Can I pay bills with my credit card?
No, the application only accepts payments from demand deposit ( checking) accounts.
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Can I pay bills using my savings account?
No, the application only accepts payments from demand deposit (checking) accounts.
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Who authorizes payments?
Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you.
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Can I use my regular checkbook?
Yes. We do not replace your checkbook. You can continue to write paper checks as you normally would.
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Do I have to pay the entire bill amount?
No. You decide the amount you want to pay towards each bill. You are not obligated to pay the amount due. As an added feature, you can use the Personal Notes tool to attach reminders to your bill indicating the reason the entire amount was not paid (dispute with the payee, etc.)
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Where do you send my payment?
We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent.
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How will I know when a payment has been sent?
To verify that a payment has been sent, log in and click history and check status box.
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How are payments issued?
Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee’s capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.
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What happens if I do not have enough money in my checking account to cover a bill?
We issue standard, approved payments against your checking account. Just as with a paper check, you have to maintain sufficient funds in the account to cover all payment obligations. We are unable to notify you if you have insufficient funds. Please note that you may be charged an NSF fee for payments that are returned for insufficient funds.
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What happens if a bill is paid late?
In the highly unlikely event of a payment error (where we are at fault), we will pay any penalty fees imposed by the payee.
We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send on date that is at least 5 business days before a bill due date. This will allow a paper check issued on your behalf to arrive at your payee on time. For payees who accept Electronic Funds Transfers, you should schedule the payment 3 business days in advance of the due date. However, you should be sure that your checking account is funded on the day you issue payment, as some EFT payments are posted to your payee’s account on the same day.
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How do I cancel a payment?
To cancel a payment, click on the Cancel link in your Pending Payments section. You can choose to cancel a payment up until 8:00 PM CT on the night prior to the date you scheduled the payment to be sent. For example, if you have designated that your payment should be sent out on the 10th, you can cancel the payment up until 8:00 PM CT on the 9th. You cannot cancel a payment on the designated day a payment is to be sent.
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Are there any payments I can’t issue?
Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged, but may be scheduled at your own risk:
- Tax payments to the Internal Revenue Service or any state or other government agency
- Court-ordered payments, such as alimony or child support
- Payments to insurance companies
We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you’ve scheduled.
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Can I pay multiple bills?
Yes, when you click the Make Payments link you will see all of your Payees and your most recent payment. On that screen you can enter the payment amount and the date the payment should be sent. Once you’ve entered all the information, just click Make Payments at the bottom of the screen and your payments are scheduled.
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What are personal notes?
Personal notes are reminders you can add to any payment or filed item. Common uses for a personal note include reminders about why a payment was made, why the entire amount was not paid, or if there is a dispute with the payee. Personal notes are completely private, and can only be seen by you.
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Do I have to attach a personal note when filing a bill?
Personal notes are a convenient method of recording payment reminders, but you do not have to attach a personal note to every bill you pay or file.
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Can my payees see my personal notes?
No. Unlike the memo field on a check, personal notes are completely private, and can only be seen by you. In contrast, the memo field on a check is printed right on the check for the purpose of making an additional note to the payee.
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What is EFT?
Electronic Funds Transfer, or EFT, allows us to send payments to your payees electronically, rather then cutting and mailing a paper check. EFT payments are especially advantageous because your payee receives payment faster than with a paper check, and there is no risk of a check getting lost in the mail.
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Are EFT payments safe?
Just like Payroll Direct Deposit, EFT payments are extremely safe. All payment information is encrypted with 128-bit SSL and sent through a secure communications channel. Information cannot be redirected, read, or tampered with.
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What if a scheduled payment falls on a Saturday, Sunday or a holiday?
If a payment is scheduled for Saturday, Sunday, or a holiday, bill pay will attempt to pay the bill on the first business day before the scheduled day. Holidays include the following:
- New Year’s Day
- Martin Luther King Day
- President’s Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving
- Christmas
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How can I cancel my account?
Click on PowerPay Enrollment and follow instruction to Cancel bill payment.
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How do I add a payee?
To add a new payee to your account, click the Add payment link. The add Payee page will appear with instructions for adding the payee.
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