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What is Electronic Bill Pay?Electronic Bill Payment is an integrated service available with any Internet Banking product or stand-alone that allows users to pay their bills online. The Bill Pay module allows users to quickly and easily set up bill pay relationships, schedule and make payments, and view payment history. Bill Pay is the most convenient service to be introduced since ATMs. As a subscriber, you can pay any bill online 24 hours a day, 7 days a week. How do I get started?The first thing you'll need to do is organize all of the information about any individual, family member, friend, business, merchant or professional who generates an invoice for products or services that you want to pay through Bill Pay. Gather together the names, billing addresses and your account number with the company or individual (phone numbers are appreciated if available). Next, click on the Bill Pay button within Internet Banking. How soon can I start making payments?Please allow 2-3 business days for your enrollment form to be processed and for you to receive confirmation in the mail. Your welcome letter will contain all the information you need to begin making payments. Is there anyone I cannot pay through Electronic Bill Pay?Only government taxing authorities or court-directed payments, such as alimony and child support, cannot be paid through Electronic Bill Pay. No payments can be made outside the United States. There are limitations on payments to security companies such as Ameritrade for stock purchases or trade. Should the processing date I give be the date the payment is actually due?No. You need to allow at least five (5) business days for payments to reach your payee. Be sure to remember that, although you can schedule a payment at any time, payments are actually sent to payees only on business days. How far in advance can I schedule a payment?You can schedule a single payment for up to sixty (60) days in advance. How soon are funds actually taken out of my account?Bill payments are debited from your account on the processing date you requested for electronic payments. Payments made by check will clear the Bank when the item is presented. What happens if I don't have enough money in my account to cover a bill payment?If funds are not available on the requested processing date, your bill payment may be canceled. If you access a bounce protection limit, you may be charged (an) NSF fee(s). What is the difference between a variable/single bill payment and a recurring payment?A variable/single bill payment is a one time payment such as your telephone bill where the amount fluctuates each time. Or perhaps it is a payment you do not make regularly, such as a florist you use only occasionally. A recurring payment is one made regularly for the same dollar amount, on the same day each month such as your car or mortgage payment. You need only to set up a recurring payment once in the system and only revise the payment when the amount is to be changed or canceled. Otherwise, your recurring payments will be made automatically. When and how are my payments delivered and how can I ensure that my payee receives my payment by the due date?You may schedule payments to be initiated on the day you enter the information, on a future date or on the same date each month. Although you can enter payment information 24 hours a day 7 days a week, payments can only be initiated on business days. After funds are withdrawn from your account, we may remit your payments by electronic funds transfer, or if the biller does not accept electronic payments, by mailing your payee a check drawn on an account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be at least five (5) business days before the bill's actual due date. Why does it take up to five business days for payments?Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. mail. Once the check is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your account to be posted. How close to the original payment date can I change or cancel a bill payment?You can change or delete a bill payment up until 12:30 p.m. EST of the processing date you originally gave us. What should I do if a payee has not posted my payment?First, be sure to allow enough time for a payee to receive your payment. If a payee does not post your payment within five (5) business days of the date you requested the payment be processed, contact the payee to verify that the payment has not posted since the last statement date. If the payee verifies that the payment has not posted, and it has cleared your account, you will want to supply the payee with a check copy. If your payment has not cleared your account you may choose to wait a few more days to allow the payee to post the payment, or you can order a Stop Payment and re-submit your payment to the payee. If you need assistance simply contact The Tattnall Bank at 912-557-4381. How can I prove payments and transfers were made?Each time you enter a payment you are given a transaction number so you can be sure we received your request. In addition, payments will appear on your monthly statement. Or, you may call the Bank if you are unsure if a payment has processed. How do I pay for my Electronic Bill Pay service?Bill Pay is FREE when you pay from your Club Checking Account. Club Accounts include New Outlooks Club, New Outlooks Club Senior, and New Outlooks Club Now Accounts, and Classic I and Classic II Club Accounts. When paying from a different checking account, the monthly subscriber fee of $4.99 for 10 transactions and $.25 for each additional transaction will be automatically withdrawn from the account you designate for bill paying on day 1 of your anniversary date. How can I cancel my Bill Pay serviceTo make sure no payments are missed or duplicated while you're taking over bill payment yourself, you will first need to delete any pending scheduled payments. Then contact the Bank and we'll be happy to take your request. What if I have a question and want to talk to a real person?You can contact The Tattnall Bank during our normal business hours at 912-557-4381. How can I be sure no one else can access my bill paying service?You will access the system by entering the SUBSCRIBER/USER ID and PIN chosen by you. Only individuals with this information can access your account. Be certain not to release this information to anyone you do not want to fully authorize as a user on your account. SAFE GUARD! SAFE GUARD! How secure is the Bill Pay process?When a subscriber comes to the Bill Pay site a secure connection is established that prevents any outside parties from viewing transaction information. Any data that is transferred between locations is also made over secure connections utilizing data encryption, and all account information is kept behind a firewall to prevent any outside access. If I currently have an automatic debit for a bill coming out of my checking account, should I cancel this debit and use my new bill pay program?It is recommended that you NOT cancel any auto debit UNLESS your new bill pay program has the ability to electronically remit this payment to your merchant. To determine if your merchant is electronic with your new bill pay program, simply call the Merchant to verify that they will receive the payment. Merchants who have their own debit program will often times not ALLOW 3rd party processors to remit payments to them. Our main concern is that your bill be paid in a timely manner and safely. Some typical merchants are, Insurance companies, Utility companies and Mortgage companies. How do I order a Check Copy?First verify that the check has cleared your account by checking your history in Internet Banking. To order a check copy, call your Bank just as if you would if you had written the check by hand from your own checkbook. How do I order a Stop Payment?You can place a Stop Payment on any check that has not cleared your account. To check the status, refer to your history in Internet Banking. To order a Stop Payment, call your Bank as you would if you had written the check yourself. My payment was paid by check but the funds have already been deducted from my account. Why would that happen?There are special circumstances for payments that are sent out as a check, but debited from your account. At the time of processing, the Merchant you selected to pay was electronic. When your payment was processed, the funds were removed from your account at that time. The Merchant may have decided that they cannot receive electronic payments and remove themselves from the Bill-payment Electronic List. In the short time between processing and producing the payment, the Merchant may have switched to check delivery. Since we would have removed the funds from your account for the electronic payment, the Bill-payment Service will send your requested payment as a check. All future payments will be processed with check delivery and the funds will not be deducted from your account at the time of processing. How often will bill payments be processed?Bill Payments process once daily, excluding Saturday, Sunday and Federal holidays. What methods are used to send payments?Electronic payments are sent through an electronic delivery system and paper-based payments are sent through a national mail system. Can I choose the payment method?No. If electronic payment is available it will be indicated in the Payee address window in the online banking software. Whom should I contact if I have a payment inquiry?Users should contact the Bank. Why hasn't my payment posted, it's been six days?It can take up to six business days for the Payee to receive the payment. How long the payment takes to post will vary by Payee. Each Payee has its own policies and procedures for processing and posting payments. How do I know if the Payee is electronic?The address field will read: “ELECTRONIC PAYMENT DELIVERY” Why are there so many Payees with the same name with different addresses?Regional and local offices accept payments for their area only. How do I add a new payee?You may add merchants or individuals any time by clicking on the "Set Up Accounts" button on the Internet. |
