Bill Pay

paid_bills

Bill Pay is an easy and convenient way to pay your bills electronically via the Cloverbelt Credit Union full website, mobile website or app. You simply schedule your payments online – whether it be a one-time payment or recurring payments of the same amount (such as your mortgage). Your payment is then automatically taken from your CCU checking or savings account on the date you select, and that’s all there is to it! Use Bill Pay to pay any person or company – utilities, credit cards, loan payments, health care providers, you name it! Bill Pay is totally safe and secure, and best of all it’s FREE to use as long as at least one bill is paid electronically each month.

*Inactivity fee of $2.95 per month will be assessed if at least one bill is not paid electronically.

Questions about Bill Pay? A complete User’s Guide has been provided below to give you more information about Bill Pay. In addition, check our list of frequently asked questions printed below the User’s Guide or give us a call at 715-842-5693 and we’ll be happy to assist you.

BILL PAY USER GUIDE

Desktop, Mobile and App access

If you are currently a CU-Online user, simply log onto CU-Online using your computer and click the Bill Pay tab. On our mobile website, select Pay My Bills from the menu and in our app, select Manage Payee from the menu.

If you are not currently a CU-Online user, contact us at 715-842-5693 or visit any CCU office to get a temporary password. First-time users must access CU-Online using a desktop computer but can then access Bill Pay using a computer or a mobile device. Visit our website www.ccuwausau.com and click on the “First Time Users Click Here” link on the upper right-hand side of the page. Follow the prompts to set up CU-Online access. To set up payees and to schedule payments on your computer click the Bill Pay tab, on our mobile website select Pay My Bills from the menu and in our app, select Manage Payee from the menu.

Account Setup

To begin using Bill Pay services you will use the Account Setup form on the Bill Pay tab to check, update or edit the information you provided when setting up the bill payment service. Note: Social Security Number is a required field for most financial institutions. An e-mail address is necessary if you would like to set up automatic notifications for certain payments (see e-mail reminder option in the schedule payments section).

Add Payees

The first step to managing your payments online is to set up your list of payees. These payees may include any merchant, institution or individual located in the United States (except government agencies).   You cannot use Bill Pay to pay Cloverbelt Credit Union loans, tax payments and court ordered payments such as alimony and child support. Payees are added manually by clicking on the Payee List/Modify a Payment button, under the Bill Pay tab.

  1. Click the Add Payee button. Enter the payee name, address and account number exactly as it appears on your bill. After you have added all of the payee information, click the Add button and your payee has been added.
  2. If you would like to refer to your payee by a name other than the actual payee name (such as “truck payment”, choose a payee nickname by entering the nickname in the Nickname field.Scheduling Payments

    After you have created your payees you are ready to schedule a payment. To schedule a payment, click Add a Payment under the Bill Pay tab. Select each payee you want to pay, enter the payment information and click Confirm or Next at the bottom.

    Payment Options

    After you select the payee, you must enter a dollar amount for each payment and an account in the Pay From dropdown. You may also add a memo line for each payment, if you choose. Memo lines will not appear on payments made electronically.

    Recurring Payment Options:
    1. You can set up a payee to receive a single payment if the frequency of amount of your payments varies and if you want to schedule these payments one at a time.
    2. If your payments are the same amount on a regular basis, you can choose to set up recurring payments. Enter the amount to pay and the frequency then the payments will be made automatically. 3. You can set e-mail options for each payee allowing you to receive notification 1,2 or 3 days before a payment is withdrawn.Once the payment options have been set for each scheduled payment, click on the Confirm Payments or Continue button and you will be asked to verify your schedule payments. Review and confirm your scheduled payments, click the OK button. You have successfully scheduled your payments.

    Editing Scheduled Payments

    If you want to edit a scheduled payment that has not yet been processed, go to the main Bill Pay menu (computer or mobile website) and selecting the Scheduled Payment tab. Your Scheduled Payments available for editing are those listed within the Scheduled Payments box. In the app, go to the account the payment will be withdrawn from, tap the $ icon, scroll through the payees to find the payment then tap to open.You can edit the Amount, Recurring Date, Pay From, Email Options and Memo Line fields only for those payment that have not been already processed.

    Deleting Scheduled Payments

    To delete a scheduled payment that has not yet been processed, go to the main Bill Pay menu (computer or mobile website) and select the Scheduled Payment tab. Your Scheduled Payments available for deleting will appear. In the app, go to the account the payment will be withdrawn from, tap the $ icon, scroll through the payees to find the payment then tap to open. Select Delete Payment then confirm your request.

    Editing Payees

    To edit Payee information, select a payee and make the changes then click on the Update/Delete button.

    Deleting Payees

    To delete a payee, select a payee and make the changes then click on the Update/Delete button.

    Bill Pay History

    In the app, go to the account the payment was withdrawn from, tap the $ icon, scroll through the payees to view the payment history. On a computer or on the mobile website, select the Bill Pay History/Paid Bills button.Enter the date range and payee filter, if desired, then click on View Payments. By default, payments appear in date order but they can also be sorted by:
    Process Date – The date you scheduled the payment to sent

    Payee – Payee names in alphabetical order.

    Account # – The account number of the bill or account being paid (useful if you have several household accounts at one billing institution).

    Confirm # – The unique number assigned by your financial institutions payment processor and is used to track transactions.

    Status – There are five types of Bill Pay statuses: Pending, Transit, Processed, ACH and Cleared

    Pending indicates the Bill Pay vendor has not yet processed a scheduled payment. Transit indicates the payment has debited your account and is in “transit” to the Bill Pay vendor. Processed indicates the bill payment vendor has received the bill for processing. ACH means the payment has been made electronically and Cleared means the check payment has been processed and cleared. Note: Only pending payments may be deleted before being submitted for processing.

    Amount – The dollar amount of the payment.                                

BILL PAY FREQUENTLY ASKED QUESTIONS (FAQs)

 How does Bill Pay work?

Bill Pay can be accessed through CU-Online home banking using a computer, our mobile website or our app. When you first begin using Bill Pay, enter the payees to whom you want to make payments. You only need to add each payee once. When you make a payment, you specify the date that you want us to begin processing your payment. After a payment is scheduled, it appears on the Scheduled Payments screen as pending in the status column. After we begin to process your payment, the status changes to transit. After being processed, electronic payments will show a status of ACH; if paid by check the status will be processed. After a payment check has been cashed, the status will change to cleared.

Who can use Bill Pay?

Any member with a checking or savings account can sign up for Bill Pay, as long as you have the funds available to pay your bills and you are in good standing with Cloverbelt Credit Union.

Can I use Bill Pay with any of my accounts?

You can pay bills with either your checking of savings account.

How much does Bill Pay cost?

Bill Pay free to all members as long as they pay at least one bill each month. After one month of inactivity you will be charged a $2.95 inactive fee each month thereafter until you become active again or you terminate the Bill Pay service by contacting CCU in writing. After six months of inactivity, Bill Pay access may be automatically terminated. CCU may terminate your Bill Pay access at any time, for any reason.

Will I need a separate log in and password for Bill Pay?

No. Once you have logged into the CU-Online website or mobile app, you are able to access the Bill Payment link.

How do I sign up for Bill Pay?

If you are currently a CU-Online user, simply log onto CU-Online using your computer and click the “Bill Pay” tab. In our mobile app, select Manage Payee under the menu icon. Detailed instructions for adding payees and scheduling payments can be found in the Bill Pay User Guide.

If you are not currently a CU-Online user, contact us at 715-842-5693 or visit any CCU office to get a temporary password. First-time users must access CU-Online using a desktop computer but can then access Bill Pay using a computer or a mobile device. Visit our website www.ccuwausau.com and click on the “First Time Users Click Here” link on the upper right-hand side of the page. Follow the prompts to set up CU-Online access. To set up payees and to schedule payments on your computer click the Bill Pay tab, on our mobile website select Pay My Bills from the menu and in our app, select Manage Payee from the menu.

Once I sign up for Bill Pay, how long does it take for my registration to be approved?

CCU will approve your Bill Pay registration within one business day of signing up.

What do I do after my registration has been approved?

Enter the Bill Pay site to set up your payees and schedule payments. See the Bill Pay User Guide for detailed instructions.

Who can I pay via Bill Pay?

You can pay any person or company in the United States with the exception of obligations to Cloverbelt Credit Union, Tax payments and court ordered payments such as maintenance and child support.

Once I enter my payee information, do I need to re-enter it each time I want to make a payment?

No. Once you enter your payee information it will be available to you each time you use Bill Pay.

Can I schedule recurring payments?

Yes, in addition to a one-time payment, you can schedule your payments to be made monthly, semi-monthly or weekly.

If I schedule multiple bill payments for a single day, will my account be debited with the total sum or for each payment separately?

Each bill is debited separately.

When I add a new payee to my Bill Pay or change my account numbers, how quickly will the change take place?

When you edit information in your Bill Pay settings, the changes are made immediately.

How do I edit a pending payment?

Select the payment you want to edit. You may edit the dollar amount, the payment process date and the account you want the funds to come out of. Make the changes and select Confirm Payment.

How do I cancel a payment?

Select the payment you want to delete and click on the Delete Payment button then confirm the request and select Done. You can cancel a payment if the status is pending. If the payment is in transit, contact CCU at 715-842-5693 and we will place a stop payment if it is by check. If the payment is electronic we cannot place a stop payment. Please be aware that you will charged out usual fee of $25 for each stop payment requested.

How do I know if my payment was sent electronically or by check?

You will not know until after the payment has been processed. If the status in your history indicates ACH, the payment was sent electronically. If the status indicates Cleared it was paid by check.

How many days will it take my payment to reach my payee?

We suggest that you allow at least five business days for your payments to be processed. For payments made by check, the actual mailing time will vary depending on the location of your payee. For this reason, you should select a payment date that will allow for adequate processing and mailing time.

How can I make sure my bill payment was processed?

After your payment is processed, you will see the history of your payments in the View Payments section.

When are the funds deducted from my account?

The amount of your payment(s) will typically be deducted from your account on the payment date you indicated at approximately 4:00 pm. All payment requests scheduled by this time will be withdrawn on the same day. Payments scheduled to occur on a Saturday or Sunday would be deducted on Sunday. Payments scheduled to occur on a federal holiday will be deducted on the next business day.

What happens if I set up a payment but do not have the funds in my account?

Bill Pay will attempt to withdraw the money from your account once each day for up to three days. If funds remain unavailable on the third day, the payment will not be processed.

Do I need to contact each of my payees and let them know that I am going to be using an automated bill payment system to pay them?

No. Your payments (either electronic or check) will be sent with your name and address information as well as the account number information you indicate when setting up your payee.

What do I do with the part of the invoice or bill that I usually mail back to the payee with my payment? Doesn’t the vendor need that to process my payment?

No. You can destroy the payment stub. Bill Pay provides all of the necessary information to the payee with each payment. It is important that you enter the correct and complete information for each payment you set up. If a payment is returned to us because the payee cannot identify you or your account, a $5 processing fee will be charged for each returned item.

What happens if one of my payees tells me they didn’t receive my payment?

This is extremely rare but if your payee indicates they did not receive a bill payment, contact Cloverbelt Credit Union at 715-842-5693 and we will work with our Bill Pay vendor to troubleshoot this issue.

Can I stop a bill payment?

Yes, but only if the payment was made by check. Contact Cloverbelt Credit Union at 715-842-5693 and, if the check has not cleared, we will request the stop payment for you. Please be aware that our usual stop payment fee will apply.

What do I do if the address of my payee changes?

Go to your Payee List, select the payee whose address has changed and click the Edit Payees button. Make the changes and click Update. All future payments will go to the new address.

What if my address, phone number or email address changes?

It is important that your contact information remain current for the Bill Pay service to operate properly. Submitting an address, phone number or email change to the Credit Union does not change the information for your Bill Pay account. Likewise, changing this information on your Bill Pay account does not change the information for your checking and savings accounts. Go to Account Setup and update your personal information. All future payments will reflect these changes.

How do I terminate my Bill Pay service?

For security purposes, we require that you contact Cloverbelt Credit Union to terminate your Bill Pay service. You can call us at (715) 842-5693, visit any credit union office, send your request via CU-Online secure messaging or mail it to P O Box 659, Wausau WI 54402 0659.