payment for our service will be conveniently debited from your primary funding account each month.

Can you pay my bills automatically?

Yes. There are two ways that you can schedule payments automatically:

1. Automatic payment in response to an e-bill.

An automatic payment in response to an e-bill is a payment that you set up to go out every time you receive this e-bill without requiring your approval each time. You can pay the full bill, pay the minimum due, pay nothing and file the bill, or create your own rule for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:

Pay the entire bill if it is $200 or less. Pay nothing and send an e-mail notification if it is more than $200.

Pay the minimum amount due every month.

Pay nothing and send an e-mail notification.

You can also select when to pay the bill—either when the bill arrives or a designated number of days before the bill is due (10 is the default).

You will receive an e-mail notification when an automatic bill has been paid.

2. Automatic payment at regular intervals.

This type of automatic payment gets paid by establishing the interval when the payment should be made, along with other supporting payment details. You specify the amount, the frequency, the start date and the end date or the number of payments to make (for due date models it is number of payments instead of end date). Based on the duration of the loan you could also establish the end date of the automatic payment rule. For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.

How will I know when a payment has been sent?

To verify that a payment has been sent, from your navigation links, click View a Report. The View Reports page appears. From the Report title listbox, select the appropriate report and click Generate report. You can also create a new report or edit an existing report.

Do I have to pay the entire bill amount?

No. You decide the amount you want to pay towards each bill.

How are payments issued?

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

Where do you send my payment?

We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent.

When are checks issued to my payees?

Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send on date at least 5 business days in advance of your bill due date. We issue paper checks daily Monday through Friday.

When are electronic funds transfers sent to my payees?

For payees who can accept Electronic Funds Transfers (EFT), we recommend that you set the send on date at least 3 business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 3:00 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3:00 PM CT. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

How do I cancel a payment?

To cancel a payment, click on the Cancel link in your Payment Outbox. You can choose to cancel a payment up until the time the payment is processed.

When will an authorized payment be debited from my account?

While the exact time of the debit may vary due to when the payment is scheduled, please make sure that you have adequate funds in your account to cover those payments.

This will ensure that your payment is processed properly and not subject to insufficient fund fees.

Are there any payments I can't issue?

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged, but may be scheduled at your own risk:

tax payments to the Internal Revenue Service or any state or other government agency

court-ordered payments, such as alimony or child support

payments to insurance companies

We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you've scheduled.

What happens if I do not have enough money in my account to cover a bill?

We issue standard, approved payments against your account. If you do not maintain sufficient funds in the account the payment may be rejected or your account could be overdrawn.

Can I pay all of the bills in my Bill Inbox at one time?

Yes. You can pay multiple bills simultaneously from your Bill Inbox using the Select all link. When you click Select all, the boxes next to each bill will be checked. Just enter the amount you want to pay and when you click Continue payment your payments will appear in the Payment Outbox, just as if you'd entered them one at a time.

What happens if a bill is paid late?

We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send on date that is at least 5 business days before a bill due date. This will allow a paper check issued on your behalf to arrive at your payee on time. For payees that accept Electronic Funds Transfers, you should schedule the payment 3 business days in advance of the due date. However, you should be sure that your funding account is funded on the day you issue payment, as some EFT payments are posted to your payee's account on the same day.

Can I pay multiple bills?

Yes, the Select all Bills link at the bottom of your Bill Inbox is a convenient shortcut that allows you to pay multiple bills simultaneously. When you click this link, all of the bills in your Bill Inbox will be selected. When you click Continue payment the Make Payments page appears. Specify your payment details and then click Submit payment.

What is a filed bill?

A bill that you do not want to pay using this website, but want to save for your records. For example, a bill with a zero balance or a bill that no longer needs to be paid. Once you file a bill, it is permanently removed from your Bill Inbox and cannot be paid.

Can I automatically file a bill without paying it?

Yes, just click the "Don't pay this bill - I want this bill to be filed upon receipt" option on the Change Payment Options page and click "Save Payment Options."