How does Access Online Bill Pay work?
Access Online Bill Pay is a service that allows you to set up bill payments to businesses and individuals. Once you enter a payment instruction in the system, the request is submitted to Bill Payment Services (8:00 p.m. CST, Monday through Friday). The following business day, your payment is sent electronically or via check, and the funds are deducted from your checking account.

Can I use Access Online Bill Pay from outside the United States?
Yes, as long as your bank account is in the United States, Guam, Puerto Rico, or the U.S. Virgin Islands.

Which account types can I use to pay bills?
A checking account is the only type of account you can use to pay bills.

How do I add a funding account?
If you would like to use more than one checking account to make bill payments, you set up additional bill payment accounts on the Account Preferences screen by clicking the box under Billpay account. This set up will require overnight processing to be completed.

How do I change a funding account?
If the funding account has pending payments, you should select a new funding account for the bill payments before changing the current funding account. You MUST have at least one account set up as the bill payment account in Account Preferences at any given time.

How long is bill payment history kept?
Bill Payment History is generally kept for 13 months.

Can I set up a payee in another country?
Online bill payments may only be made to a United States payee (which includes Guam, Puerto Rico, U.S. Virgin Islands, and international U.S. military bases) in United States dollars.

Do I need to contact my payees to tell them I am using a bill payment service?
No. Your payees do not need to do anything different to process online bill payments. Access Online Bill Pay uses the ACH electronic network or a paper check with your payment information clearly indicated.

How do I add a payee (merchant/vendor)?
Use the Payee Search function within the product to find your payee. If your payee is not available, select "Manually Enter Payees" and enter the required information to set them up.

How long does it take to setup a new payee in Access Online Bill Pay?
Once the new payee is entered on the Access Online Bill Pay System, you can use the payee immediately.

How do I know if a payee is set up to be paid electronically or by check?
When you conduct a Payee Search, electronic payees are indicated by a message under Payee Name that the payee "Provides Epayments". Also, when a bill payment is made electronically, a little 'e' is displayed on the "Make Payment" screen. If only the payee's name appears under Payee Name, that payee currently accepts only paper check payments, and a picture of a check is displayed.

Can I make multiple payments to the same payee on the same day?
Yes, you can make multiple payments to the same payee on the same day as long as the payment amounts are different. For your protection, the system will not pay duplicate items for the same payee on the same day.

How do I delete a payee?
Delete all scheduled payments, by accessing the Pending Payments screen and clicking on the scissors icon, before you delete the payee. Then, select the payee you want to delete and click on the scissors icon.

When should I set up my payments to make sure they are paid on time?
Minimum payment "lead times' will be provided based on whether the payee accepts electronic payment (designated by an 'e' symbol) or paper check payment (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of 3 days before the payment due date. For paper check payments, payments should be scheduled a minimum of 5 days before payment due date.

When will money be taken out of my account for a bill payment?
Normally, funds are deducted from your account 1-2 days after the scheduled payment date.

Are there minimum and maximum payment amounts?
The minimum payment amount is $1.00. The maximum amount per single payment is $9,999.99.

Are there any payments that I cannot make using Access Online Bill Pay?
Payments cannot be made in foreign currency or to international payees. For payments to U.S. government agencies, Access Online Bill Pay has limited ability to research any issues that may arise due to the government's strict adherence to the Consumer Privacy Act. We will not be responsible for any late fees or penalties that may be incurred by these types of payments.

How far in advance can I schedule payments?
You can schedule a payment up to 364 days in advance.

How late in the day can I enter, edit, or delete a payment?
The cutoff time is 8:00 p.m. CST. Payments entered after this cutoff will be processed on the next business day.

What happens if I have a scheduled payment that falls on a Saturday, Sunday, or holiday?
The payment will be processed on the previous business day.

How do I set up recurring payments?
Once your payee is set up, you can select how often a bill is paid (for example, the 15th of every month) and the amount. This feature is used for recurring payments of identical amounts, such as a car or mortgage payment.

Can I make changes to an already scheduled payment?
If the payment is still pending, changes can be made. However, once the payment has been transmitted, you can no longer make changes to or delete payments.

Can I place a stop payment on a bill payment that I have already set up?
You yourself cannot place a stop payment on a bill payment. If the payment has been processed and is a paper check that has not yet cleared, you may call us and we can place a stop payment on it for you.

What date do I put in the TRANSMIT DATE field?
For a future dated payment, this should be the date that you want your payment processed.

What if my payee says that they have not received my payment?
You may contact us and we will research your payment, contact the payee, and/or provide you with proof of payment.

Can I get a copy of my canceled check?
Yes, you may contact us to receive a copy of a bill payment check. A fee will apply.