FAQs on Bill Payment Basics

Yes, you can pay anyone including your cable company, doctor, or Uncle Charlie.

Our streamlined, make-payment process is quick and easy. The Make Payments page lists all of your payees. You just enter the amount you want to pay and click Pay. We also list for each payee the amount and date of your last payment.

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

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.

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.

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 note.

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.

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

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.

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.

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

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 note is funded on the day you issue payment, as some EFT payments are posted to your payee's note on the same day.

To cancel a payment, click the cancel link under Pending Payments. You can choose to cancel a payment up until the time the payment is processed.