Frequently Asked Bill Pay Questions
- Getting Started
- How does it work?
- Scheduling Payments
- Payment Status
- What if there is an error?
Getting StartedQ: How do I register for electronic bill payment?
A: Bill Payment registration is easy!
The first time you attempt to access the bill payment section of ClassicBanking Online, you will see an offer to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.
Once the disclosure is agreed to, you complete the online registration form. The registration form is then forwarded us for review. We are responsible for checking the information on the form and for assigning you a payment plan. After the application is approved, you will receive an email confirming your acceptance Access to bill payment does not require a separate logon.Q: When can I start using electronic bill payment?
A: You can begin using bill pay within 24 hours of receiving the confirmation email.
How does it work?Q: Are payments made electronically or by check?
A: Payments are made either by paper check or electronically by ACH credit. The method employed on any single payment depends on whether the Bill Payment processor has established an electronic payment relationship with the Biller and whether they are found on the electronic Biller database.
Q: How are check payments processed?
A: Some checks are drawn on one of the Bill Payment processor's clearing points. Other checks are drawn on your account. The bill payment processor determines the best method for each individual payment.
Q: Does the Bill Payment processor have payment amount limits?
A: The Bill Payment processor has a payment cap of $99,999.99, regardless of how the payment is disbursed. The Bill Payment user interface limits the entry of payment amounts greater than this amount.
Q: How is my account debited?
A: Your account is debited via ACH or a draft on your account.
Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.
Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes. We do not recommend Money Market accounts for bill pay because of the transaction restrictions. Only three third-party transactions are allowed free of charge during each statement cycle. Internet payments are third-party transactions. The fee is $10 for each transaction over three.
Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.
Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.
Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay you bills while out of the country. Biller must be located within the 50 United States and Territories.
Q: Can I use Microsoft Money or Quicken to pay bills?
A: No. Bill payment does not support Microsoft Money or Quicken.
Q: When are funds debited from my checking account?
A: On the process date, the Bill Payment processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited within two banking business days. Occasionally a paper draft may be used to debit your account. In those cases, the paper debit may or may not be processed on the process date.
Q: What do Billers actually receive?
A: Electronic Billers receive payment information in an electronic format that credits their account. Non-electronic merchants or individual Billers receive a laser-printed paper check sent through the U.S. Postal Service.
BillersQ: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.
Q: How do I transfer funds?
A: Currently there is no method to transfer funds between your own accounts using bill payment, however that capability is available with ClassicBanking Online. Additionally, if you need to transfer funds to another person you can set up that person as a Biller and send them a check. If you need same day processing our wire transfer department can handle the transaction for you.
Q: Can I receive an annual summary of my bill payments sorted by category or Biller?
A: Not at this time.
Scheduling PaymentsQ: Does Classic Bill Pay use a "process date" or "due date" processing model?
A: We use the 'process date' model. Under the process date model, payments are initiated on the process date you designate. Special rules govern when payments are processed for particular days, so please refer to the Schedule Payments/Bill Pay Help section. The process date model is advantageous because it reduces confusion about the timing of the payment debit and when Billers are in receipt of payment.
Q: What is the lead-time for processing payments?
A: The Biller will be in receipt of payment within three (3) banking business days for an electronic Biller and five (5) banking business days if the Biller is paid by check.
Q: When may bill payments be scheduled for processing?
A: The Bill Payment processor processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.
Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.
Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.
Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'
Q: What frequency of recurring payments is allowed?
A: The frequency of recurring payments can be weekly, every 2 weeks, every 4 weeks, twice a month, monthly, every 2 months, every 3 months, every 6 months and annually.
Payment StatusQ: How do I check the status of a payment?
A: Bill Payment tells you the status of your payment on the View Pending and History Payments page in the Status column. Please refer to the Status definitions for more information.
What if there is an error?Q: What happens if sufficient funds are not available in the account used for bill payment?
A: If a 'non-sufficient funds' condition exists, the debit may be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.
Q: If I select an erroneous electronic Biller and this causes a posting delay and late charge, what is the process and who bears the burden of the late charge?
A: If you select an electronic Biller address that matches your payment coupon exactly and the Bill Payment processor routes the payment to a different payment center, the Bill Payment processor is responsible for the late charge and will reimburse any Biller-imposed late fees, up to $50.00. If you select an electronic Biller with an address that is different from that indicated on the payment coupon, you are responsible for the late charge. You always have the option to manually set up a Biller with the (correct) address found on the payment coupon.
Q: Who handles customer support for Bill Payment?
A: Checkfree is the Bill Payment processor, but you may contact the bank with your bill payment questions.
Q: What are the bank's support hours?
A: Customer support hours include telephone coverage for the following periods:
- Monday-Friday: 8:00am-5:00pm MST
- Saturday: 8:00am-2:00pm MST
- Sunday: Closed
A: To change your address at International Bank or Farmers and Stockmens Bank, you must contact the bank directly. Changes made at the bank will be reflected on your Bill Payment information.
Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.