Q: How does Bill Pay work?
A: Bill Pay allows you to set up payments to businesses and individuals. Once you enter a payment instruction, the request is submitted at 8 PM Central time, Monday through Friday (excluding holidays). Depending on the payee, your payment will be sent either electronically or by paper check the next business day. The funds are deducted from your bill payment account on the scheduled date.
Q: When should I set up my payments to make sure they are paid on time?
A: Minimum payment lead times will be provided on screen, based on whether the payee accepts electronic payments or paper check payments (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of three business days before the payment due date. For paper check payments, payments should be scheduled a minimum of six business days before the payment's due date.
Q: How long does it take to set up a new payee in the online bill pay service?
A: Setting up a new payee takes only minutes. Once the new payee is entered, you can begin paying bills to them immediately.
Q: How do I delete a payee?
A: To delete a Payee from Bill Pay, cancel scheduled payments for the payee by accessing the "Scheduled Payments" screen and click "Cancel". Go to the "My Payees" list and select the payee name you would like to delete. From this screen, choose "Delete" and your payee will be deleted.
Q: After enrolling, how quickly will I be able access Bill Pay?
A: After enrolling, you will be able to access Bill Pay immediately.
Q: From what types of accounts can I pay my bills?
A: MidFirst Private Bank checking accounts are eligible for the Bill Pay service. If you want to pay bills using your MidFirst Titanium Money Market, you must use a Titanium Money Market check. If you want to pay bills using your MidFirst home equity line of credit, you must use a line of credit check or your HomeLine Card.
Q: Can a joint owner on an account use that account for Bill Pay?
A: Yes, a joint owner on an account can use Bill Pay, provided that the account is a qualified MidFirst Private Bank checking account.
Q: How do I add a Bill Pay account?
A: If you would like to add a Bill Pay account to use more than one account to make bill payments, click on the "Customer Service" tab and select "Customize Accounts". Choose the account(s) you would like to use for bill payment and place a checkmark in the box, then select "Save Changes."
Q: How do I delete a Bill Pay account?
A: If you close an account, that account will be deleted from your Bill Pay screen by an online specialist within 3-5 business days. If you would like to delete an account from bill payment, click on the "Customer Service" tab and select "Customize Accounts." Choose the account(s) you would like to delete from bill payment and uncheck the box, then select "Save Changes."
Q: How do I change a Bill Pay account?
A: To change an account used for bill payment, click on the "Customer Service" tab and select "Customize Accounts". Choose the account(s) you would like to change and check the box, then select "Save Changes."
Q: Can I set up a payee in another country?
A: Online bill payments may only be made to a United States payee, which includes Guam, Puerto Rico, U.S. Virgin Islands, and international U.S. military bases in U.S. dollars.
Q: Are there any payments I cannot make using the bill pay service?
A: Payments cannot be made in foreign currency or to international payees. In addition, you cannot pay court-ordered payments or tax payments, such as alimony, child support or Internal Revenue Service payments. For payments to U.S. government agencies, Bill Pay has limited ability to research any issues that may arise due to the government’s strict adherence to the Consumer Privacy Act. Bill Pay will not be responsible for any late fees or penalties that may be incurred by these types of payments.
Q: Do I need to contact my payees to tell them I am using an online bill payment service?
A: No, your payees do not need to do anything different to process online bill payments and your payment information is clearly indicated on the payment.
Q: How do I add a payee?
A: To add a payee in Bill Pay, go to "Pay Bills" and type the payee name in the “Pay someone new box.” If the company is not listed, you can manually enter the payee information.
Q: What does the payee receive with my payment?
A: Your payee will receive either an Automated Clearing House electronic payment or a paper check. The payment is appended with information you have provided, such as your name and account number, so the payee can properly credit your payment.
Q: How far in advance can I schedule a one-time payment?
A: You may schedule a one-time future payment for up to 364 days in advance.
Q: If I want to schedule a payment for the future, what date should I put in the “Transmit Date” field?
A: For a future-dated payment, this should be the date you want your payment transmitted, which is the date the payment is extracted for processing. To ensure on-time payment, allow at least six business days for paper checks and three business days for electronic payments.
Q: Can I make multiple payments to the same payee on the same day?
A: Yes, you may make multiple payments to the same payee on the same day, provided the payment amounts are different. For your protection, the system will not pay duplicate items to the same payee on the same day.
Q: How late in the day can I enter, edit, or delete a payment?
A: Any new bill payments entered by 8 PM Central time will be accepted for processing that day. If they are future dated, they will remain in the pending queue until 8 PM Central time on that date. Payments entered after the deadline will be processed the next business day.
Q: Can I make changes to an already scheduled payment?
A: If the payment is still pending, you can make changes. However, once the payment has been transmitted, you can no longer make changes or delete the payment.
Q: When can I cancel a payment?
A: You can cancel or modify your payment online at any time before the cutoff time of 8 PM Central time on the payment transmission date.
Q: Can I set up multiple recurring bill payments to the same payee?
A: iManage Personal Banking® does not provide this option. However, if you wish to make multiple recurring payments to the same payee – for example, you wish to pay ABC Insurance on the fifth of each month for car insurance, then again on the 15th of each month for home insurance – you could set up the vendor as two separate payees, one for each type of payment.
Q: Can I edit the payment amount of a recurring pending payment?
A: Yes, you can edit the amount of a recurring pending payment by clicking on “Scheduled Payments” and changing the pending payment amount. If one of the payments has already been made, you will first need to change the start date of the recurring pending payment to the date when the next payment should be processed. You can then change the amount. This change will only affect the payments that have not yet been made.
Q: How do I change a payee’s name and address?
A: To change a payee name and address, from the "My Payees" list, click the "Payee" to view details. You can select "Change Information" to make the necessary changes. If the payee was manually entered, you may change the payee phone number, account number, nickname, category, and name on the account. For other changes regarding payees that were not manually entered, delete the payee and re-enter it with the correct information.
Q: If there are insufficient funds in my account at the time a bill payment is processed, will the payment still be made?
A: Before a payment is made, the bank will verify the balance of the Bill Pay funding account. If sufficient funds are not in that account on the scheduled payment date, the payment may be delayed or canceled. If the payment is made, your account is subject to the standard overdraft fee as stated in MidFirst Private Bank’s fee schedule. Once your account becomes overdrawn, all other pending payments are placed on hold until your account balance becomes positive again.
Q: How often are bill payments processed?
A: Payments are processed Monday through Friday, excluding holidays.
Q: How soon are funds actually taken out of my account?
A: The funds are deducted from your bill payment account on the scheduled date.
Q: Will bill payment activity that I perform today be reflected “real time” in my bill payment reporting function?
A: Bill payment reporting is not “real time.” Activity reports do not reflect bill payment activity until the day following the activity.
Q: What items are included in the “Total Paid” calculation?
A: The “Total Paid” only includes those payment transactions that have already been processed and paid. Pending and cancelled payments are not included in this total.
Q: Can I place a stop payment on a bill payment that I have already set up?
A: You cannot place a stop payment on a bill payment that was sent electronically or that has already cleared the bank. However, if the payment was made via a paper check that has not yet cleared, you may contact iManage Personal Banking Support at 888.MIDFIRST (643.3477) and press option 6 to arrange for a stop payment.
Q: What should I do if my payee says they have not received my payment?
A: If a payee says they have not received your payment, contact iManage Personal Banking Support at 888.MIDFIRST (643.3477) and press option 6, an Online Specialist will be happy to research your payment.
Q: Can I get a copy of a canceled check paid through the online bill pay service?
A: Cancelled checks can be viewed on your iManage Personal Banking by selecting "View Bill Payment Reports". Locate the payment from the list and click "View Check Link". This will allow you to view the front and back of the cancelled check.
Q: Are all payees eligible for eBills?
A: No, not all payees will have an eBill option. Please see the list of common billers with eBills.
Q: What happens when I set up an eBill and I have entered the incorrect login credentials for their biller’s website?
A: If you enter an invalid user ID or password, you will be presented with an error message stating there was a credentials failure and a prompt to correct. If it fails again, you will receive the same message again. The system does not have a limit on how many times a user can try this, but the biller may lock the customer out of their website.
Q: What if I un-enrolled my online account or bill pay, and had previously signed up for eBills?
A: If you are un-enrolled from their online banking or bill pay, all eBill relationships with their payees will be discontinued for the customer. Our system will send a notification to the payee that the customer should be removed from the eBill file. The customer will no longer have access to their eBill (unless they saved the electronic file to their computer) through online banking or bill pay. A customer may still have access to their previous bills through the payee’s website. A customer will also be responsible for reinitiating their paper bill.
Q: Can I change or delete the auto-pay setup for an eBill?
A: Yes, you can make changes or delete the auto-pay setup for an eBill.
Q: What if one of my payees does not offer an eBill, can it be added to the list?
A: We can take requests for eBill functionality, but we cannot guarantee it will be added to the list.