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Online Bill Pay FAQ's

Q: How much does Bill Payment cost?

A: Online Bill Payment is FREE!

Q: How do I sign up for Bill Payment?

A: You will need to sign up and log into Online Banking. Once successfully logged into Online Banking, click the 'Bill Payment' icon and fill out the online Bill Payment Registration form. Your registration will take from 1 to 3 business days to process. Once approved you will receive a welcome email stating you can now log into Bill Payment. Simply click the 'Bill Payment' button after you have logged into Online Banking.

Q: When can I start using Bill Payment?

A: After enrolling for Bill Payment you will first receive an approval via e-mail. Once your account has been enabled, you will receive an activation e-mail indicating that you may log on to your Online Banking session, and begin using Bill Payment.

Q: What frequency of recurring payments is allowed?

A: The frequency of recurring payments can be weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually and annually.

Q: How do I check the status of a payment?

A: Bill Payment tells you the status of your payment on the Pending Payments and Recent Payments column of the main page.

Q: How quickly is Bill Payment updated when a new payee is added or when a payment account number is changed?

A: When you update payee information, the new information is available immediately.

Q: When is Bill Payment available?

A: You may schedule payments 24 hours a day, seven days a week.

Q: How are Bill Payment transactions reflected on my checking account?

A: All Bill Payment transactions are reflected as an ACH debit on the account statement.

Q: How do I add new payees?

A: You add payees by using the Add Payee page.

Q: How long does it take to add a new payee to a payee list?

A: New payees added using the Add Payee page are added to the payee list immediately.

Q: How do I change a payee's information?

A: Only the Nickname and Account Number may be edited once a payee is set up. To edit these items:

1. Select Payees and your list of payees appear. 2. From the Payee list, select the checkbox to the left of each payee to be edited. 3. Click the Edit Payees button and information on selected payees appears. 4. Fields for Account Number and Nickname contain the current description - edit fields you want to change. 5. Click the submit button and a confirmation page appears with the updated information and a status indicating whether the change was successful or not. 6. Clicking the Continue button brings you back to the Payees page where you can confirm the change. Note: In order to change the name and/or address, the current payee must be deleted and a new payee added (all pending payments must be deleted first).

Q: What happens if sufficient funds (Non-sufficient funds of NSF) are not available in the account used for Bill Payment?

A: If a 'non-sufficient funds' condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your Bill Payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.

Q: Can I use Bill Payment internationally / Outside the U.S.?

A: Bill Payment provides you with peace-of-mind when you are traveling for an extended period of time. If you have Internet access with a secure browser, you may pay your bills while out of the country. However, payments may only be made to payees within the United States and territories.

Q: What do payees actually receive?

A: Electronic payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

Q: Who can be paid using the Bill Payment system?

A: Anyone in the fifty United States and territories who can accept a check, with the exception of tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.

Q: Can I pay my bills on the weekend?

A: You may set up your payments during the weekend. However, Bill Payment prohibits you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for Sunday are processed the day before. Therefore, when scheduling payments on a weekend, the first day you may schedule payments (single payment or the first of a recurring payment) is the first business day following the weekend.

Q: What is the lead-time for processing payments?

A: The payee will be in receipt of payment within three (3) banking business days for an electronic payee and five (5) banking business days if the payee is paid by check.

Q: How do I place a 'stop payment' on a bill payment?

A: A payment may be edited or deleted anytime before the payment is processed. For stop payment requests initiated after processing, you must contact a customer service representative at (843) 852-6400. Payments remitted electronically cannot be stopped.

Q: What if my account information is incorrect?

A: To change your address and phone number, you must Contact Us.

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