Pay Bills

Frequently Asked Questions

• What is Bill Pay?

  Bill Pay is a free service of Online Banking that allows you to pay your bills online. You can pay virtually anyone, anytime, anywhere in the United States. Making payments online is one of the most efficient and economical features of Online Banking. It saves you the time of writing checks, trips to the mailbox, and time at the post office. It even saves you the cost of stamps. In addition, you can elect to receive eBills - electronic versions of your paper bills - from your Bank of America credit card and a large number of companies like AT&T Long Distance, Sears and Texaco. See the list of companies currently offering eBills.

• What are eBills?

  EBills are electronic versions of your paper bills that you can receive through Online Banking. An eBill comes directly from the biller to your Online Banking service. In addition, a notification that you have received an eBill in your Online Banking account can be sent automatically to an e-mail address that you choose. You can view balances, transactions and other statement information in an eBill. (Each biller offers unique features associated with their eBill.) Then, you can pay it and print it - all online. See the list of companies currently offering eBills.

• Who can I pay with Bill Pay?

  You can pay almost any business or individual that you currently pay by check - your phone bill, loan payments, insurance, credit cards - even your dentist or daycare center. Please note you cannot pay court-ordered payments or state and federal taxes online at this time.

• Is there a limit to the number of bills I can pay within Online Banking?

  There is no limit to the number of bills you can pay. The more bills you pay, the more money you save on mailing costs.

• How are payments that are scheduled in Online Banking delivered to payees?

  Payees are businesses or individuals to whom you are making a payment. Payments you make through Bill Pay are delivered in two ways:

  • Most payments are delivered electronically. Payees who are paid in this way receive your payment information, including your account number, through secure electronic transmission.
  • All other payments are made by a paper check that is issued and mailed to the payee.

• How do I start using Bill Pay?

  To start using Bill Pay, sign on to Online Banking and select the Bill Pay & eBills tab. You'll need copies of your bills to begin adding payees.

• What is a payee?

  Payees are the businesses and individuals you pay through Bill Pay in Online Banking. You create a list of your own payees by using the Add a Payee feature. You can add payees such as utilities, department stores, credit cards and other businesses. You can also add individual payees such as your daycare provider, your doctor, or a relative.

• How long does it take for a payment to reach my payee?

  We recommend scheduling your payments to be processed at least five business days before the actual payment due date. Scheduling payments 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.

• How much does Bill Pay cost?

  Bill Pay is a free service of Online Banking.

• Can all of my bills be eBills?

  EBills are only available from select companies. Refer to our list of eBillers to see who's offering this service.

• How many companies offer eBills?

  The number of companies offering this convenient feature is growing all the time. Refer to our list of e-Billers to see who's offering this service.

• How do I pay eBills?

  You can pay one or more eBills from several places within Online Banking. Unpaid eBills appear in the Incoming e-Bills area on the Bill Pay and e-Bills overview page. You can also click on the e-Bills page directly to view a list of your current eBills. To pay an eBill, you simply choose the account from which you want the bill paid, enter an amount and enter the date you want the payment sent. Our handy calendar tool recommends how many days before the payment is due that you should send it.

• Can I set-up alerts or notifications about a bill payment or eBill delivery?

  Yes, within Online Banking you can set up a variety of alerts that serve as notifications or reminders of payment activities related to a particular payee or eBill. The alert notifications are sent via email. To set up these alerts for a payee, go to the Payees page within the Bill Pay and e-Bills tab, select an individual payee and follow the instructions for alerts. To set up these alerts for an eBill, go to the e-Bills page within the Bill Pay and e-Bills tab, select an individual eBill and follow the instructions for alerts.