Bill Pay is a state-of-the-industry electronic bill payment solution that supports one-time and recurring payments to anyone or any entity in the United States. This sophisticated solution provides the ability to initiate and remit same-day payments, enables both retail and commercial businesses to retain their funds until electronic payments clear, and strictly enforces the industry’s highest security standards. Bill Pay leverages the power and convenience of the Internet to provide greater control and online service 24/7/365.
Payments submitted, recurring or one time, before 3:00 AM EST Monday-Friday will be processed at 3:00 AM EST. Payments submitted between 3:00 AM EST and 1:00 PM EST will be processed at 1:00 PM EST. Payments received after 1:00 PM EST on Monday-Thursday will be processed the next business day. Payments received after 1:00 PM EST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.
If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.
Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.
Yes. You will need to contact the bank for this information.
Payment history for active and deleted payees is retained and viewable 19 months.
For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted.
For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 3 a.m. processing. If the check payment is entered before 1:00 PM EST, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.
Please note that we have no control over the U.S. Postal Service.
Electronic payments are validated against the available account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through Bill Pay. You are limited only by the amount of funds in your account.
At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.
Only check payments can be stopped after the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.
You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.
Processed - The payment has been processed and sent.
Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.
NSF payments will keep trying until one of the following happens: the funds become available; if it’s a recurring payment and it expires, or if you delete the payment.
Communication Failure-There was an error due to communication problems. The payment will try again during the next processing run.
Vendor Refund - Payment rejected at the electronic vendor.
There is no limit to the amount of payees you can set up through the Internet.
No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.
Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.
You can set up payments in any of the following frequencies:
You may edit the dollar amount the next business day after the scheduled payment date.
If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.
Yes. Just set the payment date for a valid future date.
Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.
No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.
For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 1:00 PM EST. Electronic payments submitted after 1:00 PM EST are debited the next day during bill pay processing.
CHECK payment funds are debited from the account when the check clears your account at the bank.
CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
You may add, edit, or delete a payment up to 3:00 AM EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 AM EST and Noon CST it may be edited up until 1:00 PM EST.
Use your personal computer to check account balances and retrieve historical information, transfer funds and make loan payments, and much more.
While there is no guarantee any amount of additional security will prevent you from being victimized, by being aware of what you share will build another line of defense between yourself and criminals. Click Go to see tips to keep your identity safe!
With roots that have grown for over 110 years, First National Bank stands strong. Since 1904, we have been dedicated to growing a strong, lasting and prosperous community. Your Family, Your Future,Your Bank, is not just our slogan, it's who we are!