 |
|
|
||
|
1. Why should I use Bill Payer? You'll love saving time -- and money -- with Bill Payer, USU Charter Credit Union’s electronic bill payment service. Bill Payer eliminates the chore of writing out checks (which means purchasing less checks, too), buying stamps, and running to the post office. It works with USUCCU's checking account and you can pay virtually any creditor or merchant in the United States. You can pay virtually anyone in the United States- the local florist, your mortgage lender, even your paper carrier. 3. How do I sign up for Bill Payer?
Very easily. With Bill Payer and your secure access code, you set up your bills to be paid from your USUCCU checking account. You create a master list of all payments that you make on an individual or recurring basis. Once you have set up your list of payees, you need only enter the amount and the date. The rest is handled for you automatically. And, you can set up "recurring payments" (like your monthly mortgage, auto loan payment, etc.). These payments will be automatically made for you - without having to enter the dollar amount and date each time. 5. How long do payments take to reach my creditor? Arrival time depends upon the method of payment. Methods of Payment: 2. By mailed check In some instances it may take longer for your payment to reach your creditor as compared to mailing your payment to the creditor from your residence. Payment Delivery Guidelines:
When you set up a new payee it will always inform you that it will take up to 8 business days to deliver because it is a new request and needs time to determine whether the scheduled payment can be received electronically or by mail. If you set up a new payee and then check back in 2-3 business days, the delivery time will have adjusted to either 2 or 6 days depending on whether that payee can accept electronic payment. 6. When is the money taken out of my account? The payment amount is withdrawn from your account the day after the payment has begun the processing cycle. 7. Can I still use paper checks, like I do now? Yes. You can write checks anytime. 8. What happens if I set up a payment but I do not have the funds in my account? Keep in mind that using Bill Payer is just like writing a check. You must have sufficient money in your account. If you change your mind on a future-dated payment, you may change the payment as long as it has not yet been processed. 10. How do I know if a payment was sent? There are several ways to verify that a payment was sent. The best way is to look at your transaction history and verify that you had a withdrawal for the payee in question. You can also look at your Payment History in Bill Payer and it will list payments that have been sent. Bill Payer will send you a message if it is unable to send a payment due to insufficient funds. 11. How do I know if a payment was made? You can contact the payee that you sent the payment to to verify that they received it. 12. How do I know whether a creditor will receive electronic payment or a mailed check? Bill Payer will determine the amount of time after it reviews your payee in question. When you first add a payee, Bill Payer states that it will take 8 business days. Wait 2-3 business days after adding that payee and then login to Bill Payer and click on View/Edit Payees. The number of days to actually deliver the payment will have been adjusted to 2-4 days for electronic payments, and 4-6 days for check payments. 13. Whom do I contact for help? You have several options available. Click "Help" within Bill Payer for information such as how to perform a particular task. We also recommend that you use the built-in e-mail feature available under Contact Us, or contact USUCCU by email or by calling (435) 753-4080. 14. How much does Bill Payer cost? Bill Payer is free for all USUCCU Members. Pay as many bills as you want each month and you will never charged a fee.. 15. Why do some of my bill payer payments take 6 or 8 business days to deliver when other payments I have only take 2 business days to deliver? The reason for this is that some companies accept electronic delivery of payments and some companies do not. If you have a payment that takes 2 business days to deliver, then that payment is being sent via electronic delivery. If your payments takes 6 or 8 business days to deliver, then that payment is being sent through the mail in the form of a check. When a company that has not been able to accept electronic payment delivery becomes able to, Bill Payer will automatically update your payee information so that your payments are delivered electronically. 16. I just set up a new Bill Payer payee and it says that the payment will take 8 business days, why does it take so long for a payment to get there? When you first set up a Bill Payer payee the default delivery time is 8 days. Our Bill Payment vendor will then determine how that payee accepts payments and then they will update the delivery time for that payee. The payee may accept electronic payments or they may need to have a check mailed to them. Electronic payments take 2 business days to deliver and check payments can take 6-8 business days to deliver. |
