|
Q: How do I signup
for Bill Payer?
Q: Why should I use Bill Payer?
Q: Can I use Bill Payer to pay my SCCU
loans?
Q: Whom can I pay?
Q: How long does it take for my payment
to reach my creditor?
Q: When does SCCU take the money out
of my account?
Q: What happens if I set up a payment
but I do not have the funds in my account?
Q: What computer equipment is required
to use the Bill Payer?
Q: Can I stop payments?
Q: Can I view the payment history for
a specific vendor?
Q. Whom do I contact for help?
Q. How much does Bill Payer cost?
Q. Why did I get a message saying that
my payment was returned due to an invalid address?
Q. I'm having trouble adding my payee
phone number. What could the problem be?
Q: How do I signup for Bill
Payer?
A: You must have a User Name and Password to access
Online Banking. If you are already using Online Banking,
login and click the Pay Bills tab at the top
of the page. You will be prompted to read and accept the Bill Payer
disclosure form.
Q: Why should I use Bill Payer?
A: Bill Payer eliminates the chore of writing out
checks (which means purchasing less checks, too), buying stamps,
and running to the post office.
It works with SCCU's checking and money market checking
account and you can pay virtually any creditor or merchant in the
United States.
Q: Can I use Bill Payer to
pay my SCCU loans?
A: While you are able to use Bill Payer to pay
your SCCU loans, it is faster to use the Transfer Funds feature
within Online Banking. By using Transfer Funds, the money can be
debited from your account and applied to your loan on the same day
if you wish.
Q: Whom can I pay?
A: You can pay virtually anyone in the United States who you would normally use a check to pay or send funds such as your local lawn service, or your out-of-state college student in need of cash.
Q: How long does it take for
my payment to reach my creditor?
A:SCCU processes the payments you make through
Bill Payer in two ways. The first is through electronic funds transfer.
Your creditors who are paid in this way receive your payment and
payment information (including account number) through a direct
computer link. Creditors who are set up to receive electronic payments
and usually receive your payment and debit your account within two
business days.
Such vendors include FPL, Bellsouth, and Cingular Wireless.
The second method of processing payments is through
a check, issued by the Processing Center in your name, to the payee
you have designated. These checks include your name, address and
account number. These checks are sent through the mail. Creditors
who are set up to receive mail payments usually receive your payment
within 8-10 business days.
Note: We routinely pursue the conversion
of paper check payees to electronic payees, based on the number
of members who have a particular payee and the capability of the
payee to accept electronic payments.
Q: When does SCCU take the
money out of my account?
A: If your payment is sent electronically, the
funds will be debited from your account after our processing time,
which occurs at 10pm each evening.
If your payment is sent by check, the funds will not
be debited from your account until the check has cleared. This can
take from several days to several weeks depending on the particular
payee and the time it takes them to cash the check.
Q: What happens if I set up
a payment but I do not have the funds in my account?
A: Using Bill Payer is just like writing a check.
You must have sufficient money in your account. SCCU will make only
two (2) attempts to process the scheduled payment. Each attempt
will result in an NSF fee of $29.00 if there are insufficient funds
in your checking account.
Q: What computer equipment
is required to use the Bill Payer?
A: You will need to access the Internet via an
SSL-compatible web browser such as Netscape Navigator version 6.0
(or higher) or Microsoft Internet Explorer version 5.0 (or higher).
Q: Can I stop payments?
A: If the payment has not been sent yet, the payment
request can be deleted by selecting Pending Payments from the Pay
Bills section, selecting the Edit/Cancel link for that payment and
choosing the "Delete this payment" button. This will delete the payment
request.
Once a payment has been sent, it will be processed
according to standard procedures. Only payments made by a check
(not electronically) to vendors may be stopped. Electronic payments
cannot be stopped. If you choose to stop a payment, your account
may be assessed a $15 stop payment fee.
Q: Can I view the payment
history for a specific vendor?
A: The Payment History page lists your payments
for the past 365 days. You may sort the list by ID#, Payee, Sent
Date, From Account, Status or Amount by clicking on the appropriate
column header.
To send an inquiry on a payment, click the 
icon and complete the inquiry form. Once submitted, a Member Service
representative will respond via Secure Message. You will be notified
that you have a new message when you log in to Online Banking.
Note: You can also set up an alert,
which will send you an email to your personal email address of choice
to let you know when a secure message is waiting for you. To set
up an alert, Log in to Online Banking and click the Alerts tab.
There you can set up alerts for secure messages, transaction notifications
and balance notifications. See the help section in Online Banking
for more details on setting up an alert.
Q: Whom do I contact for help?
A: You have several options available to you. Bill
Payer contains an easy-to-access Help feature. This is a quick way
to find information, such as how to perform a particular task. You
can also send us a secure e-mail by clicking the Contact Us link
at the top of the Online Banking page, or contact Member Services
at (321) 752-2222 (Brevard) or toll free at 800-447-7228, option
5.
Q: How much does Bill Payer
cost?
A: Bill Payer is now FREE - no
monthly charge!
- Basic, Silver and Gold - the
first 20 payments free, then .40¢
per payment over 20 payments per month
- Platinum – no
per payment charge
Q: Why did I get a message
saying that my payment was returned due to an invalid address?
A: Companies occasionally change their payment
delivery address and this may cause your payment to be returned.
If you receive a message stating this, you should contact the company
that you were attempting to pay and verify the payment address with
them. If their address has changed you will need to edit the payee
in Bill Payer with the correct address.
Q. I'm having trouble
adding my payee phone number. What could the problem be?
A: When adding a phone number in a payee record,
please eliminate any characters other than numbers. Example: 18005551212,
not 1-(800)-555-1212
|
