Q:What is Online Bill Pay?
A:Online Bill Pay is a service of Federal Credit Union that allows you to pay your bills online, a service that will be free of monthly charges beginning March 2010. You can pay virtually anyone, anytime, anywhere in the United States. Making payments online is one of the most efficient and economical features of Online Banking. It saves you the time of writing checks, trips to the mailbox, and time at the post office. It even saves you the cost of stamps. In addition, you can elect to receive e-Bills - from a large number of companies such as major credit cards and wireless phone providers.
Q: Who can I pay with Online Bill Pay?
A: You can pay any business or individual that you currently pay by check - your phone bill, loan payments, insurance, credit cards - even your dentist or daycare center. Please note you cannot pay court-ordered payments or state and federal taxes online at this time.
Q: How are payments delivered to payees?
A:Payees are businesses or individuals to whom you are making a payment. Payments you make through Online Bill Pay are delivered in two ways:
Most payments are delivered electronically. Payees who are paid in this way receive your payment information, including your account number, through secure electronic transmission.
All other payments are made by a paper check that is issued and mailed to the payee.
Q: Do I need any special software or hardware to use Online Bill Pay?
A: To use Online Bill Pay you will need to have a browser installed on your PC, which is capable of 128-bit U.S. security encryption. This is sometimes referred to as 128-bit strong encryption. If you do not have sufficient browser encryption you will receive an “Insufficient Browser Encryption” error message when you try and log on to Bill Pay. In addition to the error message, you will be provided with links where you can obtain the required browser versions.
Q: Will I have a separate password for Online Bill Pay?
A: No. Once you have logged into Mid-Minnesota Federal Credit Union’s PC Teller you will be able to access your Online Bill Pay account.
Q: What should I do when my address changes?
A: If you move and/or change your address, please promptly notify us. It is as easy as calling or stopping by your local MMFCU office.
Q: Do I need to contact each of my billers and let them know that I am going to be using an automated bill pay system to pay them?
A: No. This will not be necessary.
Q: What is an e-Bill?
A: An e-Bill is an electronic version of your payee’s monthly statement. You can request an e-Bill from any of 370 merchants to be posted monthly to your online bill pay account.
Q: Can Online Bill Pay, pay your e-bills automatically?
A: Yes. The full amount due can be set-up to be paid automatically, unless you set a maximum amount. Amount due is either the amount of the bill, such as a telephone bill, or the minimum payment on a credit card.
Q: How do I enroll in Online Bill Pay?
A: To access MMFCU’s Online Bill Pay System, you must first be a registered user of PC Teller, our easy to use home banking service. Log on to PC Teller using your member account number and PC Teller password. Then select the "Pay Bills" icon from PC Teller menu. Once you have read and agreed to the Terms and Conditions Agreement, select the "Register for Bill Payment" icon and you are ready to use MMFCU’s Online Bill Pay Service.
Q: Where can I view my Bill History?
A: The “View Bill History” feature is located on the Payment Center under the “Recent Payments Module” near the bottom of the page. Once in the “View Bill History” section, the columns can be sorted simply by clicking the column headers. For example, you can click on the heading ‘Amount’ and the data will be sorted by the dollar amount.
Q: Can I view my bill history for a specific biller?
A: Yes, on the View Bill History screen you can click on the “Biller Name” column header to sort the billers alphabetically and group all payments made to that biller for the selected time frame.
Q: Can Online Bill Pay, pay your e-bills automatically?
A: Yes. The full amount due can be set-up to be paid automatically, unless you set a maximum amount. Amount due is either the amount of the bill, such as a telephone bill, or the minimum payment on a credit card.
Q:How will I know that a biller can send e-Bills?
A: If a biller is able to send e-Bills, then you will see “Add an electronic version of my bill” as an option when setting up the biller. If you do not choose to add an e-bill at that time you can do so at a later date in the Manage My Bills section. If you have signed up to receive e-Bills from a biller, you will see the e-Bill icon next to the biller’s name in the Payment Center.
Q: How can I view an online bill that has already been paid?
A: Click on the “View Bill History” link in the Recent Payments module of the Payment Center. Here you can search for the payment.
Q: How can I identify an automatic payment? Can changes be made to an automatic payment?
A: If automatic payments have been established for a biller the icon will appear next to the biller’s name. By clicking on the icon, or accessing the biller through the Manage My Bills page, you can make changes to the automatic payment. Any changes made affect all current and future payments that are scheduled as automatic payments.
Q: How can I edit a "pending payment"?
A: To edit a pending payment, click on 'Edit'. Changes allowed include payment date, payment amount, and payment account.
Q: How many days does it take for my payment to reach the Biller (Payee)?
A: Most transactions will be processed within four business days. When scheduling a payment, the calendar located on the right side of the screen will give you the earliest pay date possible. Some bills may be paid on the same day, but we recommend that you schedule your payments at least four (4) business days prior to the due date. Your account will not be debited until the payment has been made.
Q: When do I need to have the funds in my account to cover my bill payment request, and what happens if there are not available funds in my account to cover the bill payment?
A: You need to have available funds in your account by prior to the payment date. If the funds are not available on the first day, we will attempt to process the payment again the next day. Please note, with each failed attempt, an NSF fee will be debited from your account.
Q: What if I do not have an account number for one of my Billers (Payees)?
A: To ensure accuracy and safety of your payments, an account number is required for all billers, except for Payments to Individuals. If you are unsure of your account number, please contact your biller (payee) to obtain or confirm this information. You can insert a memo that will be displayed to your biller or a note to yourself that will not be seen by your biller.
Q: Can I schedule a payment in advance? How far in advance?
A: Yes. You can schedule a payment up to one year in advance of the payment due date. Remember to allow four business days between the scheduled payment date and the due date. A good example of when you might schedule a payment that far in advance could be to pay annual dues to an organization or association.
Q: Can I make a payment from any of my accounts?
A: You can make payments from any of your checking accounts.
Q: What about payments I make every month for the same amount? How can I do this easily without repeating the payment request every month?
A: You can establish a recurring payment. A recurring payment must be made on the same day(s) each month and for the same amount. Use the Online Bill Pay system online help for assistance in establishing an automatic/recurring payment.
Q. Can I place a stop payment on a Bill Payment?
A: Yes, you can alter any payment at no charge until the payment is processed. If a check was sent to the merchant and not credited to your account, you may place a stop payment. There is a fee associated with this service. If the funds were sent electronically, the payment cannot be stopped.
Q: How do I terminate or discontinue the Online Bill Pay Product?
A: You may cancel your use of Online Bill Pay anytime by selecting "My Profile" and then selecting “Cancel service."
