Members can set up single or scheduled payments to almost any entity in the United States.
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Bill Pay is free of charge on all checking accounts. Once activated, you must use Bill Pay at least once per month or your account will be assessed a $5.00 inactive charge on Simply Free, Choice, Freedom Plus, and e-Member Checking, as well as on all Business Checking accounts. The fee is waived for members with Reward and Prestige Checking.
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You can add nearly any payments to your list of payees - insurance, telephone, and credit card companies - even your babysitter and paper carrier. When adding a payee that isn't already one of our verified merchants, it will take 2-8 business days to make your first payment. This time is required to establish a relationship with the new payee to assure that your payment is properly routed and credited to your account. Subsequent payments to the payee will take 2-5 days.
The types of payments you are not allowed to make through Bill Pay are federal, state and local government payments, child support, and collection agency payments. In addition, you cannot make payments to any organizations or individuals outside of the United States.
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We recommend that you do NOT make your PCU loan and credit card payments through Bill Pay. You will be able to pay your PCU bills more quickly and easily by using the transfer function in PC ACCE$$. For other convenient loan payment options (i.e. Direct Deposit or automatic payment from a PCU checking account), please contact our Call Center at 651-770-7000 or 800-247-0857, 9 am to 5:30 pm, Monday through Friday.
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A single payment is made one time or periodically for different amounts. This includes bills like your phone or electric bill. This type of payment may not have a fixed prepayment period.
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A scheduled payment is any payment set up to be made at a later "scheduled" date. You can make one-time or recurring payments using this function. Recurring payments (such as your mortgage) are made for the same amount at regular intervals. You can schedule these payments to be made weekly, bi-weekly, semi-monthly, every four weeks, monthly, quarterly, semi-annually, and annually.
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An expedited payment allows you to schedule a payment that will be debited from your account, submitted to the merchant, and posted by the merchant on the same or next business day - guaranteed. The cost of this service is $9.95 per payment.
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If a payment cannot be processed, a notification within Bill Pay under "messages" will be sent to you. If you have any unread messages in Bill Pay, you will be notified on the Bill Pay homepage. You may also receive notification by e-mail, which will be sent to the address you have on file with our Bill Pay service.
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No. The due date is the date the funds will reach the payee. The "send on" date is the date you want the money taken from your account.
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If you select to make a payment "today," the funds must be available in your default Bill Pay account. You cannot use your overdraft protection sources to make "today" payments. However, Bill Pay will attempt to make the payment again on the next business day and then overdraft sources will be used.
Scheduled payments will not be debited from your account until the scheduled transaction date. If you have insufficient funds on a scheduled transaction date, the payment may still be made if you have enough funds in your overdraft protection sources. If your payment fails, you will receive a notification in Bill Pay under "messages." The system will attempt to pay again the next business day. After a second unsuccessful attempt, you will receive another message and your scheduled payment will not be made during that period. However, Bill Pay will attempt to send a payment again during the next scheduled payment period (such as next month if you have it set up as a monthly payment).
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Yes. However, to remove a Bill Pay payee for a scheduled payment, you must first delete the scheduled payment. Then you can remove the payee.
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You will need to call PCU at 651-770-7000 or 800-247-0857.
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Yes. Pop-up functionality is used in Bill Pay to draw attention to important information. Since this service uses pop-ups as an alert mechanism, it is recommended that you permit pop-ups for the Bill Pay website. If you decide to sign up for this service, there is more information in the Bill Pay site about enabling pop-ups for Bill Pay only.
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For this online service, we recommend you use one of the following browsers:
Windows:
- Firefox 1.0 or 2.0
- Netscape 7.2
- Microsoft Internet Explorer 6 or 7
- AOL 9.0
Macintosh:
- Safari 1.0
- Safari 1.2
- Firefox 1.0 or 2.0
- Netscape 7.2
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This service recommends using a modem speed of 28.8 or higher; however, the speed at which you actually connect to the Internet may vary. In addition, performance results may vary when using cable modems due to differences in duplex technology offered by cable providers.
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Yes. In order to provide optimal security, performance, and reliability, this service requires that cookies be enabled on your web browser. Cookies are a small piece of information that a web server can store on your browser so the system recognizes your actions during a session.
Cookies cannot be used to obtain data from your computer, get your e-mail address or access sensitive or personal information. The only way that any private information could be a part of your cookie file would be if you personally provided that information to a website. Also, each cookie can only be read at the site where it was created.
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Money HQ is a comprehensive financial information and transaction center that allows you to view all of your online accounts on one site. In addition, it gives you the ability to transfer funds, execute payments and more. This service eliminates the necessity for you to visit multiple online financial sites to view information and make payments. It provides the highest degree of information access, control and convenience. Money HQ's features include:
- Financial Account Aggregation
- Account-to-Account (A2A) Transfers
- Next-day Transfers
- Bill Presentment
- Person-to-Person (P2P) Payments
- Balance and eBill Alerts
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You must register for Bill Pay before you can sign up for Money HQ. Once you are in the Bill Pay system, you will need to click on the tab titled "Money HQ" to register for this product. You will then be asked to:
- Validate your e-mail address and user information
- Accept Money HQ terms and conditions
- Verify Money HQ e-mail
Once you complete this process, you will be ready to login and use Money HQ's services.
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Once you're logged into Money HQ, simply select the Profile section to complete the brief process.
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