How does Bank Independent Bill Pay work?
Who can use the Bill Pay service?
Who can I pay with Bill Pay?
How do I enroll in Bill Pay?
How do I start paying bills?
How are payments made?
When are payments processed?
What are eBills?
Is Bill Pay available for businesses?
Are there any fees for Bill Pay?
What are gift and donation checks?
Will my check or electronic payment type ever change?
Is there a limit on the amount of money I can schedule for a payment?
Are payments processed on weekends and holidays?
When I add a new payee, do I have to wait before I can make the first payment?
On the Payment History page, how much history will be available?
What does the “status” field indicate on the payment history page?
What payment frequencies are available in Bill Pay?
Will the memo field from a scheduled payment be printed on the check sent to the payee?
Can I stop a bill payment?
Can I postdate a single payment within Bill Pay?
May I postdate a recurring payment within Bill Pay?
Can I edit my payees’ addresses?
How late in the day can I enter, edit or delete a payment?
How many payees may I set up within Bill Pay?
How do I know if a payee is being paid via check or electronically?
What happens if I do not use my Bill Pay service for an extended period of time?
Can I edit an existing payee that is already set up?
How far in advance can a payment be scheduled?
When can I edit the dollar amount on a scheduled recurring payment?
What happens if I don’t have enough funds in my account to cover my scheduled Bill Pay payment?
Can I pay bills and individuals from my phone using Mobile Banking?
What bills can I pay using Mobile Bill Pay?
How do I pay a bill with Mobile Bill Pay?
When will the funds for my mobile bill payment be deducted from my account?
When can my payee expect to receive my mobile bill payment?
Can I schedule recurring payments using Mobile Bill Pay?
I need to cancel or change a payment I just scheduled through Mobile Bill Pay?
Will you be enhancing Mobile Bill Pay to offer a payment date option?
How does Bank Independent Bill Pay work?Bank Independent Bill Pay service allows you to set up payments to just about anyone. You tell us the person or company you want to make a payment to, and we will withdraw the money from your account and send the payment to the payee. You may schedule one-time, occasional or recurring payments to be paid right away or on a date in the future.
Who can use the Bill Pay service?Anyone who has access to a transaction account (checking or savings) in Online Banking is eligible to use the Bill Pay service.
Who can I pay with Bill Pay?You can pay virtually anyone you want using Bank Independent Bill Pay, as long as they have a valid US mailing address. You cannot pay a government agency or court-ordered obligation, and payments to an address outside the US are not allowed.
How do I enroll in Bill Pay?To sign up for Bill Pay, simply log in to your Bank Independent Online Banking account then click the Bill Pay tab to get started. Simply follow the online prompts to complete your enrollment for Bill Pay and you can begin using it immediately.
How do I start paying bills?There are three simple steps to pay your first bill in Bill Pay:
How are payments made?When scheduling your payment, you tell us the payment amount and the due date of the payment for the payee. Your payment is sent to the payee either by check or electronically to insure the payee receives the payment on the due date you’ve designated.
When are payments processed?There are currently different schedules and processes for Consumer Online Banking accounts and Business Online Banking.
Consumer Online Banking: Within Bill Pay, simply enter the date your payment is due (or the date you would like for your payee to receive the payment), and our Bill Pay system will do the rest! The handy calendar option to the right of the payment date blank will highlight the first available date for your payee to receive your payment. Whether your payment is sent electronically or by check, it will be delivered to your payee on the date you have selected, and your funds will be deducted from your account on that date.
Payments will be processed each business day starting at 3:00pm Central time. You may only edit or stop a scheduled payment if it still appears in your Scheduled Payments list. Payments scheduled after 3:00pm Central time will be processed on the next business day. When scheduling payments, you will receive an estimated delivery date.
Business Online Banking: With Business Online Banking, it will be important to schedule your payments well ahead of the due date to allow for mailing or electronic delivery. Funds will be deducted from your account on the date that the payment is sent, and not on the payment due date or anticipated delivery date. To ensure that your business’ payments are received by your payee in a timely manner, we recommend you use the following guidelines:
What are eBills?An eBill is an electronic bill presentment process. After you have established this service within Bill Pay, your electronic bills will pull automatically into Bill Pay each month. Then it’s just a matter of clicking on the bill to make your payment. No separate login is required. Please note that you must have login credentials established with your payee in order to utilize this convenient feature. Some electronic payees may not be available for this service.
Is Bill Pay available for businesses?Yes, businesses may enroll in a special edition of Bill Pay customized for commercial needs which will offer you more control, greater efficiency, improved cash flow, long-term savings and more time to focus on your business. To enroll, please contact a Bank Independent Business Banking representative at (256) 386-5000 or (877) 865-5050.
Are there any fees for Bill Pay?There are no fees for regular payments from personal accounts within consumer Bill Pay. Certain fees will apply to services within Bill Pay for business. However, some additional options will result in minimal additional fees, such as rush payments and personalized gift and donation checks. Fees for these services will be displayed within Bill Pay.
What are gift and donation checks? This is a unique feature within Bank Independent Bill Pay that allows you to customize a Bill Pay check that you may send to anyone for many different occasions, such as birthdays and anniversaries. You may insert your own customized greeting on the check voucher and decorate the check with the appropriate image. The donation check allows you to send an email to any charity notifying them of the donation; you may also choose to send the donation in honor or in memory of an individual.
Will my check or electronic payment type ever change?Yes, it is possible. Our Bill Pay service performs a periodic review of payment types. If we find that your payment type can be changed from the check to electronic type, our system will automatically make that change. If a payee no longer accepts electronic payments, your payee would then be changed to a check payment type. This is done to send payments to your payees in the fastest, most efficient and secure way possible. If you wish to be notified of a payment type change, please click on the Bill Pay “Options” menu, and select “eNotifications” to choose the alerts you’d like to receive.
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Is there a limit on the amount of money I can schedule for a payment?Bank Independent Bill Pay has a predetermined limit of $2500 per payment; however, this does not mean that your payment cannot be processed. Any payment over $2500 will simply be sent to your payee via check rather than electronically. Upon entering a payment amount over $2500, you will receive a notification that your payment will exceed the predetermined limit, and you will be prompted to enter a remittance address and refresh the date to complete your payment scheduling. To request a predetermined limit over $2500, please call Customer Service at (256) 386-5000 or (877) 865-5050.
Are payments processed on weekends and holidays?Bill payments do not process on non-business days. For recurring payments, you have the option to select the payment date to be the business day before or the business day after the weekend or holiday when you set up your payment.
When I add a new payee, do I have to wait before I can make the first payment?No. When you add a payee to the Online Banking payee database, the payee is immediately available to schedule a payment.
On the Payment History page, how much history will be available?Bill Pay history is maintained for 18 months.
What does the “status” field indicate on the payment history page?The status field may have one of the following entries:
What payment frequencies are available in Bill Pay?You may set up payments in any of the following frequencies: One-time, weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annually or annually.
Will the memo field from a scheduled payment be printed on the check sent to the payee?Yes, any text entered in the memo field will print on the check. The account number that you entered when adding the payee to your personal payee list is also printed on the check. This lets the payee know to which account the payment should be applied.
Can I stop a bill payment?If your payment has not yet been processed (as noted on your Bill Pay screen), you can cancel the payment from within Bill Pay. If the payment was remitted electronically and has already been processed, you may not stop the payment. You can stop payment on “check” bill payments if they have not yet cleared your account. Stop payments can be initiated through Bank Independent Online Banking by selecting “Stop Payment” option. Stop payments can also be placed by calling Customer Service at (256) 386-5000 or (877) 865-5050 Monday through Saturday from 8:00am to 8:00pm to speak with a Bank Independent representative. Please note that fees may apply to stop payment requests.
Can I postdate a single payment within Bill Pay?Yes. Just set the payment date for any date in the future. Single payments are actually set up into two categories, current payments and future payments, which allow you to schedule payments in the future or for the current date. Current date payment will be sent to your payee the same day if entered prior to 3:00pm Central time.
May I postdate a recurring payment within Bill Pay?Yes. For example, if a monthly recurring payment is set up to be paid on the 15th and the current date is November 12, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the expiration date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16, the first payment will occur on December 15.
Can I edit my payees’ addresses?You may edit a payee address for check payments, but for electronic payments you must establish them as a new payee with the correct address and delete the old payee record.
How late in the day can I enter, edit or delete a payment?These actions must take place prior to 3:00pm Central Time in order for processing to begin on the same day. Entries, edits and deletions made after 3:00pm will be processed on the following business day.
How many payees may I set up within Bill Pay?There is no limit to the number of payees you can set up.
How do I know if a payee is being paid via check or electronically?Once you have set up your new payee, visit the dashboard payee listing within Bill Pay. The delivery method of your payment will be listed with the payee information.
What happens if I do not use my Bill Pay service for an extended period of time?If you have no scheduled or recurring bill payments for six months, your Bill Pay functionality within Online Banking may be disabled.
Can I edit an existing payee that is already set up?The only items you can edit on an existing electronic payee are the nickname you’ve assigned to the payee and your account number with the payee. If you’d like to change any other information about the payee, such as the mailing address, the payee must be deleted and re-entered. On check payees, however, all fields may be edited.
How far in advance can a payment be scheduled?Currently, a recurring scheduled payment can be set up in advance to any date in the future. A one-time payment can be set up for to be sent five years into the future.
When can I edit the dollar amount on a scheduled recurring payment? You may edit the dollar amount as early as the next business day after the scheduled payment date.
What happens if I don’t have enough funds in my account to cover my scheduled Bill Pay payment? Your payment will be submitted to the payee and handled in the same manner as a check written out of your checkbook against an insufficient balance.
Can I pay bills and individuals from my phone using Mobile Banking?
Yes. If you are enrolled in the Bill Pay service within Bank Independent Online Banking, you will see the “Pay Bills” option as an icon in the menu along the bottom of your mobile phone screen. Please note that the mobile version of Bill Pay differs slightly from the Online Banking version of Bill Pay. Most importantly, bills cannot be scheduled for FUTURE payment using Mobile Bill Pay; when you click the “Submit” key after selecting your pay-from account, your payee, and the amount of the payment, the funds will be immediately deducted from your selected account and your payment will be submitted either electronically or by postal mail.
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What bills can I pay using Mobile Bill Pay?If you have set up a payee—including both companies and individuals--in Bill Pay within Online Banking, that payee will be listed in your drop-down menu for selection in Mobile Bill Pay. Your payee list and billing information (account numbers, payee addresses, etc.) can be edited within Bill Pay in Online Banking.
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How do I pay a bill with Mobile Bill Pay?It’s easy! Simply select the “Pay Bills” icon from your menu bar within Mobile Banking. Click “Choose Account” and select the account from which you’d like to pay your bill. Next, click “Choose Payee” to select the payee you’d like to pay from the drop-down list. Finally, click the box under “Payment Amount” and type in the amount of the payment you’d like to make. After reviewing the information on your screen, click the Submit button. You will receive a confirmation message stating “Payment Saved” and providing a confirmation number. Click the “OK” button to return to the Pay Bills screen and schedule another payment. Your payment will be scheduled for delivery on the next available payment date to your payee. Please note that Mobile Bill Pay does not at this time offer the option of scheduling payments in advance. To schedule a payment for a future pay date, please use Bill Pay within Online Banking.
When will the funds for my mobile bill payment be deducted from my account?Payments scheduled using the mobile version of bill pay are scheduled for immediate payment and the funds for electronic payments will be deducted from your account overnight or upon clearing of the check if a paper check is mailed.
When can my payee expect to receive my mobile bill payment?The payment will be delivered in the same method as it is delivered through Bill Pay within Online Banking, which is either electronically or by mail. Our Bill Pay provider works diligently with payees to arrange electronic delivery of payments, so delivery methods for payees are often updated. Please note that the payment method used to send this payment will affect the date the payee receives your payment. We strongly encourage you to use the full version of Bill Pay within Online Banking to schedule payments for delivery on a future date.
Can I schedule recurring payments using Mobile Bill Pay?No, recurring payments must be scheduled through the full version of Bill Pay within Online Banking.
I need to cancel or change a payment I just scheduled through Mobile Bill Pay. What do I do?To cancel or change a payment, log in to Bill Pay within Online Banking and go to Scheduled Payments. You may also call Customer Service at (256) 386-5000 or (877) 865-5050 for assistance. A payment can be cancelled before 3:00 p.m. Central Time on the same business day it is scheduled. If your payment was scheduled after 3:00 p.m. Central Time, or on a non-business day, you may cancel it before 3:00 p.m. Central Time on the next business day.
Will you be enhancing Mobile Bill Pay to offer a payment date option?Yes, we are actively working with our bill pay provider to provide this enhancement. We will supply more details as they become available.