FAQs - Bill Pay

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What is Bill Pay?

Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It's safe, secure and easy to use.

What are the benefits of Bill Pay?

Bill Pay saves you time and money versus sending payments through the mail.

Save time – It takes only minutes to pay your bills each month. You save time on trips to the post office and filing away paper receipts. Features such as recurring payments allow you to set up a schedule to pay your bills automatically.

Save money - Bill Pay saves you money on postage, late fees, and checks. Customers save on average $145* per year using Bill Pay.

Who can I pay with Bill Pay?
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards or individuals such as your landlord, babysitter, or relative.

The first time you set up a payee, you will need the address where the payment will be mailed. You can find the mailing address on your most recent paper bill.
How do I qualify for Bill Pay?

To enroll in the Bill Pay service, you must be a member of the United States Senate Federal Credit Union and the primary owner of at least one Credit Union checking account. You must also be registered for CU AnyHour+ Online Banking.

How do I enroll in online bill pay?
You can enroll for Bill Pay in three easy steps:
  1. Access and login to your account at CU AnyHour+ Online Banking
  2. Use the "Bill Pay" tab to access the enrollment form.
  3. Complete the enrollment form and click submit.
How do I start using Bill Pay?

First, you need to enroll to activate your online bill pay account. If you haven't enrolled, please follow the three steps shown above. If you have enrolled, you can make a payment in four easy steps.

  1. Grab a bill and login to your account at CU AnyHour+ Online Banking
  2. Click on the "Bill Pay" tab.
  3. Click the "Add a Payee" button on your dashboard.
  4. Enter the amount you want paid and make your payment.
Is Bill Pay secure?

Paying bills online is one of the safest ways to pay your bills. Online bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real time access to your payments activity.

How are online payments delivered?
Payments are sent one of two ways – electronically or paper check. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper check that is mailed via the U.S. Postal Service.
How will my payment be processed?
In one of two ways, if the payee is able to accept electronic ACH payments the payment will be sent as an ACH transaction. If the payee is not able to receive an ACH the payment they will be sent as a draft (check) drawn against you checking account at USSFCU.
Can anyone else on my account use Bill Pay?

Any individual that is on the account (i.e. joint owner) and has been given access to CU AnyHour+ is authorized to use Bill Pay for that account. CU AnyHour+ is a secure Web site and is accessed through a unique User ID and password.

Can I access Bill Pay from anywhere?

Bill Pay subscribers must live in the United States or its possessions and/or territories (i.e., American Samoa, Guam, Marshall Islands, Micronesia, Northern Mariana Islands, Palau, Puerto Rico, and the Virgin Islands) or be receiving mail at an FPO or APO address (APO - Abroad, APO - America or APO - Pacific. USSFCU subscribers are able to access it using their mobile device.

Will I have a separate password for the Bill Pay service?

No. To access Bill Pay requires you to sign on to CU AnyHour+ , using your CU AnyHour ID and password. Then click on the " Bill Pay" tab. This automatically links you to the Bill Pay service.

How do I get billed for using Bill Pay?

This service is free for members who have signed up for eStatements.

For those not receiving eStatements, the fee is deducted from your USSFCU checking account each month on the date you signed up. The amount will be the total of the $5.00 monthly fee and, if applicable, $0.49 per payment exceeding the ten payments provided with your monthly flat fee. If the specified date falls on a Saturday, Sunday or Federal holiday, the fee will be deducted from your account on the next business day.
Do I need to pay the fee for the month if I don't make any payments?

Yes. The monthly service fee is charged just like your telephone or cable bill - whether you use the service that month or not. Members who receive eStatements must maintain this separate service to continue receiving Bill Pay at no charge.

Who can I contact for Bill Pay assistance?

You have three primary methods of contacting Bill Pay for assistance:

  • Livechat
  • Phone 855-889-6489
  • Message Center

Hours of Operation: 7:30 AM-2:00 AM ET

Once enrolled and using this Bill Pay service you may use the email feature or access the HELP feature.
When will funds be withdrawn from my account?

If the payment is made by check (see above) funds will be withdrawn from your USSFCU checking account once the payee negotiates the check.

If payment is sent electronically the funds will be withdrawn from your USSFCU checking account on the process date as determined by you. The process date is not necessarily the date that the bill is due. The process date is the date selected by you when you schedule the payment. When the process date is selected the system will provide an “estimated arrival date” of payment. Electronic payments typically allow one – two business days between process date and the date that the payment is estimated to be received. Payment by check typically allows three to five business days between the process date and the date that the check is estimated to be received by the payee.

How does the payment post to my checking account and appear on my statement?

Payments may be deducted from your account in one of two ways:

1- via electronic debit through the Automated Clearing House Association (ACH); or

2- via check drawn on your account and processed through the Federal Reserve System (just like you would write a check from your checking account).

The way the payment is deducted is determined systematically based upon the operating procedures of our Bill Pay service provider. However, all bill payments debited from your account will appear on your monthly statement as well as in the checking detail found in CU AnyHour+.

Additionally, you can view your electronic payments at any time by viewing "Payment History" on the Bill Pay service.
What should I do when my address changes?

For address changes please contact us via the message center tab located in the upper right corner of CU AnyHour+. Please provide new address along with phone numbers and email address changes, if applicable.

You may also contact us by calling 202-224-2967, (800) 374-2758 if outside DC Metro area; by mail at Member Services, United States Senate Federal Credit Union, P.O. Box 404, Staunton, VA 24402-4040; by fax at 703-329-4355; or via email at services@ussfcu.org.

How do I terminate or discontinue the Bill Pay service?

If you wish to discontinue your subscription to the Bill Pay service, you must make your request in writing.  Please notify us through the secure messaging center available in CU AnyHour+ (effective 7/30/12) or by sending a letter to Financial Solutions Center, United States Senate Federal Credit, PO Box 4040, Staunton, VA 24402-4040. Obviously, payments set up will execute unless you cancel them.


eBill Service
What is  eBill?

The eBill service of Bill Pay will provide USSFCU subscribers with the ability to receive bill summary information from eligible payees. 

  • Which payees are eligible for eBill will be indicated to the subscriber. 
  • Subscribers will be able to enroll their eligible payees from the home page and from their payee list within Bill Pay. 
  • Subscribers will sign-up for eligible payees by agreeing to terms and conditions and providing their login ID credentials for the payee’s biller direct site.

The home page will have a new section for eBills summarizing the status of the subscribers’ eligible payees: 

  • Due
  • Received
  • Awaiting New Bill
  • Troubleshooting
  • Sign-up

It will also reflect the critical statuses within the subscriber’s single payments list and payee list.

“Credit Card” billers will present the following information:

  • Statement Balance
  •  Minimum Payment Due
  •  Payment Due Date
  •  Statement Closing Date

“Regular” billers will present the following information:

  • Payment Due
  • Payment Due Date

Once the billing data is received a communication will be sent advising the subscriber that their eBill information is available.  The subscriber will be able to view the summary information on their home page.  They will also be able initiate a payment from the new eBill summary section on the home page by selecting the “Pay” link.

All eBill history will be stored for the subscribers; subscribers will be able to access 18 months of eBill History.  Subscriber’s eBill history will contain all “old” eBills as well as the most recent eBill data received.

How do eBills work?

eBills are delivered directly to your online bill pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Will I still receive paper statements when I have eBill?
You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.
How will I know if eBill is available for a payee?

If your payee is eligible for eBill, you will see a "Setup eBill" link next to their listing on your dashboard.

What are the primary benefits of eBill?

With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

What information is included in an eBill?

Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you login to your account on your payee's website, or you can check your paper statement.

How do I pay an eBill?

To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay, and schedule when you want the payment delivered.

How do I know when I have received an eBill?

You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

 

 
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