MMFCU Bill Payer is an inexpensive, convenient way to pay your monthly bills that saves you time and postage expense. And if you utilize your credit union for other services, Bill Payer may be absolutely FREE. Bill Payer is available through PC Teller, which provides 24-Hour access to your accounts via personal computer. PC Teller is a free service that lets you check balances, transfer funds, print statements and much more!
Frequently Asked Questions about MMFCU Bill Payer
Q. Is there a regular fee for Electronic Bill Payer?
A. First time users receive Bill Payer free for three months. After this time, you may be charged a monthly fee. That fee will be reduced or waived entirely based on your account relationship with MMFCU...
No MMFCU Checking...$8.95
MMFCU Checking and combined loan/deposit balances under $5,000...$4.95
Combined loan/deposit balances over $5,000...FREE
Utilize MMFCU E-statements.... FREE
Prices per month are for unlimited transactions - Bill Payer fee will be automatically withdrawn from 'Default' account on or around the last business day of every month. Note that if applicable, the monthly fee will be assessed regardless of the number of transactions performed in a given month.
Q. Are there other fees associated with Bill Payer?
A. If you request additional services, it is possible that some fees assessed by our Bill Pay Vendor will be passed on to you. These include:
1) Stop Payment Request (per item) $10.00
2) Check Copy Fee (per item) $5.00
3) Transaction Modification Fee (per item) $25.00
Q. Where can I find specific directions on how to add payees and set up Bill Pay transactions?
A. Such information is readily accessible right on the Bill Pay site. Simply click the ‘Help’ icon on any screen for complete details about the contents of that particular screen. You may also pick up or request our information brochure on Electronic Bill Payer, or visit the Bill Pay section of our regular web site.
Q. Why wasn't a large, nationwide company listed on the Registered Company List?
A. Most large companies are listed on the Registered Company List, but some have not yet been listed. If you don't find your company in a preliminary search, try varying the name. It might take more than one search to locate the particular company. If after several attempts you still don't find the company you are looking for, you will need to add it as a new company.
Q. What is an ‘account number input mask?’
A. When searching for a company, you should note that one column in your search result table is titled ‘Account Number.’ The symbols in this column are referred to as ‘input masks.’ These are simply illustrations of the proper form of your account number. For example, a mask may read XXXXX. This means that account numbered for this particular payee are typically five digits long. Symbols that may make up a mask are as follows:
N = number
A = letter
X= number or letter
Q. What if I’ve found the correct company, but the address and account number input mask don't match?
A. Many companies have different payment centers depending on your geographical location. If your particular payment address and input mask have never been requested before, then you must be the first to request that particular payment center. You will need to complete the "Add a Bill" form.
Note that once you have added a new company to the Registered Company List, it will take five business days to verify the company, before the bill can be paid. Please take this in to consideration when selecting your payment date.
Q. How will my payment be sent, electronically or by check?
A. This depends entirely on the recipient. If the recipient is set up to receive funds electronically, our Bill Pay Service will use that method. If no electronic channel exists, a check will be generated in your name and will be mailed to the payee. To determine if your payment will be check payment or electronic delivery, click the name of the bill on the Bill Pay list and review the address line. If a physical address is listed, your payment will be made by check. If the phrase "Electronic Payment Delivery" is listed, your payment will be electronic.
Q. How will I know if the recipient can receive an electronic payment?
A. Many popular companies throughout the U.S. are already registered in our Bill Pay system. You will need to complete a search for the company and match up the account number format in the account number field (called the "Input Mask") to the account number format on your bill. Once you locate the company, look at the address listed. If the address states "Electronic Payment Delivery" then the company can accept electronic payments. If the company has a physical address listed, payments are made by personal check.
Companies not already registered in the Bill Pay system have the potential to be either electronic or personal check payees. Revisit a company after it has been formally registered to view the method of payment. Simply click on the company name on your list of payees.
Q. How long will it take to process my Payment?
A. All check payments will take 6 to 10 business days for delivery. Checks are mailed from Salt Lake City, UT. Electronic payments will take 2 to 4 business days for delivery.
Q. How do I stop a payment?
A. If you decide to cancel a payment that has not yet been paid, simply delete the due date and the bill will not be paid. There is no fee in this instance.
If, however, you wish to stop payment on a bill that has recently been paid (The Status window reads ‘Paid’), please contact Mid-Minnesota as soon as possible. Our staff will then attempt to place the stop on your payment. There will be a $10 fee charged in this instance.
Q. How do I confirm my bill has been paid?
A. Locate the bill on the Bill Pay list. Find the column titled "Status/History". This column will indicate one of the following.
* N/A
* Scheduled
* Paid
To view the entire history of the bill; including a check number, confirmation number, and date the check cleared, click the bill status.
Q. Can I pay MMFCU through the Bill Pay service?
A. While you can certainly make your MMFCU loan payments through our Bill Pay service, please note that we already offer automatic loan payments for all of our loan services, including VISA and Secondary-Market Mortgages. If you wish to initiate the transaction each pay period, you may also wish to use the ‘Transfer’ function on PC Teller. The ’Transfer’ function does not presently allow for VISA or secondary-market mortgage payments. For more information on automatic payments, please call your nearest MMFCU location.
Q. What payment frequency should I choose?
A. While most bills should be paid using the "Manual," option, another frequency may better fit your situation. All frequencies are defined below to help in making your decision. Keep in mind that you can change your payment frequencies at any time right from the Bill Payment screen. Be sure to Save Changes after altering any and all options.
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MANUAL - For bills that you pay regularly. Works especially well for bills with different amounts on every payment.
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ONE TIME ONLY - Use only if you want to pay a person or company one time. Don't use if you will pay this company/individual again.
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MONTHLY - Pays on the same date every month.
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WEEKLY - Pays on the same weekday every week.
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BI-WEEKLY - Pays every 14 days.
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SEMI-MONTHLY - Bill is paid 2 times per month, the first payment between the 1st and the 13th, the second payment between the 16th and the 28th.
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SEMI-MONTHLY LAST - Bill is paid 2 times per month, the first payment on the 15th and the second payment on the last day of the month.
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MONTHLY LAST - Pays on the last day of each month.
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QUARTERLY - Pays on the same date every 3 months.
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SEMI-ANNUALLY - Pays on the same date every 6 months.
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ANNUALLY - Pays on the same date every 12 months.
Q. How do I change the default payment account?
A. Above the Bill Pay list, your Default Bill Payment Account is displayed. Click the blue "Change" button directly after it, and select an account from the drop down menu. You will be given three choices:
1. Apply this change to new bills only.
2. Apply this change to all the bills currently using default account.
3. Apply this change to all the bills.
Choose one, and click OK.
Q. How do I modify a payment?
A. Click the name of the Company/Payee on the Bill Pay list. Make all changes. Click OK.
Q. How do I delete a bill?
A. Find the bill on the Bill Pay list. Click the checkbox in the far right column labeled "Delete". Click the "Save Changes to Bills" button.
Q. My bill needs to be postmarked. How will I accomplish this?
A. Bill payments are NOT postmarked. If you have a payment that needs to be postmarked with a date (ie: a last-minute tax-filing) DO NOT use the Bill Pay system.
Q. When I delete a bill, the next bill does not replace it numerically on the Bill Pay list. Why?
A. Our system statically tracks each bill by number and will never re-sort the numbering. For example, if you have 6 bills setup and you delete bill #3, bill #4 will not be re-numbered to 3, but will remain 4.
Q. Are there special browser requirements to use Bill Payer?
A. Bill Pay is a part of PC Teller, and thus has the same browser requirements. For your safety, PC Teller and Bill Payer use modern encryption devices that are not supported by older browsers. We recommend use of Internet Explorer 5.5 or greater, or Netscape 4.72 or greater. Upgrades to your present browser can likely be found online, at microsoft.com or netscape.com.
Q. I want to cancel my Bill Pay Service. What should I do?
A. To cancel Bill Pay Service, click the "Stop Bill Pay Service" button below the Bill Pay list. This will cancel your Bill Pay Service and no bills will be paid from this moment forward.
Q. Where can I read more about the terms of the Bill Pay Agreement?
A. Request the Bill Payer Agreement from any MMFCU location or click here.
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