Bill Pay FAQ
What is Online Bill Pay?
An online bill payment service available to all members that have a Community 1st Checking Account and are enrolled in our Online Banking services.
How Does Bill Pay Work?
When you schedule a payment, one-time or recurring, you're placing a request through your Community 1st checking account. You choose your due date and the payment is received by the payee on that date. After the payee receives or processes the payment, the funds will come out of your account. Most payments are made electronically though a physical check is required by some. This only matters if you are setting up a new payee and immediately create a bill. Physical checks can take up to four days to be received, and electronic transactions take 2 days.
What Accounts Offer Bill Pay & How Are Funds Delivered?
Bill Pay can only be used in conjunction with your Community 1st Checking Account. Payees can be paid either by check or electronic transfer-dictated by the payees' bill processing procedures.
When Are Funds Taken From My Account To Pay Bills?
Your payment will first be sent to the payee. Once it is received and processed by the payee then the funds will come out of your account. Just like writing a check, you need to have the funds in your account to cover the bill payment.
What If Funds Are Not Available When a Payment Attempts to Clear My Account?
If you are enrolled in Courtesy Pay and have enough funds to cover the transaction without going over your limit, the transaction will be paid and a Courtesy Pay fee will be assessed.
If you are not enrolled in Courtesy Pay; two attempts will be made to collect the funds for payment and insufficient fund fees will be assessed. If payment cannot be made after the second attempt you will be contacted for payment collection and your Bill Pay account will be frozen from further activity.
How Much Does Bill Pay Cost?
It's free to all members. However, you will receive a small monthly fee if you don’t use the system at least once a month (we pay a fee for you to use – we don’t mind paying it if you use it). We'll even walk you through setup. It's a simple and easy tool.
How Do I Enroll In Bill Pay?
First, you must sign up for Online Banking. Once enrolled, log into Online Banking, choose “Bill Payment” in the drop-down menu — then choose “Enrollment Options”. Next, click the box next to your checking account and click the “Enroll” button.
How Do I Cancel Bill Pay?
Contact a Credit Union representative. Please be sure that you have no payments in process.
Who Can I Pay With Bill Pay?
You can pay any individual or company you choose (think utilities, mortgage or rent, the paperboy, a babysitter, etc.). The only limitation is that payments cannot be sent to locations outside the US. Payments to government agencies — including but not limited to federal, state and local taxing authorities or court-ordered payments, — are not covered under the Payment Guarantee.
Can I Use Bill Pay If I Live Outside the US?
To enroll in Bill Pay you will need to have a U.S. address. After the enrollment is complete you can change your address back to a foreign address. Payments can only be made to merchants with U.S. addresses.
Is There A Maximum or Minimum Payment?
There is a $5 minimum payment amount. There is no set maximum amount for a single payment. The Bill Pay vendor determines any maximum limit on a member by member basis.
What's The Cutoff Time For Scheduling A Payment?
The payment cutoff time is Monday-Friday at 7:00 p.m. Pacific time. Any pending payments in the system will be processed at that time the next consecutive business day. If you choose to expedite a payment for a small fee, the cutoff time is earlier in the day depending on if the payment can be sent electronically or by shipping a check overnight to the merchant.
What If I Need to Change a Payment?
Changes can be made while a payment is still listed with links to Modify or Delete the payment the “Pending Payments” section. Once the payment has moved to “Processing”, no further changes can be made.
Can I Stop A Payment?
We may be able to stop payments made using a draft check (a check created as if you wrote it). Your account will be assessed a stop payment fee as disclosed in our fee schedule. Electronic payments cannot be stopped.
My Payment Has Not Been Credited - What Should I Do?
The first step is checking your records. The most common error is an incorrect entry of the payment date. If the payment day is accurate, contact the merchant to see whether they've received payment. If the date is found to be correct and all merchant payment information is correct, we'll submit a payment inquiry for a review of your payment history.
Can I Get A Copy Of A Payment Check?
Yes, you can get a copy of your payment check for a small fee. Contact us or visit your nearest branch for a copy.
What Happens If I Close My Checking Account?
All payees and pending payments will be canceled.
Can I make sure the payment goes as a check?
The Bill Pay vendor determines how the payment is made. Neither the credit union nor its members are able to specify that a bill is paid as a check.
An Online Banking account and enrollment in Bill Pay is necessary. You will also need to enable browser Pop-ups to access the Bill Pay site.
Why am I being directed to an outside website?
The Bill Pay vendor maintains all of the Bill Pay information and functionality within the vendor’s own website.