Online Bill Pay

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'
Q: How do I enroll for online bill payment?
A: Online Bill Payment enrollment is easy!

The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online enrollment. You will be asked to complete the enrollment form and read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the enrollment process from proceeding.

Once the disclosure is agreed to, and your enrollment form is confirmed and submitted, you are approved within minutes and can begin using online bill payment.
Q: When I add a new payee to my bill payment account, or change my payee account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.
Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: Yes, year end CDs which contain all bill pay activity for the year can be ordered for $25 within the bill payment system.
Q: Can I use online bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.
Q: When can I start using online bill payment?
A: You can begin once you have enrolled for online bill payment and receive an email stating that your bill payment is available.
Q: When is online bill payment available?
A: You can schedule payments 24 hours a day, seven days a week. Payments can not be scheduled to be delivered on holidays or weekends.
Q: Are my bill payment transactions reflected as Online Banking transactions?
A: All bill payment transactions become part of the Online Banking transaction history once the amount has been deducted from your checking account.
Q: How do I add new payees?
A: You can add payees by accessing the Make Payments tab and clicking on the Pay Someone New button. New payees will be added to the payee list immediately.
Q: Can online bill payment be used when I am out of the country?
A: Online bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.
Q: Is there a limit to the number of online bill payment accounts I can set-up?
A: Yes, you are limited to one online bill payment account. However, you can set up more than one funding account to choose from when paying your bills.
Q: Who can be paid using the online bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.
Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.
Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.
Q: What if I do not have sufficient funds on the day FIS, Union's bill payment provider, debits my account?
A: Following is a summary of the FIS Insufficient Funds procedure:

• A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to the Financial Institution.
• Upon the first return, FIS will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
• FIS will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.

Q: Are all debits and credits sent out at the same time?
A: Yes, they are all sent out at the same time.
Q: How is my account debited?
A: Your account is debited via ACH (Automated Clearing House).
Q: What is ACH?
A: Automated Clearing House (ACH) is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.
Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee.

If you select an electronic payee with the address that matches that indicated on the payment coupon, and FIS routes the payment incorrectly, then FIS will take responsibility for the late fee.
Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped. Stop payments can be placed on manual bill pay checks by contacting FIS at 1-800-823-7555.