FAQs

Who can I pay?
Nearly anyone that has a physical and/or mailing address can be paid using Bill Payer.

Is there a fee to use Bill Payer?
Bill Payer is Free!!!

How do I enroll in Bill Payer?
Just log on to USUCCU’s Web Teller, click on “Bill Payer Login.” Please read the “Terms and Conditions” and “Privacy Policy,” and once you’ve acknowledge that you have read and accepted the agreements, you’re ready to go.

How do I get help with Bill Payer?
You can click on the ? within Bill Payer to get help. You can also contact our Bill Payer Support Center 24 hours, 7 days a week at 1-866-820-7981.

Do I need a checking account?
Yes, you will need a checking account for Bill Payer and be an active Web Teller user.

Do I need any special software or hardware to use Bill Payer?
To use Bill Payer 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 Payer. In addition to the error message, you will be provided with links where you can obtain the required browser versions.

Will I have a separate password for Bill Payer?
No. Once you have logged into USUCCU’s Web Teller you will be able to access your Bill Payer account.

How do I control payments?
You have complete control over who is paid and when. You can schedule regular payments to be made automatically or make each individual payment when you want, just like your check book, only without all the envelopes and stamps.

How will I know when my payment will be made?
A handy calendar will allow you to schedule your payment easily and accurately. Depending on the company, you can either schedule payments to take place as early as the next day, or for many, you’ll want to schedule your pay date two to four business days prior to the bill due date. The funds will be withdrawn from your account on the pay date you specify.

How will I know that a payment can be made the same day or next day?
The calendar icon will display the ‘Available Payment Dates' in Blue. If the date in blue is the same day you are trying to schedule the payment, then this is considered a ‘Same Day payment'.

What about history on my account?
The Bill Payer system will keep six months of payment and transaction history for you from the day you log on to the system. You will be able to see any transaction on your statments as well.

How does Bill Payer work?
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.

After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Bill Payer. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

Tip: When you enter an amount, Bill Payer automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.

You can pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

• The Pending Payments section provides a quick summary of the payments that have not been processed yet.
• The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.

If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.

How secure is my bill payment and personal information?
Bill Payer uses several methods to ensure that your information is secure.

SSL—Bill Payer uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.

Encryption—Bill Payer uses 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out—Bill Payer automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in Bill Payer.

Can I use assistive technology to access Bill Payer?
Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make Bill Payer more accessible to assistive technology users.

For best performance, we recommend you use one of the following supported browsers:

•Microsoft Internet Explorer 6.0 (Windows XP)
•Microsoft Internet Explorer 7.0 (Windows XP)
•Firefox 2.0 (Windows XP)
•Apple Safari 2.0.x (Mac OS X 10.4.x)

While other browsers may work with Bill Payer, these supported browsers provide the highest level of security, accuracy, and functionality.

We also recommend that you enable JavaScript in your browser. JavaScript is required for certain Bill Payer features to function properly.

How can I tell which account any applicable bill pay fees, such as service fees or NSF fees, will be taken from?
Any applicable fees are automatically withdrawn from the account that you specified as the service fee account. The bill payment service fee (if applicable) and any additional payment fees appear on the monthly statement as a bill payment fee.

With the Account Number Masking feature, only the last five digits of the payment account are displayed. Bill Payer allows me to choose from several payment accounts. How can I tell which payment account to use?
You can go to the "My Accounts" screen where the full account number is displayed. Here you can choose to "Update the Name" of your account so it is easily identified in the drop down list on the Payment Center when you go to schedule payments.

With the Account Number Masking feature, only the last five digits of the payment account are displayed. Billpayer uses the account prefix to distinguish the type of account such as DDA Checking or Money Market Checking. All of our suffixes are the same. How can I tell which payment account to use, if they all appear to be the same?
You are able to associate a "Name" with each of their payment accounts. You can go to the "My Accounts" screen where the full account number is displayed. Here you can choose to "Update the Name" of their account so it is easily identified in the drop down list on the Payment Center when they go to schedule payments.

Bill Payerallows me to choose from multiple payment accounts for bill pay. How does the system determine the payment account that displays in the drop down box on the Payment Center?
The account that displays is the last payment account that was used during the previous bill payment session. The system now remembers the last payment account and displays this account during their next login.

Where can I view my Bill History?
Click on "Bill History". Once in the "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.

Will I be able to transfer or move money from one account to another within my own Financial Institution?
Bill Pay does not support the transferring of money. However, if more than one account is used to pay bills from then you will be able to "move" the payments from one account to another.

The biller account numbers appear to be hidden, how can I make sure that I have the correct account?
You can go to "Manage My Bills", select the biller from the drop down list, and thenselect "Update biller Information". Youwill then be able to view and/or change the account number and other biller information that can be modified.

Will the "Welcome" screen appear every time I log in?
No. The "Welcome" screen only appears until the first nightly update after you enroll for the first time or log into bill pay the first time after the upgrade.

Can I view bill history for a specific biller?
Yes, on theBill 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.

Can I change personal information, such as name, address, phone number, or e-mail address?
You are only able to view your personal information. However, you can change your email address but it will only be changed on the Bill Pay system.You can change your address, phone, or e-mailwithin Web Teller and the next time you log into Bill Payer, it will be updated.

How many e-mail addresses does Bill Pay support?
The system supports one email address per account.

When are payments sent by ACH, corporate check, or Laser Draft?
The Bill Pay system evaluates the risk of each user based on the user's credit rating and payment history. This evaluation produces a score, which is used to establish a daily, weekly, and monthly threshold amount that will determine how the payment will be sent. The lower the risk, the more likely the payment will be sent, up to the threshold amount, by ACH or corporate check.

Does Bill Pay support court-ordered payments or federal tax payments?
No. You cannot make court-ordered payments, state, or federal tax payments through Bill Pay. additionally, Bill Pay can only make payments within the United States.

How does Bill Pay collect funds from an account if there are insufficient or no funds available?
CheckFree will first make two attempts to collect the funds from the your account. First on the due date and the second attempt will be within 2 to 3 business days of the first attempt. If this is unsuccessful and the funds are not recovered in 46 calendar days, the account rolls to a Cancel/Collections status.

Can Bill Pay pay e-Bills automatically?
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.

Can an automatic payment be set up to pay a credit card bill in full each month?
No, at this time Bill Pay is not able to pay the full balance, only the amount due which is considered the minimum due.

How do I get a biller to accept electronic payments or to send e-Bills?
You can provide the biller with CheckFree's Merchant Electronic Registration site at https://www.yes.checkfree.com. The biller can then follow the instructions to begin receiving payments via ACH. If the biller would like to become an ebiller, they can go to http://www.checkfreecorp.com for more information.

What happens if a biller rejects a payment?
If the payment was made by a Laser Draft check, the payment will be returned to the financial institution that services the account. If the payment was made by a Corporate Check, the payment will be sent back to CheckFree. CheckFree will conduct research to see if they can resend the check or they will contact you for more information. If an electronic payment was made, the biller rejecting the payment is responsible for forwarding the payment to the correct biller or returning the funds to CheckFree.

If a payment is now listed in the "Recent Payments" section, why has my account not been debited yet?
The funds are not withdrawn from your account until the payment due date. However, corporate checks are mailed three days before the due date and most electronic payments are sent out one day before the due date. Also, if the payment is made by Laser Draft check, the funds will not be withdrawn until the biller cashes the check, and then the check must clear your financial institution.

The funds have been deducted from my account, why has the biller not been paid?
Check to see when and how the payment was made. If it has been more than10 business days from the process date, and the check has not cleared, contact customer service and request the check to be stopped and refunded or reissued. For electronic payments, if it has been 2 to 4 business days since the due date and the payee has not yet posted the payment, contact customer service. Even though the funds are submitted the day before the due date, keep in mind that the biller will have their own processing time frames. For Laser Draft checks, contact the biller to resolve the issue as with any other check drawn on your personal account.

How will I know that a biller can send e-Bills?
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 chose to add an e-Bill at that time you can do so at a later date in the Manage My Bills section of Bill Pay. 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.

How can I view an e-Bill that has already been paid?
To view an e-Bill that has already been paid, click on the "Bill History" link. Here you can search for the payment.

How can I identify an automatic payment? Can changes be made to an automatic payment?
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.

How can I remove an e-Bill from the bill reminder section when the bill has either been paid outside of Bill Payer, or the bill contains a credit or has a zero balance?
You will have to file the e-Bill in order to remove it from Bill Reminders. To file an e-Bill:
1. Go to the Recent Payments section.
2. Click View Bill History.
3. Find the bill you want to file.
4. Click View Detail.
5. Click File Bill.
6. In Payment Method, select the payment method used for the bill. This is where you can indicate that the bill was paid by check, etc.
7. In Bill Note, type an optional note about the bill and its resolution. You can type a maximum of 80 characters.
8. Click File Bill.

Can I change, or get a refund of, a payment processed as an electronic payment?
If the payment status is "Pending Payments", you can cancel the payment. Once an electronic payment is processed, the biller is in possession of the funds and you need to contact the biller to request a refund.

See for Yourself
Click here to view a demo of the new Bill Payer system.