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Bill Pay is a service that allows you to have money sent from your checking account to almost anyone. We call the service Bill Pay because paying bills is the most popular use of this internet payment service. But you can even send money to your kids away at college, or send a gift of money to someone across the country. You set up the information about who you want paid once, and then never have to worry about taking the time to address an envelope, buy a stamp, or make a trip to mailbox.
2.
What do I need to start using Bill
Payment?
You will need to have access to Community State Bank's Online Banking service and have a Community State Bank checking account. There is a Online Bill Payment Agreement/Disclosure for you to read, sign, before proceeding. When we receive and approve your online application you will have a "Bill Pay" button appear when you Log On to Online Banking. If you are not a current Online Banking customer, you will also need a password. You can use your Dial Direct password, or contact your nearest office location or call 262-878-3763 to ask for one. You
will also need Internet access using Internet Explorer 6.0 or Netscape
Communicator 7.2 or greater with 128-bit strong encryption.
If you need to upgrade your browser, you can do that now: Before you begin, read the Online Bill Payment Agreement/Disclosure. There is also an Online Banking Terms & Conditions page available for your reference. To access internet banking, click on the Online Banking link found on the Community State Bank's homepage or log in at the top of each page throughout this website. You will then see a "First Time Users" button for you to use. Complete the information as requested on the screen:
After this First Time entry to Online Banking, you will simply Log In using your Access ID and your new password.
3. Is Bill Payment secure?The
server that stores your Community State Bank account information
uses Secure Sockets Layer protocol (SSL). This security encrypts
the data sent making it difficult to see your information.
In other words, your information is sent in a scrambled format.
To ensure that the information is being sent from a secure
server, the address will start with https:// rather than http://
and you will notice that you are receiving the information from
an SSL server securely if you see a closed padlock at the
bottom of your screen like this:
4. Who can I pay using Bill Pay?Bill Pay allows you can pay virtually any business or individual in the United States. The only types of payments that are not allowed are tax payments and court ordered payments. You can set up a one time payment to your nephew as a birthday gift or to your mechanic for a car repair, for example. Or choose to set up regularly scheduled payments to an individual (like a babysitter for child care), or a business (like a rental agency for your rent).
5. How do I add a payment?After you Log On to Online Banking, click on the "Accounts" button, then click on the checking account number from which we will be paying your bills. After the bank receives and approves your application, you will see a "Bill Pay" button to give you access to Bill Pay. This screen will show your Scheduled Payments that have been set up. To set up a new payment, click on "Setup New Payment" toward the bottom of the page. Have a copy of your bill available when you setup a new payment. The screen will indicate the information we need to ensure that your payment is made correctly and on time. This is the information you will need to set up a payment; the required information is indicated by an asterisk (*):
6. How long will my Payees stay on Online Banking?Your Payee information will stay in your Scheduled Payments for at least one year after the last payment was sent. Once you set up a Payee, you can use that information to make more payments by editing the payment instructions.
7. I have a joint account. Can we both use Bill Pay?All owners on a joint account will have access to Bill Pay and will need to complete an application. Owners of an account will need to sign on to Online Banking with their own Access ID and Password.
8. How does Bill Pay work with the automatic debit payments (ACH) I already have paid from my checking account?Automatic
debits between your account or from your account to someone outside
of the bank are the most cost effective and efficient way to transfer
your money. There is no charge for using ACH (Automatic Clearing
House) to automatically make payments to the utility or phone company,
for example. If automatic withdrawal from your checking account
is available from your service provider to pay your bill, you should
choose that method before Bill Payment. There is a charge
to use bill payment, but it is a great alternative to writing a
check when ACH is not available from your Payee.
9. How much does the Bill Pay service cost?Community State Bank's Bill Pay service is free as long as you have Direct Deposit with your checking account.
10. When do my Bill Pay transactions appear on Online Banking?You will see your payments scheduled to be paid as soon as you complete the "Setup New Payment". The funds are taken out of your account on the date you requested the payment be initiated. You can expect your Payee, or recipient of the funds, to receive your payment approximately five (5) business days later.
11. How do I cancel a Bill Pay?You may edit the amount, date, frequency, number of remaining payments, description, and account number by clicking on the name of the Payee on any pending payment. A payment that has reached the Payment Date cannot be cancelled. See your Online Banking Bill Payment Agreement for more details.
12. How much notice does the bank need to send the payment?You may set up a payment request up to one year in advance of the date you would like the bank to begin initiating the payment. However, please allow at least five (5) business days before the due date for payments to be made. Using a calendar, note your payment due date (not including any grace period), count backward at least five (5) business days (skip holidays and weekends). The cut-off time for the business day is 5:00 p.m. C.S.T. so if you're setting the payment up after this time add one extra day. The bank will process the payment based on your instructions on the processing date (see Online Bill Pay Banking Agreement for details) and the funds will be withdrawn from your account. Payments are made by check, which are mailed to the Payee through the U.S. Mail on the business day following the processing date. Because vendors have a check mailed to them, you can expect your Payee to receive your funds by the fifth business day after you initiated the payment. Some vendors take longer to process payments that do not use the return envelope or remittance stub they provided with their bill. In these situations you will need to initiate your payment earlier to ensure a timely payment. These Payees may require an extra seven (7) business days or more to process these payments. We suggest you read your account agreements provided by your vendors or contact them for details to determine your payment initiation date.
13. What happens if I don't have enough money in my account for a payment I've set up?The available balance in your checking account will automatically be checked before a payment is sent. The payment will not be sent until there is enough money in your account. If there is not enough money in the account for the payment, your account will be checked each business day until there are sufficient funds to complete the payment. To ensure your payment does not arrive late, it is important that the funds be available on the Payment Date. The only record of whether your payment was sent as scheduled will be your current account statement. You are responsible for verifying the payment was completed as instructed. For more information, refer to your Online Banking Bill Payment Agreement. |
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