More Questions?

Need Clarification?

Call us at
812-253 MYCU(6928)

Q:  How do I enroll in Bill Pay?

A:  It’s easy—there are no forms to complete and no paperwork. Once you are logged into Online Banking, click on the Bill Pay link on the left hand side menu. The first time you click on that link, an enrollment screen will be displayed. Just agree to the terms and conditions and you can begin adding payees and making payments immediately.

Q:  Do I need to have a certain type of account in order to enroll in Bill Pay?

A:  Yes.  Members must have a checking account to use Bill Pay.

Q:  Will my payees transfer to the new Bill Pay system?

A:  Yes.  Your existing payee names will be added to all of your accounts. 

Q:  Should I go onto my Bill Payment section on Online Banking and make sure all vendor information is accurate?

A:  Yes.  We need all members that utilize our Bill Payment service through Online Banking to verify that account information set up for bill pay is accurate. Pay particular attention to the payee's name, address and account number. Please take a few minutes to double-check your information, as it will aid the credit union in a smoother transition as we enter the final phase of our data system upgrade. Thank you in advance.

Q:  How do I set up new payees?

A:  Click on the Bill Pay link on the left hand side menu then click Manage Payees from the sub-menu. Choose the type of payee (non-Heritage Federal Credit Union payee, Heritage Federal Credit Union Loan, Heritage Federal Credit Union Credit Card), and enter your payee information from the most current bill received. When setting up your payees, please make sure that the information is obtained from the most current bill received. This will avoid any processing delays, which are often caused by an old or incorrect account number or an incorrect mailing address. Once you’ve added one or more payees, click on the Make Payment link on the Bill Pay sub-menu to schedule payments.

Q:  How do I make a payment online to a loan (other than an HFCU loan)?

A:  First, you must add one or more payees (See “How do I set up new payees?”). Once you have set up payees, click on the Make Payments link from the Bill Pay sub-menu to make your bill payments. To make a one-time payment, click on the Payments tab and follow these simple steps:

• If you have more than one checking account, choose the account from which you’d like  to make the payment.
• Enter the payee name.
• Enter the dollar amount of the payee.
• Enter the date that you wish the funds to be withdrawn from your account.
• It is important to note that this is not the due date; it is the date that funds will come out of your account. You can schedule funds to be withdrawn anywhere from the same day or up to a year in advance. However, you must allow enough time for the payment to be received and processed by your payee. Heritage Federal Credit Union recommends that you schedule your payments a minimum of 5 to 7 business days in advance of the due date. Depending on the payee, payments may be sent electronically or via U.S. Mail; but even electronic payments need at least 3 business days to be processed. Be aware that some payments, which require a coupon or a payment stub, may take longer to process by the payee.
• If you are making a recurring payment, select the Recurring Payment tab. Choose the account from which you would like to make the payment, the date you would like the recurring payment to start, the payee name, dollar amount and frequency of the payment (monthly, weekly, etc.) and the total number of payments. You can enter a number up to 999 for the number of payments. Make sure to enter a number greater than 1, or the payment will only be made one time.

Q:  When will payments be processed?
 
A:  Your account will be debited around 9:00 PM on the scheduled withdrawal date, Sunday through Friday.  Payments are processed for you and sent to the payee the following morning (meaning that payments are sent Monday through Saturday mornings).  Saturday payments are electronic only—no ACH or mail payments are sent on Saturdays.  Payments are not sent on Sundays or holidays.

Q:  If I have payments set up for any time after October 30, will they still be processed?

A:  Yes. 

Q:  What if a vendor says they have not received a bill payment that has already been sent out from my checking account?

A:  You can call our Information Center at 812-253-MYCU (6928) and we will research the payment for you.

Q:  Will I still be able to choose a semi-monthly payment option?

A:  No.  Members will need to schedule 2 payments per month on the new system to accomplish the same thing.

Q:  Will the daily recurring options still be available under the new system?

A:  No. Daily recurring options will not be available.

Q:  How do I know whether a payment is made electronically or by check?

A:  The Method column on the Payment History screen shows whether a payment is made by check or electronically. Please note that payees that are not in our database are paid by check the first time a payment is scheduled, even if they can accept electronic payments, but are paid electronically thereafter. In addition, there are some payees who may never be paid electronically, even if the payee accepts electronic payments. Heritage Federal Credit Union and its payment processor reserve the right to determine the most appropriate way to make the payment.

Q:  What does Bill Pay cost?

A:  Bill Pay is FREE.