Bill Payer Questions & Answers

1. What is Bill Payer?
2. How does Bill Payer work?
3. Is Bill Payer secure?
4. Who can I pay using Bill Payer?
5. Which accounts can I use Bill Payer with?
6. How long before a payee receives the check?
7. When is the money drawn from my account?
8. How will I know what payments have been made?
9. What if I do not have adequate funds in my account?
10. Can I stop a Bill Payer payment from being processed?
11. How do I change payment amounts?
12. How do you set up a payee?
13. Can I pay bills that change amounts each month?
14. Will I get a confirmation of my transactions and bill payments?

1. What is Bill Payer?
With Bill Payer you can schedule and make payments through Security Access Online Banking. You can pay bills to anyone, anywhere in the United States. You can set up repeating payments and you can schedule payments for dates in the future.

2. How does Bill Payer work?
The first step in Bill Payer is to set up your payees. You can do this all at once or on an as needed basis. After your payees are set up, you may then schedule payments to be made at that time or for some time in the future. You will only need to set up each payee once. After that, each time you make a payment, you choose the payee from your list and enter the payment information. Always allow 5 to 7 business days from the payment date for the payment to be received by the payee. The payment must be processed by the bank and then delivered to the payee by mail from the bank.

3. Is Bill Payer secure?
Yes, it uses the same methods as Security Access Online Banking to protect your information.

4. Who can I pay using Bill Payer?
You can pay anyone that you would normally pay by check or automated debit with an address in the United States. The only exceptions are state and federal tax payments and court-ordered payments.

5. Which accounts can I use Bill Payer with?
You may specify any checking account associated with your Bill Payer account.

6. How long before a payee receives the check?
Most payments will reach a payee within seven days. The payee then must post the payment which may take longer. After you become more familiar with each payee’s posting habits, you can adjust your bill payment dates accordingly. It is also important to note that the date you schedule a payment to be made is the date your account is debited and not the date the payee will receive the payment.

7. When is the money drawn from my account?
The funds for the payments are drawn from your account on the scheduled pay dates. You should always have funds available to cover the payment on the scheduled pay date.

8. How will I know what payments have been made?
Once a payment has been made, it will be clearly itemized on your checking account statement. You can view this activity online with Security Access Online Banking.

9. What if I do not have adequate funds in my account?
Your Bill Payer checking account must have sufficient funds available in order to pay the bill on the payment date. Your payment will not be processed until funds are available in your account.

10. Can I stop a Bill Payer payment from being processed?
You have up to 3:00 PM on the payment date in order to change your scheduled payment. You do this by clicking the “payments” button and then clicking on the specific payment you wish to change. To delete a scheduled payment, change the amount of the payment to $0.00.

11. Should I make the payment on the same day it is due?
No. You need to schedule the payment at least 5 to 7 business days before it is due. It takes us 2 to 3 business days to process and send the payment and may take 3 or more days for the payment to reach the payee. Payments are only initiated on business days, even though you can schedule them any time.

12. How do I set up a payee?
First you click on New Scheduled Payment after you select an account to pay from. Then fill in the name, address, phone number of the payee and your account number with the payee.

13. Can I pay bills that change amounts each month?
Yes.  Set those payees up as one-time payments. Then, each month initiate the payment and change the dollar amount.

14. Will I get a confirmation of my Bill Payer transactions?
Yes, after you submit the transaction you will be given a confirmation number. You may save this number as proof of your payment.