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• What accounts at the Bank can I use to pay my bills? You may use any checking account, with the exception of a Money Market checking account, that you are a signer on to pay your bills.

• What bills can I pay? You can use the Bill Payment service to pay anyone you choose. It does not have to be a large company.

• When will my bills be paid? Your payments will be paid by the due date which you specify provided you have scheduled the payment at least seven business days in advance of the due date. Depending on the bill payee, the payment may be either paper or electronic to the merchant. The Bank recommends that you designate your payment date to be at least seven business days prior to your due date to ensure that the bills are received and processed on time.

  Please note that the Bank's Internet Banking reflects immediate "real time" account transactions. This means that as transactions are processed, the amount will be automatically deducted from your current balance.

• Does the Bank guarantee that my payment will arrive on time? Yes. If you schedule an online bill payment at least seven business days before the due date and you incur a late fee or penalty because the payment doesn't arrive on time, the Bank will reimburse you (up to $50) for any late fee or penalty you incur and work with you and the payee to resolve any issues associated with a delayed payment.

• When does the money to pay the bills come out of my account? The amount of the payment will be deducted from your account on the day you designate the bill payment to be paid.
  Are my bill payments with the Service secure?
  The Bank uses industry-standard security techniques to secure your payments through the Bill Payment service.

• Can I cancel payments?
  If the payment you want to cancel is still listed under "Pending Payments", then you can still cancel it. If the payment is not listed, it has been processed. In that case, please contact us.

• How is an Online Bill Payment account set up? Simply enter all your payee information online and begin paying bills immediately.

• How much will Bill Payment cost? Bill pay is free.

• Can I request a photocopy of a bill paid by check? Yes, however, a $5.00 charge will be charged to your bill payment checking account.

• How can I stop a bill payment that I have already sent? Contact Us, and we will issue a bill payment stop pay. A $15.00 fee will be charged to your bill payment checking account.

• Can I request a re-issue of a bill payment that I stopped payment on? Yes, however, a $10.00 charge will be charged to your bill payment checking account.

• Will payment be issued if funds are not available? No. The bill will not be paid until funds are available in the account. Overdraft protection will cover payments made through Bill Payment.

Other Questions

• Where do I find help in using Internet Banking? After you are logged in to Internet Banking, use the Help button to answer questions concerning account detail, transactions, transfers, bill payments, etc.
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  Is there a charge for using Internet Banking? No. The Service is free. Just another way we're working to make banking more convenient.