Bill Pay

Bill Pay General Bill Pay Questions How does Bill Pay work? Bill Pay allows you to set up payments to businesses and individuals. Once you enter a payment instruction, the request is submitted at 2:00 pm MT, Monday through Friday (excluding holidays). Depending on the payee, your payment will be sent electronically or by paper check the next business day. The funds are deducted from your bill payment account on the scheduled date. Can I access and make payments with Bill Pay from my Mobile Banking App? Yes, you can access Bill Pay, make payments, and add Payees from the Mobile Banking App. Getting Started, Setting Up Accounts How do I enroll for Bill Pay? To enroll for Personal Bill Pay, go to the Move Money menu, select Pay Bills, read and accept the Consumer Bill Payment Terms & Conditions. Then, select the account(s) you wish to enroll with. After enrolling, how quickly will I be able to access Bill Pay? Consumer accounts will have immediate access to Bill Pay after enrolling. Business accounts will have access within 24 hours. From what types of accounts can I pay bills? Checking, Savings, and Money Market accounts are the only type of accounts eligible to pay bills using Bill Pay. How do I add a pay from account? Click on Move Money > Pay Bills. A pay from account can be added by accessing My account and clicking the Add account link located in the pay from account section. How do I edit pay from account information? Click on Move Money > Pay Bills. A pay from account can be edited by accessing My account, clicking the View account link and clicking the pencil icon next to the pay from account. Setting Up Payees, Paying Bills What is a payee? A payee is the issuer of a bill that is due to be paid by you. How do I add a payee? To add a Payee, click on Move Money > Pay Bills, and then click +payee at the top of the payments page. An Add Payee screen will appear. Fill out required fields and click Save to set up a payee. Do I need to contact my payees to tell them I am using Online Bill Pay? No, your payees do not need to do anything different to process online bill payments and your payment information is clearly indicated on the payment. How do I schedule a Bill Payment? Log in to Online Banking, click on Move Money > Pay Bills, and select a payee from your list. Enter the amount you wish to pay and select a Send on Date. Click Review Payments. Review your payment (Send on date, Estimated delivery date, Payee, Pay from account, and Amount). If everything looks good, click Submit Payments to schedule the Bill Payment. How long does it take before my payment is received? Electronic Payments may take 2-5 business days. Check payments can take up to 2 weeks. Are there payments I cannot make using Bill Pay? Court-ordered payments, tax payments, IRS payments, and International payments cannot be made using Bill Pay. Can a payee see my payment comment? No. Comments are for your personal use only and will not be sent with your payment. If I want to schedule a payment for the future, what date should I put in the “Send on date” field? For a future-dated payment, this should be the date you want your payment transmitted, which is the date the payment is extracted for processing. Can I make changes to an already scheduled payment? If the payment is still pending, you can make changes. However, once the payment has been transmitted, you can no longer make changes or delete the payment. Can I make payments on a holiday or weekend? No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments. How do I set up recurring payments? To set up a recurring payment, click the make it recurring link located in the Action column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled. Can I see payments that will process more than 45 days from now? Yes. You can view all your scheduled payments by clicking the View more link located in the Pending section of your payment page or the View pending transactions link available below the schedule payment section of your payment page. Is there a cutoff date for editing or stopping a payment? Yes. You may edit or stop a payment prior to 2:00 pm MT on the date the payment is scheduled to process. What is my transaction history? Your transaction history helps you keep track of your payments with customized reports and providing a detailed timeline of each transaction that you have scheduled within bill pay. How long are records stored in my transaction history? Your transaction history will allow you to report transactions up to 18 months from the current date. Why is there a limit on the number of payees I can pay at one time? A payee limit is set to ensure your payments are processed as efficiently as possible. eBills What is an eBill? eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments. How do I set up an eBill? Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee. How does autopay work? Autopay will schedule a payment for you when your new eBill arrives based on your preferences. Rush Payments What is a rush payment? A rush payment can be used to send a payment to be delivered the next day or two days from the scheduled date. Fees will apply. How do I rush a payment? If you have a bill that’s too close for comfort to the due date, you can use the Rush delivery link to select a guaranteed delivery option. Can I track a rush payment? Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.