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Home Banking User Guide

Payment — Bill Payer

Bill Payer offers an alternative to the traditional method of paying bills. Instead of writing a check and mailing the payment to the company, you can handle all your payments online.

You can schedule payments to be made on certain dates. Bill Payer gives you a confirmation number for every payment and keeps track of your payment history. These features make Bill Payer an excellent record keeper.

It's Simple to Get Started
To pay bills, the company you want to pay and your account numbers must be in your personal merchant list.

  • Set up your personal list of merchants.
  • Set up a payment.
  • Change or cancel your payment information as necessary

Payment Methods

  • Electronic payments are made to merchants on the electronic network. When this method is used, you receive a recommendation on the payment screen to set up your payment at least 2 business days before the due date.
  • Check payments are made to merchants who do not receive electronic payments. When this method is used, you receive a recommendation on the payment screen to set up your payment at least 5 business days before the due date.

Note: The recommendation to set up a payment at least 5 days in advance is designed to ensure that Bill Payer delivers your payment to the merchant before the due date. It is then the merchant’s responsibility to post the payment in a timely manner.

For merchants not on the electronic network, the recommendation is to pay more than 5 business days in advance so the merchant has ample time to post your payment.

Payment Types

  • A one-time payment is paid at a time you specify.
  • An automatic payment occurs as often and as many times as you specify for up to 10 years.

Payments that are made on future dates which you specify are called scheduled payments. These include one-time payments and automatic payments. The first payment date may be no more than 18 months in the future. Payments are processed on the scheduled date. Payments scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time payments and on the previous business day for automatic payments.

Note: Payments are processed on business days beginning at 2:00 p.m. EST. After processing has begun a payment cannot be changed or cancelled.

Payment Menu

Set up/Change Payments lets you schedule your payments, payment amounts and payment frequency for any merchant on your merchant list.

Quick Pay lets you create and schedule payments from one screen. Merchants designated as favorites are displayed on the Quick Pay screen. You can schedule one-time and recurring payments from the Quick Pay screen.

Scheduled Payments lets you review your scheduled payments (one-time and automatic) and delete a selected payment before the payment occurs. You can also change information, depending on the type of scheduled payment:

  • One-time payment – You can change the amount and date of the payment and the account from which the payment is to be made.
  • Automatic payment – You can change the amount, next payment date, number of payments, frequency of payments, and the financial account from which the payments are to be made. The changes affect all future payments.

Payment Calendar shows you, in a one month calendar format, what bills have been paid on any day as well as a sum total of bill payments that were made on that day (if more that one payment was made).

Payment History lets you find payments by specifying the payment details. You have several ways to select which payment(s) you want to review. If you don’t specify any criteria, you receive all available payment history. If you specify:

  • Merchant name – You receive all payments for that merchant.
  • Payment dates – You receive payments from the start date to the end date.
  • You receive all payments within plus or minus $10 of the specified amount.

If you want to direct the search to a more restricted list of past payments, specify a combination of payment details.

Merchant Accounts lets you create your list of merchants and change the details on each merchant.