There are two basic steps involved in using Bill Payment to make online payments:
- Set up your payees
- Schedule payments
When you first begin using the service, add the payees to whom you want to make payments to your payee list. You only need to set up each payee once. Each time you make a payment, you just select a payee from your payee list. When you make a payment, you are specifying the date that you want the payment to be processed. We recommend that you schedule your payment date at least five business days before the actual bill due date to allow time for the payment to be delivered and for the payee to post the payment. For each payment, the Bill Payment processor determines the payment method based on a number of factors. If the Bill Payment processor issues a Laser Draft, no debit will occur - the check will process like one you would normally write from your checkbook. Once a payment is scheduled, it appears in the View Payments page, which lists your pending and historical payments. On the day of processing, an ACH debit is initiated that debits your account within two business days. In addition, the payment to the payee is processed. Since Bill Payment does not monitor your account with the payee, you must check with the payee to make sure the payment has been credited properly