Click on your question:

• What is BillPayer?
• Where can I report a payment that has not posted or a Payee that is not active?
• If I'm trying to pay several accounts (such as a telephone bill) with the same Payee, can I list all the account numbers in the account number field?
• Can I pay my KSCFCU loans through BillPayer?
• How soon can I start to make payments?
• What if there aren't enough funds available to process my scheduled payment?
• How do I check my payment status?
• How do I verify that my payment has reached the Payee?
• Is there anyone I can't pay using BillPayer?
• Are there any fees for BillPayer?
• Will I need Personal Credit Union to have BillPayer?
• How do I sign up for BillPayer?
• How do I get started using BillPayer?
• How do I set up a Payee?
• What information do I need to "Add Payee"?
• What Payment Method does my Payee use?
• What is the difference between a bill paid by "Check" and one paid by "Electronic"?
• Is the Payee account number the same for "Check" and "Electronic" when setting up a Payee?
• When can I schedule a payment?
• How do I cancel the BillPayer service if I change my mind?
• How do we get more "electronic" Payees?
• Where is the "CANCEL BillPayer" button?

What is BillPayer? Return to Top

BillPayer is a feature connected to our Internet Home Banking service, Personal Credit Union. BillPayer allows you to pay bills (such as electric, phone, water, etc.) online.

Where can I report a payment that has not posted or a Payee that is not active? Return to Top

If your payment has not been credited within 3 business days of your payment date or a Payee has not changed from inactive to active within 3 business days of setting it up, you can contact us at (321) 455-9400, ext. 1279 or toll-free 800-662-5257, ext. 1279.

If I'm trying to pay several accounts (such as a telephone bill) with the same Payee, can I list all the account numbers in the account number field? Return to Top

No. Each one must be set up as a separate Payee with its complete account number.

Can I pay my KSCFCU loans through BillPayer? Return to Top

All KSCFCU loans, including credit cards, should be paid by using the "transfer" button which immediately transfers the funds and pays on the loans. BillPayer would withdraw the funds from your account and send them through BillPayer processing. The payment would not get credited to your loans immediately.

How soon can I start to make payments? Return to Top

If your Payee is not on the Master Payee List, or the account number mask and address does not match your Payee, you will need to add the Payee in the "Add Payee" section. Once you have set up a Payee in the "Add Payee" section you will need to wait up to 3 business days before scheduling a payment. This allows our Payment Processor to verify your information. If your Payee is on the Master Payee List or the BillPayer vendor can confirm your information sooner, your Payee may be available much sooner than 3 days. You can watch under the "Payee" section and when a Payee has been verified the status will change from "inactive" to "active". When your Payee is "active", you can then start scheduling payments.

What if there aren't enough funds available to process my scheduled payment? Return to Top

If you have funds available by using overdraft protection (same as your share draft overdraft protection), the payment will be processed using these funds. If a transfer from shares is required, you will be charged a $4 overdraft transfer fee. If there are not enough funds available, (Payment History will show a status of "Insufficient Funds") your payment will not be processed and will need to be rescheduled by you for payment on a later date. If you have provided KSCFCU with a valid Internet email address, you will be sent an email concerning this. You should monitor your account available funds on days that you have payments scheduled. Remember, some check and ATM deposits are not available immediately.

How do I check my payment status? Return to Top

Click on the "Payment History" in the BillPayer section. Each of your payments will have a "Status". If the payment has an "In Process" status, this means that it has been processed by the Credit Union and is awaiting process by our BillPayer Processor. If your payment has a "Check Sent" or "Electronic Pmt Sent" status, this means the payment has been processed by our BillPayer Processor and sent to your Payee. If your payment has a "Ck Cleared MM/DD/YY" status, this means that the Payee has deposited the check and "MM/DD/YY" is the date the check cleared the BillPayer Processor's bank. Note on electronic Payees, the status will not change from "Electronic Pmt Sent." This is because there is no way to acknowledge the payment has been deposited by the Payee.

How do I verify that my payment has reached the Payee? Return to Top

Verify the status of the payment using the "Payment History" section. If the check payment has cleared you will see the date it cleared the BillPayer Processor's bank. If the check payment has not cleared, check your account with the Payee to verify the payment has been posted. Note on electronic Payees, the status will not change from "Electronic Pmt Sent." This is because there is no way to acknowledge the payment has been deposited by the Payee. Some Payees have web sites and automated phone systems to check on a payment status.

Is there anyone I can't pay using BillPayer? Return to Top

Our processor does not process payments to Government entities (local, state or federal), Internal Revenue Service, collection agencies, or recipients of court-ordered payments such as child support and alimony. Organizations or individuals with addresses outside of the United States are also excluded.

Are there any fees for BillPayer? Return to Top

Effective January 1, 2005, there is no charge for this service.

Will I need Personal Credit Union to have BillPayer? Return to Top

Yes, to have the bill payment feature, you will need to have Personal Credit Union and a checking account with KSCFCU.

How do I sign up for BillPayer? Return to Top

When you log in to Personal Credit Union, there is a button called "Enroll BillPayer". After clicking that button and agreeing to the disclosure you can then start setting up your Payees. After you have enrolled for the first time you can then access BillPayer by clicking the "==BillPayer==" button on the left of your screen in Personal Credit Union.

How do I get started using BillPayer? Return to Top

Once you have enrolled, the first step is to set up your Payees. DO NOT WAIT UNTIL YOU ARE READY TO PAY BILLS. Since the Payee information must be verified by our BillPayer processor, you should setup your Payee information as soon as possible. This will avoid delays when you are ready to pay bills. Since there is no "per item" or "per Payee" charge, the best method is to set them all up.

How do I set up a Payee? Return to Top

First, click on the "Payees" button in the BillPayer section of Personal Credit Union. Second, click on the "Find Payee" button to search through our Master Payee List and find a Payee to add to your Personal Payee List. If you do not find the Payee you are looking for in the Master Payee List, try to use variations of the name. For example, for Florida Power and Light, try FPL. If you do not find your Payee, or if you do not find an account mask match, you must "Add a Payee".

What information do I need to "Add Payee"? Return to Top

The simplest way is to have your complete bill handy. The information requested will include the Payee name, address the payment should be mailed to, account number with this Payee, phone number for this Payee and the name on your account with this Payee. You will also be required to select a Payee Category. For example, Bell South home phone would be Telephone - Local Carrier.

What Payment Method does my Payee use? Return to Top

BillPayer Payees can be paid by either CHECK or ELECTRONIC. To verify which your Payee uses check out the "Payment Method" column in the Payees section.

What is the difference between a bill paid by "Check" and one paid by "Electronic"? Return to Top

A "Check" payment is a paper draft sent though the US Mail system. You must allow sufficient time for the Payee to receive this type of payment, just as you would if you were mailing the payment yourself. An "Electronic" payment is sent out electronically and is the most preferred payment method, but some Payees are not able to accept this type of payment. "Electronic" payments usually post quicker than paper draft. When making an electronic payment, you need only concern yourself with the account mask vs. address.

Is the Payee account number the same for "Check" and "Electronic" when setting up a Payee? Return to Top

Not always. Some Payees use a different account number than what is shown on your bill if you use an electronic method. If you find the Payee on the master list as an electonic payment, you will need to contact your Payee to identify what account number they will accept electronically. If you do not find your Payee on the list, you can add the Payee and use the account number shown on your bill. The BillPayer processor will contact the Payee to determine if they will accept electronic payments and they will adjust the account number if needed.

When can I schedule a Payment? Return to Top

Payments are processed on regular KSCFCU business days, excluding holidays. Any payments scheduled on Saturday, Sunday or a holiday will be processed on the next business day. All payments must be scheduled before 7:00 am each business day, to be processed that day. When submitting payments to electronic merchants, schedule payments at least two days prior to the due date. When submitting payments to paper merchants, schedule payments at least five days prior to the due date. Mortgage payments should be scheduled to be paid on or before the due date. For example, a mortgage payment due on July 1st, with a 15 day grace period, must be scheduled for payment no later than July 1st.

How do I cancel the BillPayer service if I change my mind? Return to Top

Since you used the "ENROLL" button to sign up, there is also a "CANCEL" button to cancel this service. However, if you decide at a later date to "ENROLL" again, you will have to wait for your Payee information to be verified, again.

How do we get more "electronic" Payees? Return to Top

Talk to your Payees! Ask them if they will accept electronic credit payments. They decide if they will accept electronic credits. Many will do electronic debits but do not accept electronic credits. If you have currently been paying a merchant as "electronic" using the old BillPayer, but it does not appear as electronic on the new system, please send an email to Member Services. This email should include the vendor name, vendor address and phone number on your bill.

Where is the "CANCEL BillPayer" button? Return to Top

When you first log in to your account you see your accounts and balances. Across the top are several buttons. The last 2 on the right side are "Enroll BillPayer" and "Cancel BillPayer". Some members have been unable to see the "Cancel" button. This is because their PC setting for "area" or "screen area" is less than 800 x 600. If you can not see the "Cancel BillPayer" button, refer to your PC user guide for how to change this setting.