Bill Pay

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Enrollment & Fees

• + How can members enroll in Bill Pay?

  Members may enroll by self-selecting enrollment within Online Banking or Mobile Banking.

• + What is the monthly fee for Bill Pay?

  Bill Pay is free for Members with a UFCU checking account.

• + Which accounts are eligible for Bill Pay enrollment?

  UFCU checking accounts are eligible.

• + Does a joint owner have the same access to bill pay as the primary owner on the account?

  Yes.

• + Will I have a separate password for Bill Pay?

  No. Bill Pay is accessed from within Online Banking or Mobile Banking.

• + Do I need any special hardware or software to use Bill Pay?

  Online Banking or Mobile Banking is required to access Bill Pay.
  Bill Pay has the same browser requirements as Online Banking. UFCU recommends the following browsers:

  • Internet Explorer 9.0 or later
  • Firefox 52.0 or later
  • Chrome 57.0 or later
  • Safari 9.0 or later

  Mobile Banking is available to download on these mobile devices:

  • iPhone^®
  • iPad^® products
  • Android^™ smartphones
  • Android tablets

Payees

• + What is a payee?

  A payee is any company or individual to whom you make payments. Select a payee from a master payee list. If the payee does not appear on the master payee list, you may add the payee to your personal payee list.

• + Who can be paid using Bill Pay?

  Any payee with a US address may be paid with Bill Pay. Payees may not be tax entities, collection agencies, or court-ordered payments.

• + How do I set up payees?

  Select Bill Pay » Manage Payees. Then select Add Payee and follow the instructions.

• + If an incorrect address is entered for a payee, what happens?

  The payment may be sent to the incorrect address, or rejected by the system if caught. If it is sent, this could result in delays in the payment being posted or the payment may not arrive at the merchant at all.

• + If I make an error while setting up a payee and it results in a late fee, who is responsible for the charges?

  If you set up a payee with an address that is different from that shown on your payment coupon/statement, you are responsible for the late fee.

• + How do I know if my bill payment will be electronic or check?

  When a payee is added, the system checks for the ability to send payments electronically. Select the Manage Payees tab to view the payment method (electronic or check) for each payee.

• + Do I need to notify my payees that I will now be using Bill Pay?

  No, you do not need to notify payees as they receive your account number and information to credit your account appropriately.

• + I have two payments due to one payee. Can I add both payments to bill pay?

  Yes. Simply set up two different payments using the same payee information.

• + How do I delete a payee from my list?

  Click Manage Payees, select the payee from your payee list, then select delete. You cannot delete a payee for which there are any pending payments.

• + What do I do if my payee has an address change?

  Click Manage Payees and select the payee. Then edit the payee information. 

• + What do I do to change my name as it appears on the Bill Pay payee account, the billing account number, or the payee nickname?

  Click Manage Payees and select the payee. Then edit the payee information. 

• + What do I need to do if I have a dispute with a payee?

  If you have an issue with a charge on a bill, you will need to contact your payee.

• + What if a payee notifies me that they did not receive my payment?

  Complete the following steps to submit a Bill Pay inquiry:

  1. Select Bill Pay » Payment History and locate the payment in question.
  2. Click the payee name to view the Bill Payment Inquiry page.
  3. Select Payment not received by payee in the Reason of Inquiry dropdown menu.
  4. Enter any additional comments.
  5. Click Submit.

  You will receive a reply within two business days.

  Note: Completing this form does not place a stop payment. To place a stop payment, select "Request to stop and refund payment."

Payments

• + If I schedule more than one payment on a single day of the month, how will my account be debited?

  Each payment is debited separately.

• + How do I place a stop payment on a bill payment?

  Only bill payments issued by check are eligible for a stop-payment request. Complete the following steps to request a stop payment and refund:

  1. Select Bill Pay » Payment History and locate the payment in question.
  2. Click the payee name to view the Bill Payment Inquiry page.
  3. Select Request to stop and refund payment in the Reason of Inquiry dropdown menu.
  4. Enter any additional comments.
  5. Click Submit.

  Your stop-payment request will be submitted for additional processing. After submission, stop-payment requests are processed within one business day, and refunds are issued in two to three business days. A $30 stop-payment fee applies to all stop-payment requests.

• + Can an electronic payment be stopped?

  An electronic payment cannot be stopped after the payment date. You can edit and/or delete a pending electronic payment before the payment date, as long as the payment displays as pending.
  
  If you send a payment by mistake, you must contact the merchant directly to request a refund. If there's a problem with your payment as a result of an error with UFCU Bill Pay, the payment will be reissued to the correct merchant (or refunded to you), and our business partner will work directly with the merchant regarding the erroneous payment and the refund.

• + When is the money for a bill payment taken out of my account?

  The money is deducted from your account at approximately 8 AM on the scheduled payment date.

• + What is the earliest withdrawal date I can schedule when I set up a payment?

  If you set up a payment today, the earliest pay date will be the next business day.

• + How are the bills paid?

  On the payment date you set, the money is deducted from your UFCU account. The funds are then processed and sent to the payee either electronically or by check.

• + What is the cut-off time for additions, changes, or deletions to payees and/or payments in Bill Pay?

  Bill Payments are processed at approximately 8 AM, Monday–Friday. Changes or deletions can be made prior to funds being withdrawn from your account, but additions will not be processed until the next business day. Payments are not processed on credit union holidays.

• + Do I need to allow any extra days for processing the first payment to a payee?

  No.

• + What do I do with my payment coupon/statement that I used to mail back with my payment?

  When you first set up your payee use your coupon or statement to enter payee and payment information. The payee does not need the actual coupon or statement. All the information they need will be included with your payment, whether electronic or check.

• + I make the same payment amount to the same payee each month. Do I have to repeat the payment request each month?

  No. Simply establish the payment as recurring via the drop-down menu on the “Make a Payment” tab when making a payment.

• + How does the payment appear on my statement?

  The payment appears with the name of the payee and your payee account number along with the amount.

• + Are there any minimum or maximum payment amounts?

  Yes. The minimum payment amount is $0.01 (one cent). The maximum payment amount per payee, per day is $25,000, or the funds available in your account at the time of payment.

• + How far in advance of the due date should I schedule my payments?

  Your account will be debited on the payment date, but your payees may not receive electronic payments for up to three business days, or check payments for up to seven business days. 
  
  Payments are not processed on weekends or any holidays observed by the Federal Reserve. Be aware that payees may not immediately credit payments when they receive them.

• + I have a recurring bill payment set up; will I be notified when the last payment is made?

  No.

Pending Payments

• + How do I change payment amounts?

  You may edit your payment before the payment date. Once the payment has been debited from your account, it cannot be changed. Any changes will be reflected on the next payment date. 

• + How do I cancel a payment?
  1. Select Bill Pay » Pending Payments and locate the payment in question.
  2. Select the gear wheel icon next to the payment you want to cancel.
  3. Click Cancel Payment.
  4. Click Yes to confirm.

  Note: As long as a payment is still pending, you can cancel it.

Payment History

• + Can I view my history?

  Yes. Select Bill Pay » Payment History to see your last 360 days of Bill Payment history.

Unclaimed Bill Payments

• + What are stale dated payments and how are they handled?

  A stale dated payment is one that is correctly sent out to a payee, but the check is not cashed. It is our policy to return that money to you in full on the 95th day after the payment is issued if the check is still not cashed. We will also send you a notification with all the payment details so you can contact the payee if necessary.

• + How do I send a new payment to the payee?

  Simply schedule another payment to the payee using this Bill Pay service. For security reasons, we cannot submit a payment on your behalf.

Security Checking, Overdraft, NSF

• +What if I don't have enough money in my account on the day a payment is scheduled?

  The transaction will result in a Failed Payment. Failed payments will not affect other scheduled payments.

• + How does my overdraft transfer protection from my savings or money market accounts work with Bill Pay?

  If a single Bill Pay item requires an overdraft transfer, the system makes the transfer with no fee to you. If multiple Bill Pay items require an overdraft transfer, one aggregate transfer is made.

• + How does my overdraft transfer protection from my line-of-credit work with Bill Pay?

  A single transfer will be made for all bill payments incurring an overdraft from your Line-of-Credit account with no fee to you.