As of August 1, 2022, C1CU will be going LIVE with several changes to our systems. These changes were made to provide our members with modern and simple online services. The credit union is also streamlining operations between C1CU and GCU so we will all be working on the same systems in early 2023.

What is Online Bill Pay?

An online bill payment service that is available to all members that have a Community 1st Checking Account and are enrolled in our Online Banking services.

Download the Complete BillPay User Guide →

• Can I send person-to-person payments?

Yes, Person-to-Person payments will still be supported, and we will not charge any fees to send money to a person.

• How do I send a person-to-person payment?

When sending a person money, you only need to know their email address or cell phone number. Once they accept your payment they can enter in the routing and account information (2-3 days to deposit) or debit card information (almost immediate credit). P2P = Only can send funds via Debit rails, no Credit Card.

• Will my payments be sent electronically?

Yes, most payments that are currently being sent electronically will continue as normal. The one change to these payments is that the payment will be debited from the member’s account on the “send on date”. They will be delivered to the payee on the “estimated delivery date”, usually 2 business days later.

• Is it possible that any of my payments will be made by check?

Yes, you can expect that if you have payments sent by check today that they will continue as anticipated. Keep in mind that paper checks will not clear the member’s account until they are presented for payment.

• Can I change my Check Payment Delivery date?

No, dates are set by USPS, and provide Allied Payment delivery dates based on zip code.

• To meet your due dates, we recommend:

o For check payments, schedule payments at least 5 days in advance (this does not mean you pay your bill ahead of its due date, only that you schedule it to arrive by the due date), in order to give us enough time to process and mail the check.

o For electronic payments, schedule payments at least 2 days in advance.

o For rush payments, refer to the “Earliest Send On” and “Earliest Deliver By” dates.

• Do I need to have funds in my account when I set up bill pay?

Yes, you need to have the funds in your account - you can set for a future date when you will have funds BUT the system cutoff time is 3 pm. This means if you try to set up a payment for the next day after 3 pm and do not have the funds in your account it will not allow you to do so. The reason for this – after 3 PM Allied Payments system operates as if it is the next day. (You will not be able to set up payments on Saturday, Sunday, and National Holidays)

• Are limits set on payment amounts?

Yes, the limits are: $5000 – Electronic payment $10,000 – Paper check $500 – Person to Person • How do I know if a payee accepts digital payments? On your Bill Pay dashboard, there is a lightning bolt icon ( ) displayed next to each biller that accepts electronic payments, and a leaf icon ( ) next to each biller that offers eBills.

• What is PicturePay®?

PicturePay® is a payment product included in your Bill Pay platform that allows you to pay a bill using a simple, 3-step process: Snap a picture of the bill, Enter the dollar amount, and Click to pay. This innovative technology eliminates the need to manually enter payee information to pay bills. Once you pay a bill using PicturePay, the payee is automatically added to your Bill Pay dashboard.

• What are eBills?

eBills is a feature that allows you to receive electronic (PDF) versions of paper bills and pay them directly from your Bill Pay account. Once you set up an individual eBill for a company, an eBill is delivered directly from that payee to your Bill Pay account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers, and credit card companies. eBills are not the same as recurring payments, which you must schedule. On your Bill Pay dashboard, there will be a “Sign up for eBilling” button next to each payee that offers eBills. A leaf icon ( ) is displayed next to each payee that you have linked to eBills.

• Will eBills transfer from the old Bill Pay system?

eBills will not carry over from the previous vendor. Member will need to set up eBills in the new system.

• Can I set up notifications with Bill Pay?

Yes. The following notifications—sent via email or text—are available for eBills: For billers that do not offer eBills, we can email you the following notifications: a summary of daily payments; when a payee is created; and when payments over a specified amount are scheduled.

• Payment due reminder

• Payment due today

• Payment past due

• Payment scheduled

• Payment posted

• Balance more than specified amount

• How much history will carry over from our previous Bill Pay vendor?

We will carry over 12 months of payment history.

• How much history does Allied Payment store?

Allied will store 7 years of history for each member's Bill Pay.

• How can I submit a dispute?

You can call the credit union for any questions you may have.

• Can I place a stop payment on my bill payments?

Yes, you can cancel payments by 1 pm 1 day after payment was initiated.

• What is a Bank Hold?

Any unusual payments that need to be reviewed before Allied Payment releases the payment. 

• What is the Vault?

The Vault is like an electronic Safe Deposit Box. Members can save any document type and eBills are automatically saved. Note: Staff will not be able to see what is in the members' Vault.

Bill Pay Key Terms

• Flex Pay = Bill Pay

• Electronic Payee: A biller that allows payments to be processed electronically. We will deliver the payment to the biller by the delivery date; however, biller may take 1 to 2 business days to post the payment to your account.

• Paper Check Payee: A biller that will receive a physical check in the mail delivered by the United States Postal Service (USPS), which can take 3 to 4 business days. Please allow 1 to 2 business days for the merchant to post the payment to your account.

• Recurring Payment: Ongoing, periodic payment to a biller. You define payment amount, frequency, start and end cycle.

• P2P Payment: P2P (Person-2-Person) payments allow you to safely and quickly send money to any individual located in the United States with an account in the U.S. banking system, whether they have a Community 1st Credit Union account or not. Payments are initiated using the P2P app available within Bill Pay. The recipient can accept the funds immediately via debit card or within 1 to 2 days using a financial institution routing and account number.

• A2A Payment: A2A (Transfer between my Accounts) payments allow you to securely move funds between Community 1st Credit Union and accounts at another financial institution. Instant account verification eliminates the need for micro-deposit set-up, and you can schedule a transfer to/from that account within the same session.