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Bloomfield State Bank's E-Bill Pay FAQs
Click an FAQ below to view details, or click here
to view
all.
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Go to the My Profile page and click Service
Setup at the top of the page. On the My Profile - Service Setup page, click
Cancel Your Service at the bottom of the page. Before you cancel your
service, keep in mind the following:
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Scheduled
payments, including repeating payments, are not paid.
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Processing
payments are paid.
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You no
longer have access to your payment history and you can no longer send payment
inquiries. You should wait until all of your scheduled payments are processed
before you cancel your service. If you let your scheduled payments process,
then you won't have any outstanding payments that you can't view or inquire
about after you cancel your service.
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Your payees
are notified to stop sending e-bills. However, it can sometimes take a few
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days for
the payee to process the request. Therefore, until you begin receiving paper
bills again you should contact the payee directly about your payment
amount and payment due date. Because you can't send your payment using
CheckFree Electronic Billing and Payment Service after you cancel your
service, you should make your payment to the payee by some other means, such
as a check.
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If you
decide to use CheckFree Electronic Billing and Payment Service again, you will
have to re-enroll and set up your payee list.
- An e-bill
(electronic bill) is an electronic version of a paper bill that you can view
online through CheckFree Electronic Billing and Payment Service.
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CheckFree Electronic Billing and Payment
Service lets you make payments and receive and pay bills online through CheckFree Electronic Billing and Payment Service. You can make payments to
anyone, anytime, anywhere in the United States, from your mortgage lender to
your newspaper carrier. The only payments you cannot make through your bill
payment service are court-ordered payments and state and federal tax payments.
Electronic billing lets you receive electronic bills
(e-bills) online through CheckFree Electronic Billing and Payment Service. Some
payees are able to send e-bills to their customers. If you add a payee that is
e-bill-capable, you have the opportunity to request e-bills from the payee.
Once your request has been authorized, you'll receive an
e-bill from the payee within a month or so, depending on the payee's billing
cycle. You can pay the e-bill directly, and you can also continue to make single
payments to the payee whenever you need to.
- An e-bill is a statement or invoice in an
electronic format. E-bills typically contain the same information as your mailed
bills.
- You can receive e-bills from payees that are
e-bill-capable. Once you request e-bills from a payee and the request is
processed, you should receive a message in Messages stating that your e-bill
service has been activated. E-bill service requests are usually processed within
two weeks. New e-bills appear on the E-Bills page.
- It may take up to two weeks for the payee to
process your request for e-bills. Once your request has been accepted, it may
take a month or more, depending on the payee's billing cycle, before you begin
receiving bills electronically.
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The Unpaid E-bills page lists your new
e-bills. A notice also appears on the Welcome page to let you know when new
e-bills arrive.
If you are waiting for an e-bill service request to be
processed, check Messages periodically for a message stating that your e-bill
service has been activated for the payee. When you receive the first e-bill
depends on the payee's billing cycle.
- It depends on the payee. Some payees stop
sending a paper bill and only send an e-bill to your CheckFree Electronic
Billing and Payment Service account. Other payees continue to send paper bills
through U.S. mail in addition to an e-bill to your CheckFree Electronic Billing
and Payment Service account.
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You can view paid e-bills by going to E-Bills
and then clicking Paid E-bills. You can always use your browser's print
feature to print the bill if you want to keep long-term records.
You can also view an e-bill for which you have a scheduled
or canceled payment. However, you cannot view deleted e-bills.
- You can pay one or
more e-bills from the Unpaid E-bills page. For more information on paying
e-bills, go to the help from the E-Bills page. As with all CheckFree Electronic
Billing and Payment Service payments, you control the payment amount and payment
date.
- Yes, you can pay an e-bill by some other way
(by check, for example). If you pay the e-bill by some other method, you can
delete the unpaid e-bill from the Unpaid E-bill page. Once you delete the
e-bill, you cannot view the bill or bill statement again through CheckFree
Electronic Billing and Payment Service. Unpaid e-bills are never deleted
automatically by CheckFree Electronic Billing and Payment Service. You can also
print a copy of the e-bill for your long-term records using your browser's print
feature.
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If a payee in your payee list can send
e-bills, the Sign Up link appears in the E-bills column on the Payee
Setup - Payee List page. Click this link to request e-bills. Remember, the payee
may take a couple of weeks to process your request.
If you want to
find out if a payee not in your list can send e-bills, look for the payee in the
provided payee list. If you see the
symbol next
to a payee's name, you can request e-bills from the payee. For example, if you
would like to receive e-bills from your phone company, look for the name of the
company in the payee list. If your phone company is listed with the
symbol, add the
payee, and CheckFree Electronic Billing and Payment Service will ask you if you
want to request e-bills.
Tip
We are always updating our list of payees that can send e-bills! If you added a
payee that cannot send e-bills and later you notice that the payee can
send e-bills, just click the Sign Up link next to the payee name in your
payee list.
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When you delete a payee who sends you
e-bills, we automatically remove the payee from your payee list and send a
message to the payee and ask them to stop sending e-bills. You can no longer pay
any unpaid e-bills listed in the Unpaid E-bills page for the deleted payee, so
you may want to pay unpaid e-bills before deleting the payee..
It is also possible, due to the payee's billing cycle, that
you may receive an e-bill after you have deleted the payee. If you receive an
e-bill after you have deleted the payee, you can add the payee again (without
requesting e-bills) and make the payment from the Write a Check page, or you can
pay the bill through U.S. mail.
- To stop receiving e-bills from a payee, go to
Payee Setup, and then click Edit next to the payee. Select Click here
to discontinue e-bill service. The payee is notified to stop sending
e-bills. However, you may receive an e-bill after canceling e-bill service due
to the payee's billing cycle. Make a payment to the payee from the Write a Check
page to cover the e-bill or make the payment by some other means.
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If you have questions about an e-bill, please
contact the payee directly. All information on the e-bill comes directly from
the payee, the same as when they mail you a paper bill. Remember that you
control the payment amount when you pay the e-bill.
If an e-bill amount is incorrect, make sure to contact the
payee to avoid any late charges. Look on your last bill for the payee's customer
service phone number.
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If your normal billing cycle has passed and
you still have not received your e-bill, contact your payee. Payees deliver
e-bills much like they deliver your paper bills. Depending on billing cycles,
the exact day you receive your bill each month may vary. Also remember that it
can take over a month before you receive your first e-bill from a payee.
Look on your last bill for the payee's customer service
phone number.
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Auto-Pay is an optional feature available for
some versions of this service. If Auto-Pay is available, you have the option to
turn it on for most payees that send e-bills. Auto-Pay automatically pays
e-bills by scheduling the payment date in time for the payee to receive the
payment by the e-bill's due date. Auto-Pay pays the e-bill's minimum amount due.
When you set up Auto-Pay, you can select to automatically
pay the e-bill regardless of the payment amount, or you can select to set a
limit on the amount automatically paid.
- A payee must be able to send e-bills through
this service and also have a system capable of receiving automatic payments.
CheckFree Electronic Billing and Payment Service offers Auto-Pay for all payees
who meet these requirements.
- If Auto-Pay is available, you can set up
Auto-Pay when you add a payee, or you can add it later by editing payee
information from the Payee Setup - Payee List page.
- If the minimum amount due for an e-bill
exceeds the maximum amount set for Auto-Pay, CheckFree Electronic Billing and
Payment Service does not automatically schedule the payment. You receive a
message letting you know that the e-bill's minimum amount due exceeds the
maximum amount automatically paid. Make the payment through the Write a Check or
Quick Pay page or by some other means. If you think that the amount due is
incorrect, contact the payee.
- Go to Payee Setup, and then click Edit
next to the payee. In the Auto-Pay section, type a new amount in the Only pay
e-bills for less than this amount box. Your changes are effective
immediately.
- If a payee sends an e-bill late and the
actual due date is before the earliest available payment date (remember
CheckFree Electronic Billing and Payment Service needs a few days to process
payments), Auto-Pay schedules the payment for the earliest possible payment
date. Please contact your payee if an e-bill arrives late and you are charged a
late fee.
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Call the
payee's customer service department.
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When you
call, gather the following information:
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The name
of the person who assisted you with your payment question.
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The
phone number you called to contact the payee.
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The date
you called the payee to inquire about the late fees.
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The
amount of any late fees or finance charges assessed.
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Ask the
payee to waive any fees or finance charges.
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If the
payee will not waive the fees or charges, find the payment in Payment History
and click Inquire to send us a message about the payment.
- After the payment date, check Payment History
to see if the status of the payment is Processed. If the status is Processed,
then the payment has been sent to the payee. You can also check to see if the
funds have been withdrawn from your bank account. For example, check your next
bank statement for the withdrawal. Or you can call the payee to see if they
received and credited the payment. Sometimes it may take the payee a few days to
credit your account.
- You can cancel a payment while its status is
Scheduled. After a payment's status is Processed, you can no longer cancel or
change the payment. You can cancel payments from the Payment History page.
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Failed is a status that appears in Payment
History if a payee returns one of your payments to us. The payee may have
returned the payment because the information you provided when you added or
updated the payee in your payee list wasn't sufficient for the payee to credit
your account. You may consider making the payment by other means if it is close
to the bill's actual due date.
If you have a failed payment, please take the following
steps. These steps ensure that your payment information is attached to your
message.
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Go to
Payment History and find the failed payment.
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Click
Inquire.
The Payment History - Payment Inquiry page opens. Use this page to tell us
more about the problem with the payment.
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Complete
all of the boxes.
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Click
Send.
Your message is sent.
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Click Close.
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The
Payment History page opens.
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Check
Messages in three to four business days for a reply.
If you are
concerned about meeting the payment's actual due date, send the payment by
check in the meantime.
- If the payment
amount is incorrect and the payment status is still Scheduled, edit the payment
with the correct amount. If the payment status is Processed, you cannot change
the payment amount. If you overpaid the amount, contact the payee to request a
refund or a credit toward your next payment.
- If the payment's status is Processed, you
cannot change the payment date. Contact the payee if you have been charged late
fees. They may waive the fees for you.
- If a payment appears twice for the same
amount and payment date and both payments are still Scheduled, cancel one of the
payments and allow the other payment to process. If each payment's status is
Processed, you cannot cancel either payment. Go to the Paymemt History page and
click Inquire next to the payment to send us a message about the problem.
- If a payment went to the wrong payee or payee
account number and the payment is still Scheduled, cancel the payment and
reschedule it with the correct payee or payee account number. If the payment's
status is Processed, you cannot cancel the payment or change the payee
information. Go to the Payment History page and click Inquire next to the
payment to send us a message about the problem. Also, check your payee
information to make sure you entered the payee information and your payee
account number correctly.
- To make your payment on time, we may need to
begin processing a payment as soon as possible, depending on how the payee
receives the payment. Every day at 1:00A.M. and 1:00P.M. ET, we look for
scheduled payments that need to begin processing. If your payment starts
processing and the status has not yet changed from Scheduled to Processed, it
should soon. After a payment has started processing, you can no longer make
changes to it.
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With the CheckFree
Guarantee, you can be assured that your electronic payments are safe and
reliable. When your payments are processed through CheckFree, you are protected
in the unlikely event of unauthorized transactions or processing delays. For
more information, go to
http://www.checkfree.com/checkfreeguarantee.
- Many of your payments are made
electronically—other payments are made by check. For example, some payees, such
as individuals, cannot receive electronic payments, so a check is printed and
sent to the payee. Whether a payment is made electronically or by check, the
payment is processed to reach the payee on time.
- If the payment is sent electronically, the
funds for the payment clear your account on the scheduled payment date.
Otherwise, funds clear your account when the payee deposits or cashes the check.
Keep in mind, however, that you should always have funds available to cover the
payment on the scheduled payment date.
- Yes, you can make payments from more than one
bank account. The account number you select when making a payment is the account
your payments are withdrawn from.
- Schedule your
payments to be paid at least four business days before the actual payment due
date. For example, if you have a bill due on the 15th of the month, schedule the
payment date as the 11th of the month or earlier if the time period includes any
weekends or holidays. The payment date is the day the payment is scheduled to be
paid. Scheduling pay dates sufficiently in advance of the due date on the bill
allows enough time for the payee to receive the payment and credit it to
your account. Whether the payment is electronic or sent by mail, payees may not
always credit your account on the same day that they receive the payment. Allow
for extra time in this situation so the payment is not considered late, or
contact the payee.
- You can schedule payment dates four business
days from today or later. The earliest possible payment date is indicated on the
E-Bills, Quick Pay, and Write a Check pages. If you try to schedule a payment
earlier, you are asked to reschedule the payment date at least four business
days from the current date.
- Four business days
before a payment's payment date, we look at your payment to determine how it
should be processed. For example, we need to know if the payment is going to a
payee that can accept electronic payments or if the payment should be sent as a
check. After we determine how to process the payment, you can no longer make
changes to it; your changes could affect how we would process the payment. The
payee then receives the payment on the scheduled payment date.
- You don't need to do anything with your bill
statement—payees do not need that portion of your statement. All of the
information you provide when adding payees and scheduling payments is sufficient
for the payee. If you like, you can keep the statement for your own records.
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