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.

Expedited Bill Payments

Q: What is expedited bill payment?
A: Expedited bill payment will give you the option to send an overnight payment through Union's Online Bill Pay.
Q: Who can use expedited bill payment?
A: Expedited bill pay will be available for all online banking users who have online bill pay for personal online banking and business online banking.
Q: Do I have to sign up for expedited Bill Pay?
A: No, you do not have to sign up for expedited bill pay. As long as you are enrolled for bill pay, you will be able to make expedited bill payments.
Q: Is there a fee for using expedited bill pay?
A: Yes, there is a convenience fee that is charged to you.
Q: How much is the convenience fee?
A: There is a $5.00 fee for expedited electronic payments, and a $25.00 fee for an overnight check.
Q: How do I make an expedited bill payment?
A: If your payee accepts expedited payments, the option will be shown within the payments area at the top of the screen.
Q: How do I know if my payee accepts expedited bill payment?
A: The expedited bill payment option will be shown only when a particular payee accepts an expedited payment. If it is missing, that payee does not accept expedited payments at the time the payment is being made.
Q: Sometimes the same payee shows an expedited payment option, but other times it is missing. Why is this?
A: Payees have specific expedited cutoff times that vary between payees. If a payee has displayed an expedited option before, but is now missing, it is because the cutoff time to make an expedited payment to that payee has passed. The expedited option will not be displayed if it cannot get to the payee faster than a normal payment.
Q: Some payees have 2 options for expedited payments, but others only have 1. Why is this?
A: Not all payees accept both an expedited electronic payment and an expedited check. A payee may accept both, but may only display one, or no expedited options depending on the time of day that a payment is being made. Payees have specific cutoff times for different forms of electronic payments.
Q: Will I be debited for the bill pay and expedited fee at the same time?
A: No, you will see separate charges; one for the bill pay amount, and one for the expedited convenience fee. The convenience fee will be debited at the time the payment is initiated.
Q: Can I cancel or edit an expedited bill payment?
A: No, expedited bill payments are processed immediately and cannot be edited or canceled.
Q: Can I track my expedited payment?
A: Yes, overnight checks are processed through FedEx, and the tracking number will be provided to you in an email notification.
Q: How is the deliver by date for overnight checks determined?
A: This delivery date is provided by FedEx.
Q: How is my payment guaranteed to be delivered by the next business day?
A: Once your expedited bill payment is initiated, it is processed and sent immediately. If an expedited electronic payment is processed past due based on the end user-entered delivery date, you will be reimbursed the convenience fee and late fee, should one occur. This will only be refunded if the payment was lost, not sent on time, or delivered to the wrong location. If an overnight check is not delivered in time, you will have the convenience fee reimbursed only. The late fee will not be reimbursed.
Q: Why is the expedited bill payment option missing?
A: An expedited bill payment option will only display within a bill pay profile if that bill payment can arrive sooner than a standard electronic payment.*
*The payment type for a particular payee can vary depending on the time of day. In some cases, a payee can no longer accept an electronic payment after a certain cut-off time and have it delivered the next day. Therefore it would require the same amount of time as a standard electronic payment to be delivered. In these cases, the electronic payment option will not display. The cutoff times are controlled by the payee and may vary among payees.
Q: Can I send an expedited bill payment to Hawaii or Alaska?
A: No, overnight checks are unavailable for delivery in Hawaii and Alaska.
Q: Where can I go to obtain additional information about expedited bill pay?
A: For additional information please contact our customer service department or your local branch.