What is Bill Pay?
Introduction
Bill Pay is a service that makes it simple and convenient to pay bills electronically. Pay virtually anyone or any company through your online checking account. You determine who you want to pay and when you want to make the payment.
Details and FAQ
What can I do with Bill Pay?
Pay anyone, anytime, anywhere, day or night from the comfort of your own computer:
- Set up single or recurring automatic payments such as a car payment or rent
- Lost track of time? Use the next business day or second business day delivery feature to expedite payments
- Use the "Calendar" feature to view scheduled payments and quickly set up additional payments or schedule a reminder with a few clicks
- Personalize and send a "Gift Check"
- Personalize and send "Donation" to the charity of your choice
- Transfer funds to an account in your name at another financial institution ($2500 daily transfer limit)
- Schedule eNotifications to receive payment and event notification information via email or text
How do I sign up?
Enrolling is easy. Simply log into your account, click on Bill Pay under the Transfers/Payments tab, and follow the prompts to set up Bill Pay for your account. Once enrolled, all functions are available through the mobile app or online login. If you have any questions regarding enrollment or online Bill Pay services, please call us at 800.242.2120.
Getting started with Bill Pay:
This video tutorial can help guide you through your Bill Pay enrollment and setting up your first payments using this electronic service in digital banking. Log into your account at visionsfcu.org or using the Visions FCU Mobile app.
Note: If you're creating a new payee but don't have an assigned account number at the organization you're paying, you can include directions for the remittance, such as: "Apply payment to the account of NAME."
Does it cost anything to use Bill Pay?
Bill Payment is FREE* for all members enrolled in digital banking.
*Are there any fees?
Only if you elect an optional service, such as Gift Checks and Rush Payments. Fees associated with optional services are debited from your Bill Payment account the first business day after the transaction is scheduled.
- Customized gift cards/checks are $2.99 each
- Next Business Day delivery is $19.95
- 2nd Business Day delivery is $14.95
Using the mobile app? Your mobile service provider's data rates may apply.
Why should I use Bill Pay?
It's easy! Bill Pay is easy to set up and use. A built-in Shortcut feature anticipates the payments you are likely to make based on your payment history and will suggest the Payee, amount, and process date based on your previous payments
Save time and money – Just think – no more trips to the post office to pay for stamps! If you pay 10 bills a month the "old-fashioned" way you're paying $52.80 or more a year. You also write (and order) fewer paper checks.
Stay organized – Your payment history is stored online so you won't have to file and sort through paper receipts. You'll have one location where you review and pay your bills – while at home, at work, or traveling.
Gain peace of mind – You can schedule payments in advance so you won't have to worry about paying bills when you travel. Bill pay reminders (email or text) are also available that notify you when it's time to pay your bill.
Is it secure?
Yes, Bill Pay and digial banking are secure as long as you keep your username, password, and Secure Access Codes private.
We are committed to protecting your privacy.
In addition to encryption, SSL (secure socket layer) technology, and automatic sign out if your session is inactive for 10 minutes, Bill Pay requires you to establish Challenge Phrases and will prompt you to authenticate yourself during select transactions.
Challenge Phrases are included in Bill Pay as an additional security measure. There are certain times in Bill Pay when a Challenge Phrase will be presented. The Challenge Phrase must be answered correctly to continue.
Occasionally you might enter an incorrect answer; after '3' failed attempts the system will be locked out. If you are locked out of your Bill Pay site due to an incorrect challenge phrase response, you will need to contact us at 800.242.2120. A representative will be able to unlock your account once you have provided information that verifies you are the account holder.
Bill Pay FAQ
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How do I delete a Bill Pay payee?
To delete a Bill Pay payee:
- Log in to your Visions online account
- Open Bill Pay
- Select the Options menu to the right of the payee name.
- Select Delete payee
Deleting a payee will delete all payments that are scheduled to that payee.
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How do I add a Bill Pay transfer account?
To add a Transfer account, first select Visit Bill Pay Site. Next, select the Transfers menu at the top of the page, then select the "+Account" button.
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How do I add a Bill Pay payee?
To add a payee, on the Bill Pay page (found in the left-hand menu) click the "+Add Payee" button.
If you have selected Visit Bill Pay Site to access the full bill pay pages, select the "+Payee" button on the Payments page.
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What are the Bill Pay payment transfer and payment limits?
Bill Payment transactions can be scheduled up to $50,000.00 per payment.
Transfers and email payments cannot exceed $2,500.00 per day.
Pay Person/Direct Deposit payment default limit is $1600 per transaction and $3200 per day.
Visit our Bill Pay page for more information.
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How do I retrieve a copy of a Bill Pay check?
Your Bill Pay check images are easy to access!
- Simply log in, access Bill Pay and select the Visit Bill Pay Site link.
(On Mobile - Select Options then Visit Bill Pay Site) - Next locate the payment in your History and select the View button to view the payment details.
- If the check has cleared, the Payment timeline will include a link to view the cleared check.
- You will be provided with a copy of the front and back of the check to print or save.
- Simply log in, access Bill Pay and select the Visit Bill Pay Site link.
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