Bill pay is a convenient way for you to pay all of your bills from one secure website. Just imagine no more handwritten checks, envelopes, or stamps. It's a great time and money management tool. There’s no remembering multiple passwords and jumping around to multiple websites to pay your bills.

Pay your bills in minutes! You can pay your first bill in two simple steps: Add a Payee (any merchant or person you need to pay) and Schedule a Payment.

Save on the cost of personal checks, envelopes, stamps, and trips to the post office. Not to mention recurring payments that can save on late fees and finance charges accrued by busy people who simply forget to make their payments.

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Is online bill pay free?
Yes! Online bill pay is free to our members who have a checking account and actively use the bill pay service.**

How do I enroll in online bill pay?
To enroll in online bill pay, you must first be enrolled in online banking. To enroll in online banking and online bill pay, please visit our online banking website and click on the "sign up" link on the homepage.

Is online bill pay secure?
Online bill pay is recommended by security experts as one of the safest ways to pay your bills. According to research, 90 percent of identity theft doesn’t occur through the Internet.* Identity thieves still use the tried and true methods of stealing mail or discarded trash. Combined use of online banking and online bill pay helps to protect consumers against identity theft and check fraud. For additional security, online bill pay requires 128-bit encryption and personalized log-in information.

How are payments sent?
Payments are sent two ways: electronic and paper check. On average, electronic payments are sent to more than 70 percent of payees. For payees who can only accept checks, the subscriber’s account is debited electronically and an authorized paper check is issued on behalf of the subscriber.

What are the benefits of electronic payments?
Electronic is the fastest payment method for subscribers and greatly reduces the risk of human error. Electronic payments are received by the payee within 2–3 business days.

What are the benefits of check payments?
Check payments allow you to pay anyone through your online bill pay account. No more postage or trips to the post office. Plus, checks payments through online bill pay are electronically recorded, may be stopped before 2 p.m. Eastern time on the date they are scheduled to process, and are virtually tamper resistant. The estimated arrival time for checks is based upon the payee’s zip code and is displayed while you schedule a payment.

Are online bill payments guaranteed?
Online bill payments are not guaranteed by the US Postal Service or Automated Clearing House Network (ACH). However, online bill pay offers a payment success rate of 99.99 percent and greatly reduces the risk of human error. In the event a check payment is not received, our online bill pay support will stop and re-issue the payment, as well as provide proof of processing to the payee. Online bill pay also provides a history of your payments and payment information is integrated directly into account statements.

When can payments be scheduled?
Payments may be submitted at any time, day or night. All payments should be scheduled according to process date and not according to due date. For example, payments should be scheduled to process before the actual due date. Estimated arrival times are automatically displayed during the scheduling process. We recommend scheduling first payments in advance to ensure timely delivery. Payments are electronically debited from your account on the process date. For same-day processing, please schedule payments before 3 p.m. Eastern time.

Who can I pay with online bill pay?
With online bill pay, you can pay virtually anyone with a current address within the continental United States, Alaska, Hawaii, and Puerto Rico.

What if I need more information?
For specific information or questions regarding our online bill pay service, please contact us at (305) 296-8546.

*Research gathered by Javelin Strategy & Research.
**Bill Pay accounts inactive for 90 days or more will be charged a $5.00 per month inactivity charge until the account becomes active or is canceled.