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Bill Pay FAQs


How do I sign up for Bill Pay if I haven’t used it before?

It’s easy. Once you’re enrolled in Online Banking, you can click on the Bill Pay tab and activate the service. You must have a checking account to use Bill Pay.

What is the payment guarantee?

Worried your payment won’t arrive on time? Don’t be. If you schedule your payment according to the terms and conditions of the service and it arrives late, any late charges (up to $50) will be covered by Virginia Credit Union.

Please note that the payment guarantee is not applicable to payments and addresses outside of the United States, state and federal tax payments, or court-ordered payments.

Can I use different checking accounts to pay different bills?

Yes, if multiple accounts are available, select the account from which you would like the payment to be made.

Can I make a payment from my savings account?

Bill payments must be made from a checking account.

What types of bill payments are available?

You can choose a one-time payment on a day you specify, or recurring payments at a specified frequency for as long as you indicate.

How will I know on what date I should schedule the payment?

You schedule your payments by the due date and we take care of getting them there on time. Electronic payments and some checks are deducted from your account on the payment date. For other checks, the funds are withdrawn when the company or person deposits or cashes the check.

Are there any types of payments that cannot be made through Bill Pay?

Payments to companies outside the U.S. cannot be made through Bill Pay. Tax payments, court ordered payments and  payments to collection agencies can be made, but our payment guarantee is not available on these types of payments.

What happens if my payment falls on a non-business day (a holiday, weekend, etc.)?

If an automatic payment is scheduled for delivery on a non-business day such as a weekend or holiday, the date is adjusted to a business day. The Pending Payments section in Payment Center shows the adjusted delivery date. You can change the date as needed.

Can I cancel a scheduled payment after I’ve set it up?

Yes, you can make a change to any payment that has not started processing.

Why have some of my payments rejected? Why do I have an email about some of my merchants/ payees or payments rejecting?

Merchants with closed account numbers or incorrect account numbers and addresses may reject, as well as payments made to payees outside of the United States.

Can I set up a payment and have it sent on the same day?

In general, payments are processed 1-3 business days before the pay date, depending on the payment method. Rush payment options for some payees is available for members who need to make an emergency payment to a participating payee. Same day payments, or Rush Delivery, has a fee of $9.95. Overnight deliveries, or Rush Delivery Overnight, is available for a fee of $14.95.

What is Rush Delivery?

Some members have asked for a way to send an emergency payment. Rush Delivery is available for some payees and is guaranteed to arrive at and be posted by the payee on the Rush Delivery date displayed in Bill Pay. Same day Rush Delivery for electronic payments has a fee of $9.95. Overnight Rush Delivery for paper checks is available for a fee of $14.95.

How can I tell if one of the companies I pay will accept Rush Delivery?

On the Payment Center tab, you will see a "Rush Delivery" link under the date box of any payee that will accept Rush Delivery.

Can I make payments to my VACU credit cards?

Yes, you can continue to pay your credit card through the “Pay-My-Bill” feature, just click on more info to access the information. If you prefer you can also set up your VACU credit card as a payee and pay using Bill Pay.

What should I do if one of my payees notifies me that a payment has not been received?

Confirm that the transaction was deducted from your account and view the payment in Activity. If the payment is not credited after two days, call the company’s customer service line. If the problem isn’t resolved, you can send a payment inquiry on the payment in Activity, or contact Bill Pay Member Service at (844) 699-1087.

What are eBills?

An eBill is an electronic version of a bill or statement. The eBill typically contains the same info as a paper bill or statement. You can receive, view, and pay eBills in Bill Pay. When your eBill arrives, it appears in Payment Center. You control the date and amount of your payment..

How do I start using eBills?

When you add a company that offers eBills, you can enter the required info to request eBills, and a request is sent to the company. When you complete the request for one company, you can sign up for eBills from other companies who offer them. To add an eBill for a company you’re already paying, look for the eBill options on the Payment Center.