Web Bill Pay FAQ
 
  • How do I access the Web Bill Pay service?
  • What credit union services must I have to enroll in Web Bill Pay?
  • How do I enroll in the Web Bill Pay service?
  • How much does the Web Bill Pay service cost?
  • Are there other fees associated with this service?

  • What equipment, software, and/or connections do I need to pay bills?
  • Is my account and payment information safe?
  • What if I have questions or need help?
  • Can I test the Web Bill Pay service before I enroll?
  • How many days does it take for my payment to reach the biller?

  • How do I know which dates I can use for sending my payments?
  • When will the money for my payments be deducted from my Checking account?
  • Who can I pay with Web Bill Pay?
  • Can I transfer money between my UCU account and my accounts at other financial institutions?
  • Can I view bill payments that have been made and change scheduled payments?
  • Do I need to notify the payees I decide to pay with Web Bill Pay?

  • How do I place a stop payment on a payment?
  • What is an E-Bill?
  • How long will my E-Bill statements remain on the Web Bill Pay service?
  • Is an E-Bill the same as E-mail Payments?
  • Can I download my payment transactions into Quicken® or Microsoft Money®?

  • How do I cancel Web Bill Pay?
  • What is the Web Bill Pay Guarantee?

    How do I access the Web Bill Pay service?

    To access the Web Bill Pay service, you must first sign in to Home Branch and click on the Web Bill Pay login button to enter the service.

    First-time users will be asked to register for the service. Information from your UCU account will be used to fill in most of the information. Please complete the remaining sections of the form, review the agreement and submit. Once you have registered, you can begin entering bill payees to set up payments.

    What credit union services must I have to enroll in Web Bill Pay?

    You must maintain a University Credit Union Checking account and be enrolled in UCU's Free Home Branch online banking service. Bills can only be paid from a UCU Checking account (funds cannot be accessed from savings or money market accounts).

    How do I enroll in the Web Bill Pay service?

    When you sign in to Home Branch, click on the Web Bill Pay Login button for Web Bill Pay. Read the information about the Web Bill Pay service. You will be directed to an enrollment page where you must verify your information, enter your phone number, enter your e-mail address for information notification, and agree to the Terms and Conditions.

    After you click on the Enroll button you will be asked to enroll in the E-Mail Payments program of Web Bill Pay. This is the service that allows you to e-mail payments to others. If you do not sign up at this time, you have the ability to sign up later. The E-mail Payment service comes with Web Bill Pay and has no additional usage charges.

    You will then be sent to the Web Bill Pay home page so you can begin paying bills.

    How much does the Web Bill Pay service cost?

    University Credit Union's Web Bill Pay service is free of monthly charges for primary checking accounts* up to 18 payments per month (payments start counting each month based on your enrollment date anniversary). Any payment made per month over the 18 free payments will cost an additional $.40 per payment.

    Members with Second Checking accounts will be charged $5.95 per month, which includes up to 18 payments per month. Any payment made per month over the 18 free payments will cost an additional $.40 per payment.

    Any charges for Web Bill Pay use will be automatically deducted from your University Credit Union Checking account monthly.

    *If the account is unused during the monthly billing period, there will be a non-usage fee of $5.95 per month.

    Are there other fees associated with this service?

    Special services or insufficient funds associated with transactions using Web Bill Pay will incur processing charges. These fees will be charged in addition to any fee charged by University Credit Union.

    Insufficient Funds (NSF) Fee, each - $22.00 (Web Bill Pay's charge for an NSF payment does not include University Credit Union's charge for an NSF payment)

    Stop Payment Fee, each - $17.50

    Overnight Mailing Fee - $17.50

    Next Day Check Payment Fee, per item - $15.00

    Same Day Payment, per item - $12.95

    Account-to-Account Transfers, each - $3.00

    Copy of Corporate Check, each - $17.50

    Any fees for Special services or insufficient funds on Web Bill Pay will be automatically deducted from your University Credit Union Checking account at the time of the transaction.

    Please consult the University Credit Union Schedule of Fees and Charges for fees that could be charged due to activity on your University Credit Union account.

    What equipment, software, and/or connections do I need to pay bills?

    You will need to have a browser installed on your PC, which is capable of 128-bit U.S. security encryption. This is sometimes referred to as 128-bit strong encryption. If you do not have sufficient browser encryption you will receive an "Insufficient Browser Encryption" error message when you try and log on to BillPay. In addition to the error message, you will be provided with links where you can obtain the required browser versions.

    Is my account and payment information safe?

    Yes, Web Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection. The system also uses 128-bit encryption to make your information unreadable as it passes through the internet.

    What if I have questions or need help?

    If you have questions or need help with using the system (setting up merchants, paying a bill, starting a payment investigation, etc.) after you are enrolled, there is an extensive help section within the system that should help answer many of your questions without requiring a call. If you have further questions, you can call the Web Bill Pay Customer Service, available 24 hours a day, 7 days a week.

    Can I test the Web Bill Pay service before I enroll?

    Yes, click here for a full demo of the service.

    How many days does it take for my payment to reach the biller?

    Some companies let you send payments on the same day or the next business day, depending on the time of day when you enter your payment information. For most bills, it can take two to four business days to send the payment.

    For this reason, it is recommended that all scheduled payment dates selected by you be no less than five business days before the actual due date (not the late date and/or a date in the grace period) If you properly follow the procedures described herein, and the service fails to send a payment according to the payment instructions received, the service will bear responsibility for any late charges. In any other event, including but not limited to choosing a scheduled payment date which is not five business days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties, is yours

    How do I know which dates I can use for sending my payments?

    The helpful calendar icon will display the dates you can select for sending your payments.

    When will the money for my payments be deducted from my Checking account?

    A payment amount transacted through Web Bill Pay will post no sooner than the payment date you set up for that payment. A payment amount may be deducted later, but in most cases they will post on the payment date you selected.

    Who can I pay with Web Bill Pay?

    You can pay anyone in the United States that you normally would pay by check (these can include payments to a relative, friend, or any vendor), with two exceptions: state and federal tax payments and court-ordered payments (i.e., child support).

    Can I transfer money between my UCU account and my accounts at other financial institutions?

    Yes. Account to Account Transfers will allow you to electronically transfer money securely between your UCU account and your accounts held at other financial institutions. You can make one-time transfers or schedule recurring transfers, up to one year in advance. There is a $3.00 fee, per transfer. Just look for the "Transfer Money" tab when logged into Web Bill Pay to get started.

    Can I view bill payments that have been made and change payments that I have scheduled?

    All payments that have been processed and all scheduled payments will appear on one easy-to-read page. For payments that have been scheduled but not yet processed (processing occurs four days before the schedule payment date), you will have the ability to edit or delete a scheduled payment.

    Do I need to notify the payees I decide to pay with Web Bill Pay?

    No, your payments are sent with your payee account number and payee information, so the payees are able to credit your account appropriately. It may take a few days for a payee to update your payment information.

    How do I place a stop payment on a payment?

    You can cancel your scheduled payment requests before they are processed by clicking the "Cancel" tab in the Web Bill Pay site. If the item has started processing, our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. To activate the "stop payment" of a payment already processed, you must call Web Bill Pay Customer Service prior to the payment date you scheduled for the payment. If the payment date has passed you may also call Web Bill Pay support or email them by clicking on the "inquire" button next to the payment in the Payment History screen. We may not have a reasonable opportunity to act on any stop payment request on a payment that has already been processed. If you determine that a check from your account was mailed for the payment, you may also call the CREDIT UNION. We will need to know the check number, dollar amount, and payee. This information is available in the Payment History screen by clicking on the "view" button next to the payment.

    What is an E-Bill?

    Some payees offer to send their statements or invoices electronically instead of being mailed in paper format. If your billers allow this, you can view your E-Bills on the Web Bill Pay site. However, if you choose to receive E-Bills, depending on the merchant, you may still receive a paper bill, as well as an electronic one.

    How long will my E-Bill statements remain on the Web Bill Pay service?

    For convenient reference, E-Bill statements will remain on the Web Bill Pay site up to six months.

    Is an E-Bill the same as E-mail Payments?

    No. E-Bill service will deliver each month's bill to your Web Bill Pay account. E-mail Payments are when you send money by e-mail to another person's financial institution.

    Can I download my payment transactions into Quicken® or Microsoft Money®?

    You can export information about your payment transactions into either a QIF (Quicken Interchange Format) file for Quicken® or an Active Statement file for Microsoft® Money.

    How do I cancel Web Bill Pay?

    Go to the "My Profile" section and click "Service Setup" at the top of the page, then click "Cancel Your Service" at the bottom of the page. Be aware that you will no longer have access to your "Payment History" section, payees are notified to no longer send e-bills, and scheduled payments will not be paid, but processed payments will be paid.

    What is the Web Bill Pay Guarantee?

    Rest assured that your online payments processed through Web Bill Pay will be executed safely and reliably. The two-part guarantee provides protection from unauthorized transactions, and limits your liability for late-payment-related charges due to processing delays, so long as the payment is scheduled in accordance with the service Terms & Conditions.


  • revised 05/05/2010