You can pay almost anyone in the United States: national bank card companies, mortgage or auto loan companies, department stores, your landscaper or the babysitter. If you are paying a small company and they do not accept electronic funds, your financial institution will send them a check for you.
However, individuals or businesses outside the United States and its territories are not eligible for Bill Pay services. Tax payments and court-ordered payments can be made with Bill Pay, but they are not covered by the CheckFree Guarantee.
If you are receiving an electronic version of your paper statement in your Online Bill Pay account, you can set up an eBill initiated automatic payment. This means Online Bill Pay will automatically pay your electronic bill when it is delivered. Remember, any changes made to an eBill automatic payment will take effect on the next eBill received. Click here for a step-by-step process.
A non-eBill automatic payment (also referred to as a recurring payment) allows you to simply pay a set amount at a set frequency for a set period of time. Click here for a step-by-step process.
How is cancelling an automatic payment (recurring payment) different than just cancelling a payment?
To cancel automatic payments, also referred to as recurring payments, sign into the Payment Center, select the payee, click on the "AutoPay" link and select "Stop AutoPay."
To cancel a payment, sign into to the Payment Center. On the right side of the screen, you will see Pending Payments, chose a payee, and click on the "Cancel" link. If the cancel link is not showing in the pending payment, the payment may already be in process. Call Online Bill Pay Support for assistance.
Thanks to the CheckFree Guarantee, you can be assured that your payments are safe and will be on time. You are covered for any payment-related charges (up to $50), as long as you scheduled the payment according to the service's terms and conditions. This means that the payment must be scheduled with a delivery date on or before the actual due date (excluding grace periods), with the correct address and account number.
Payments made for taxes, court orders, or as part of an investment are not covered by the CheckFree Guarantee.
To stop a payment before your deliver by date, sign into your Online Bill Pay account, go to the Payment Center. On the right hand side under Pending Payments, click on the "Change" link for the payment you'd like to change to edit.
If you'd like to stop your payment after the delivery date please call the Online Banking Support number with your payment details. An agent will advise if it is possible to stop or cancel your payment and if a fee applies for the stop payment request.
If your payee accepts electronic payments, in most cases the payment is made the next business day. If the payee only accepts checks, your payment will be sent out 3-5 days prior to your selected deliver date. This is the typical time it takes for the payee to receive the payment. When you enter an amount, Bill Pay automatically displays the earliest date you can select for the payee to receive the payment. You can either accept this date or change it to a later one.
Some companies may offer an expedited service for payments that need to be received as soon as possible. For these payments, the calendar will allow an earlier date to be selected and add a small fee to the bill amount. If you see this fee and did not mean to make an expedited payment, choose a later payment date.
The payment type is determined automatically by our system. One of the main factors is the way companies prefer to get paid. If a payment can be issued electronically, we attempt to do so because it is the most efficient method.
Payment types include:
Electronic: Payment is sent electronically prior to the Deliver By date. The funds for the payment are deducted from your account on the Deliver By date.
Corporate Check: This is a check drawn on our account and is mailed to your company or individual a few days before the Deliver By date. The funds to cover the payment are deducted from your account on the Deliver By date.
Laser Draft Check: This is a check drawn on your account and mailed to your company or individual a few days before the Deliver By date. The funds for the payment are deducted from your account when the check is cashed, just as if you wrote the check yourself.
You can see how your payment was sent by clicking on the "Activity" link. Under Recent Payments select the payment link to see method of dispersement.
eBills are electronic versions of your paper bills (where available) delivered directly to your Online Bill Pay account. You will no longer have to wait to receive your bills in the mail or sign into a company's site.
With most companies, you can choose to receive electronic bills or paper bills. If you want to receive both, you will need to request this directly from the company. Another option is to print your bills from your Online Bill Pay account.
If you pay an eBill through any payment channel outside of the eBill option, you will need to file the current eBill so that the status will read Paid.
To file an e-bill:
- Access your Online Bill Pay Account
- Click the Activity tab from the top menu bar
- Locate the payment that shows the status as Unpaid
- Click on View Details under the "Action" Section
- Click File Bill
- Select how the payment was made, and then click "File Bill"
- Click "Save Changes"
To cancel an eBill, select the company from the list, and choose the option to cancel electronic version of this bill. The eBill will be immediately cancelled and your biller will be notified.
Once you start receiving your eBill, you can set up automatic payments. Automatic payments are scheduled once the eBill is received, but you maintain the control to change the payment any time until the payment is sent
To set up an automatic payment, go to the Payment Center, select the payee, and chose "AutoPay." Once your automatic payment is set up, an AutoPay and eBill icon will both appear next to the company. You can set it and forget it!
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