Bill Pay
Q: How do I access the Bill Pay service?
A: If you are currently a CU-Online or Cloverbelt CU Mobile Banking app user, simply log in and select Payments on the menu. If you are not currently a user of these services, visit our website www.ccuwausau.com or download and install the Cloverbelt CU Mobile Banking app and follow the prompts to enroll.
Q: Is there a fee for using Bill Pay?
A: No, our Bill Pay service is free. However, after 6 continuous months of inactivity your Bill Pay access will be terminated.
Q: Are there restrictions on who I can pay?
A: Yes. You can pay any person or company in the United States except Cloverbelt Credit Union, tax payments, court ordered payments such as child support and maintenance, and payments related to illegal activity.
Q: Are there dollar limits on payments?
A: Yes. There is a maximum amount of $10,000 per payment processed, a maximum of $15,000 in payment per day with a monthly maximum of $20,000.
Q: How do I make a payment?
A: Add the name, address and your account number for each payee then schedule the amount and frequency of each payment. You can create one-time or recurring payments. You can edit payee or payment information at any time before the payment is withdrawn from your account by selecting “Edit”. It is important that you enter correct and complete information for each payee and payment you set up.
Q: When will my payment be withdrawn?
A: Pending payments are withdrawn Monday through Friday at approximately 7:00 am and 2:00 pm. Payments scheduled after 2:00 pm on a Friday will be processed at 7:00 am the following Monday, unless it is a holiday. Each payment is withdrawn separately and will be paid by check or electronically (ACH), depending on the payee. Payments scheduled on a weekend or holiday will be processed according to the preference you selected when setting up the payment (either the business day before or after).
Q: How many days will it take my payment to reach my payee?
A: In general, electronic (ACH) payments will arrive at the payee in 1-3 days and payments made by check in 5-7 days. Mail delivery times will vary, depending on payee location. Keep in mind that your payee may require additional time to process your payment after it is received.
Q: What happens if one of my payees tells me they didn’t receive my payment?
A: If the correct payee information was entered, it is unusual for a payment to not be received. If sufficient time has lapsed and the payment is not received, use the “Chat Now” link in Bill Pay, call Bill Pay member service at (888) 782-8539, or contact the Credit Union using one of the methods below, to begin an investigation.
Q: What if I don’t have sufficient funds in my account to make my payments?
A: Bill Pay will attempt to withdraw funds from your account for up to 5 days. If funds remain unavailable on the 5th day, the payment will not be processed. One-time payments will be deleted, and recurring payments will be attempted on the next scheduled date.
Q: Can I cancel a payment?
A: If the payment still appears in your Pending Payments list, you can cancel it by selecting “Edit” and checking the “I would like to stop this payment” box.
If an already-processed payment was made by check, use the “Chat Now” link in Bill Pay, call Bill Pay member service at (888) 782-8539, or contact the Credit Union using one of the methods below, to determine if the payment can be stopped.
If the payment is electronic (ACH), it cannot be stopped or canceled.
Q: How do I know if my payment was sent electronically or by check?
A: You will not know until after the payment has been processed. The status in your Bill Pay history indicates “electronic” if the payment was sent via ACH and “check” if it was paid by check.
Q: When would I use “Pay a Person” (P2P)?
A: While Bill Pay is typically used to send one-time or recurring payments to a business, P2P is used to send money to an individual After adding them as a payee, you choose how the person will receive your payment – Direct Deposit to send funds directly to their account (requires you to enter their routing and account numbers), Email or Text to create an access code and send a message with instructions for them to retrieve the payment and send it to their account, or Check to generate a check that will be mailed to the recipient.
Payments made using the routing and account number of the receiver have a maximum amount of $1,000 per payment with a daily maximum of $2,000 in payments. Payments made by providing an access code to the receiver have a maximum amount of $2,500 per payment.
Q: How can I send money to another CCU member?
A: Use the Member Transfer feature to instantly send money to their checking, savings or loan account (requires you to enter their account number). There is no limit to the dollar amount or frequency of member transfers.
Q: What is eBills?
A: eBills is a function within the Bill Pay service that allows users to link to their online account statements for select billers (such as some credit card or utility companies) by providing the Bill Pay service with their login credentials for each site. Users can then log into Bill Pay, conveniently access these bills/account statements and then set up Bill Pay payments. eBills can only be used with select billers and users must set up the biller as a Bill Pay payee before they can access online bills/account statements for these billers.
Q: How do I terminate my Bill Pay service?
A: Send us a request using one of the contact methods below.
Contact Information
In person at:
Cloverbelt Credit Union
110 McIndoe St
Wausau WI 54403
By mail at:
Cloverbelt Credit Union
PO Box 659
Wausau WI 54402-0659
By phone at:
715-842-5693
866-214-1395 (toll free)
By email at:
ccu@ccuwausau.com
Online using the “Message” feature in CU-Online or the Cloverbelt CU Home Banking app
Last updated 3/25/2024