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| What is
Bill Pay? |
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Bill Pay is an online
service that we offer through SELCCU Online where
members can send their payments (utilities, credit
cards, cell phone, even relatives or babysitters!)
through our secure website. |
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| How
does Bill Pay work? |
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You must have a valid
SELCCU Checking account and SELCCU Online access. Once
you log on to SELCCU Online, click Online Bill Pay and
begin to pay your bills. You’ll be asked for the payee,
address, account number for the bill you are paying, and
amount you wish to pay. Our system will then determine
if the funds can be sent electronically (ACH) or if a
physical check must be sent. You no longer need to write
a check or find a stamp! (But please remember to write
it in your check register as a debit). |
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| How do
I sign up? |
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You must have a valid
SELCCU Checking account and have access through SELCCU
Online. If you’re not already signed up for SELCCU
Online, please apply online.
Once you have access
through SELCCU Online, log in as you normally would and
click on Online Bill Pay. The system will ask you to
review your information to apply for Bill Pay.
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| Will I
need another user name and password for Bill Pay?
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No. To access you will
enter SELCCU Online with your username and password and
then just click on the Menu Item “Online Bill Pay.”
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| How
much does it cost? |
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This service is
FREE to SELCCU members! In addition, you may conduct
an unlimited number of Bill Pay transactions each month. |
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| How
secure is it? |
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We are using current
SSL technology to ensure your transactions over the
internet are safe and secure. |
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| Will I
be able to transfer or move money from one account to
another within SELCCU? |
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Bill Pay does not
support the transferring of money. If you wish to
transfer money between your SELCCU accounts, please
click Log Off in Bill Pay and that will take you back to
the SELCCU Online screen where you can transfer funds
and make payments to your SELCCU accounts. |
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| The
biller account numbers appear to be hidden, how can I
make sure that they have the correct account? |
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Full biller names will
appear in the hovering text when the mouse is placed
over the biller name in the mini-modules of the Payment
Center. |
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| Can I
change personal information, such as name, address,
phone number, or e-mail address? |
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You are only able to
view your personal information. If you need to change
your personal information, please send a written note
with your new address, phone number and your signature
to us or download a change of address form from our
website. You can change your email address while in Bill
Pay, but it will only be changed on the Bill Pay system.
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| Does
Bill Pay support court-ordered payments or federal tax
payments? |
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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. |
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| What is
the difference between this and the automatic payments I
already set up with some of my billers? |
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With automatic
payments you have to give them your routing number and
10-digit account number. Then your biller retrieves the
amount you specify on the day you specify. If you want
to stop automatic payments, you will need to call the
biller, and it may take a while to stop the payments
from coming out of your account.
With Bill Pay through
SELCCU Online, You are in control of your finances! Your
routing number and account number stay here, secure. We
send the amount you specify from your checking account
to your biller on the day you specify. If you want to
stop the automatic contributions, just change it through
Bill Pay and it is stopped that day. It’s that simple.
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| Can
Bill Pay pay e-Bills automatically? |
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Yes. You will have
various payment options for e-Bill payments depending on
the information provided by the biller. You can schedule
payments for the minimum amount due, balance due, or an
amount you specify. |
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| Can an
automatic payment be set up to pay a credit card bill in
full each month? |
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No. At this time Bill
Pay is not able to pay the full balance, only the amount
due which is considered the minimum due. |
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| How can
I identify an automatic payment? |
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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, the
subscriber can make changes to the automatic payment.
Any changes made affect all current and future payments
for those billers that are scheduled as automatic
payments. |
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| I like
writing a check and having a paper trail for reference.
How can Bill Pay help me? |
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Bill pay keeps a
history of all the bills you’ve paid through Bill Pay
for 6 months. After you pay each bill, Bill Pay will
give you a confirmation number for your reference. If
you need to research why a bill wasn’t paid, you can
call Member Care at 888.918.7628 and they will do all
the research for you FREE of charge! |
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| Can I
schedule a payment for today? |
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In the payment center
on Bill Pay, you will see a calendar icon next to the
pay date section. Click on the calendar to find the
soonest available date to have your payment issued. All
available payment dates are in BLUE. Depending on if we
need to send a check, or if we can ACH the money to your
biller, determines how much time we need to guarantee
the payment will get there when you specify.
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| How can
I edit a ‘pending payment’? |
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In the “Pending
Payments” section on the Payment Center screen, click
the word Change; then you can change the biller name,
amount of payment and/or date of the payment. Once
changes are completed click “Save Changes” and if all is
correct, select the “Finished” button. You will see the
edited payment in the “Pending Payments” section.
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| Can I
use Bill Pay in combination with Quicken or Microsoft
Money? |
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You can import
transaction information to Quicken 2004 or earlier
versions. Bill Pay will only support Microsoft Money
downloads in the .qif file format. |
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| Can I
view bill history for a specific biller? |
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Yes, on the View Bill
History screen you can click on the “Biller Name” column
header to filter by biller name, funding account, or
payment status and will hide payments made to all other
billers, providing you with an enhanced capability to
locate specific transactions. |
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| How can
I view an e-Bill that has already been paid?
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To view an e-Bill that
has already been paid, click on the “View Bill History”
link in the Recent Payments module of the Payment
Center. Here you can search for the payment.
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| Can I
change, or get a refund of, a payment processed as an
electronic payment? |
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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. |
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| How
does Bill Pay collect funds from an account if there are
insufficient or no funds available? |
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Bill Pay will first
make two attempts to collect the funds from your
account. First on the due date and the second attempt
will be within 2 to 3 business days of the first
attempt. The account will remain active unless the funds
are not recovered in 46 calendar days, at which time the
account will roll to a Cancel status, with a C code for
collections. If the payment was made via a corporate
check or electronically, the biller has already been
paid and you do not need to send them another payment.
If the payment was made by a laser draft check, the
payment will be returned to SELCCU, the biller has not
been paid, and you will need to send them another
payment. |
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| If a
payment is now listed in the “Recent Payments” section,
why has my account not been debited yet? |
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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 SELCCU. |
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| The
funds have been deducted from my account, why has the
biller not been paid? |
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Check to see when and
how the payment was made. If it has been more than 10
business days from the process date, and the check has
not cleared, initiate a case 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 Member Care at 888.918.7628. Even though BillPay
submits the funds 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.
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