Bill Pay FAQs
Q: How do I get started with Bill Payment?
A: The first thing you'll need to do is organize all the information about anyone you want to pay through online Bill Payment. You'll need to gather information on each payee to be setup, including:
- Payee Name
- Payee Payment Address
- Payee Phone Number (typically identified for Billing Inquiries on your statement from the Payee)
- Your Account Number with the company or individual Payee, shown on your billing statement from the Payee.
Now you're ready to set up these companies and individuals as your "Payees". Once you've logged on to the FB Online Banking website, select "Click Here for Bill Payments" then "Set-up/Change" and enter the information requested. You'll need to fill in all of the information requested or we will not be able to process your payment.
Payee information should be entered exactly as it appears on the billing statement. Inaccurate or incomplete payee information can cause delays in the posting of payments. Please verify the accuracy of the information that you enter.
Please note that the Account Number is your Account Number that identifies you to that Payee. Please enter this number exactly as it appears on your billing statement from the Payee.
Q: Who can I pay with Bill Payment?
A: You can pay any individual, family member, friend; or any business, merchant, or professional who generates an invoice for products or services. The only bills you can't pay online are those to the government taxing authorities, court directed payments such as alimony and child support, and payees located outside the United States.
Q: Should the payment date I give be the date the payment is actually due?
A: No. The first payment to a Payee must be scheduled at least five business days prior to the due date to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment and should not be adjusted for any grace period. Once we've been notified whether a Payee accepts electronic payments or requires a paper check, after making the first payment to that Payee, then our service will display a message indicating that the Payee requires either two or five days lead time.
Q: How soon are funds actually taken out of my account?
A: Bill payments are debited from your account on the “scheduled payment date” which is the date you want the biller to receive payment. Your account will be debited at this time unless it is a non-business day in which case funds will be debited the day prior.
Q: What is a recurring and non-recurring payment?
A: A non-recurring payment is a one-time payment. These include payments in which the amount fluctuates each time such as your phone bill, or any payment you don't want to make regularly - such as a florist you use now and then.
A recurring payment is one you make regularly for the same dollar amount each time, such as the monthly payment on your mortgage. You only need to setup a recurring payment once. From then on, we'll make the payments for you automatically.
Q: What is your payment guarantee?
A: If all payment guidelines were followed and a payment is still posted late to your account with a merchant resulting in a late fee, at our discretion, we will make an attempt to have the merchant waive the late fees. If the merchant is unwilling to waive the late fees, up to $50 in late fees assessed by the merchant will be covered by us.
Q: How close to the original payment date can I change or cancel a Bill Payment?
A: You can change or delete a Bill Payment up until 24 hours prior to the payment date you originally scheduled. Otherwise a stop payment is required; check our Schedule of Fees for the most current fees.
Q: Do I have to re-enter payee information each month?
A: No. Online Bill Pay is designed to end the repetitiveness of paying bills. You set up your list of payees just once, and use that list month after month. You can add or change payees from your list at any time as your bill paying needs change.
Q: Can I schedule multiple payments to the same payee?
A: Currently you cannot schedule multiple payments to the same payee. However, if you need to make multiple payments to the same payee, you can set up multiple instances of the payee with the same payee information.
Q: Can I make changes to an already scheduled payment?
A: Yes. You may use FB Online Banking to electronically change both the payment amount and the Delivery Date of any scheduled Recurring Payments at any time prior to 1:00 P.M., Central Standard Time, USA, on the Transaction Date.
Q: How secure is my bill payment and personal information?
A: We use several methods to ensure that your information is secure.
- SSL—Secure Sockets Layer ensures that your connection and information are secure from outside inspection.
- Encryption—128-bit encryption makes your information unreadable as it passes over the Internet.
- Automatic Sign Out—Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks.
Q: Can I use assistive technology for access?
A: Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make our bill pay solution more accessible to assistive technology users.
Q: Is there a fee for Bill Pay?
A: Only expedited fees will be charged for Bill Pay Services. Please check our Schedule of Fees for the most current fees