Bill Payment

Our Internet Bill Payment solution is distinctive patented real-time, guaranteed funds model enabling us to leverage the existing architecture of the ATM networks to access real-time balance information during your online bill payment session.

They continually manage our extensive master database of merchants and payment instructions, ensuring correct delivery of your payments.

Our staff constantly monitors electronic transactions for timely completion.
Taken together, it's this level of vigilance and experience that makes our Internet Bill Payment solution, far and away, the gold standard.

Our Internet Bill Payment solution turns the complicated bill payment process into a simple proposition: When a you make an electronic payment, it should be presented to the correct payee in the shortest amount of time.

• Our solution has a network of contacts at our major payees to help us monitor changes in their systems.
• Our solution constantly maps addresses to electronic remittances.
• It reconciles payments and remittances to the exact penny every day so that you can account for every transaction.
• Internet Bill Pay is continually monitoring delivery to ensure that electronic payments arrive in two days and that most paper payments arrive in five days.
• Our solution examines payment trends to detect problems before they become widespread.
  

Bill Payment Guarantee.
If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please refer to the above Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.) The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

1. The payment amount is $25,000.00 or less. (Late fees and/or finances charges assessed up to the amount of $25,000.00 are guaranteed. Any payments made over $25,000.00 are not guaranteed under this payment guarantee.)
2. The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before this due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a "Send On" date no later than July 1st.)
3. The payment was not made to an excluded payee: 
   • Payments to payees located in the Armed Forces Postal Codes such as AE & AP.
   • Unprocessed payments due to debit failures.
   • Payments to settle securities transactions.
   • Payments to payoff special or delayed financing for purchases.
   • Payments to credit counseling agencies who pay creditors on your behalf.
4. The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:
   
   • Payments to payees outside of the United States.
   • Court-ordered payments such as alimony, child support, speeding tickets, etc.
   • Tax entities
   • Collection agencies
     
5. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).