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Frequently asked questions about iPay, a bill paying service.

What is iPay?

iPay is a bill pay service that allows you to make payments to businesses and individuals using your Internet banking account. You can determine who to pay, which account the payment should come from and when to make the payment.

What are the benefits of iPay?

Stay organized - payment history is stored in your Internet banking account.
Save money - paying bils online saves on postage, envelopes and checks.
Save time - pay your bills online, all in one place.

What can I do in iPay?

  • Pay bills from multiple accounts
  • Send single payments or set up recurring payments
  • Schedule future payments
  • View payment history
  • View summary bills from eligible companies in iPay with eBills
  • Set up text and email payment reminders
  • Make electronic payments to individuals with the Pay a Person feature (Each Pay a Person transaction will incur a $1.99 fee).

How do I sign up for iPay?

To apply for iPay, log in to your Internet banking account, select the iPay menu option and complete the enrollment form. Once we receive and approve the application, you'll have access to the iPay tab within your Internet banking account.

How do I make a payment in iPay?

First you'll need to add a payee. Once you add a payee, that company or person will be displayed on your iPay dashboard.

To pay, select the payee and enter the payment amount and date then Submit. The payment is then sent either electronically or by paper check. The method of payment delivery is determined by the vendor. Your payment information, including your bank account number is sent electronically via a secure transmission or mailed via the U.S. Postal Service for any paper checks issued.

Who can I pay with iPay?

You can pay virtually any business or individual with a mailing address within the United States or Puerto Rico.

How long does it take before an iPay payment is received?

Payments may take 7-10 days by mail or 2-5 days if sent electronically.

How are the payments delivered to the payee?

Payments are sent either electronically or by paper check. The method of payment delivery is displayed below the payee name on your dashboard.

How do I know whether the payment I made through Bill Pay will be sent electronically or by paper check?

The method of payment delivery is determined by the vendor. The word Electronic or Check will be displayed below the payee name on your dashboard to help you know whether the payment will be sent electronically or by check.

What is Pay a Person?

The Pay a Person feature in iPay provides a convenient way to transfer funds from your bank deposit account to another individual's deposit account eletronically. Instead of writing a check to your kids, relatives or friends, send a person-to-person payment! (Each Pay a Person transaction will incur a $1.99 fee).

To get started, log in to Internet banking, go to your iPay dahsboard and select Pay a Person or Add a Payee and then Add an Individual.
 

How do I make a person-to-person payment?

Log in to Internet banking, go to your iPay dashboard and select Pay a Person or Add a Payee and then Add an Individual.

There are three options to make a person-to-person payment:

  • Provide the recipient's email address and create a secure password and the recipient can accept the payment electronically with the secure password you created and provided to them
  • Provide the recipient's bank routing number and deposit account information and a payment will be sent electronically
  • Provide the recipient's maling address and a paper check will be mailed.
Please note each person-to-person transaction will incur a $1.99 fee.
 

What are eBills?

An eBill is an electronic summarized version of a paper bill from a company that you do business with that is viewed in iPay. An eBill can only be set up for eligible companies.

Email or text alerts can be created to notify you when an eBill is received. The payment amount and due date is automatically pulled into iPay.

How will I know if eBills are available for a payee?

If eBills are available for a payee you'll see a Set up eBill link below the payee's name on the dashboard.

What information is included in an eBill?

  • Payment due date
  • Minimum payment due
  • Account balance.
There will be a link on your eBill to your account log in on the payee's website that will allow you to view your full bill.

How do I set up an eBill in iPay?

If an eBill is available for a payee, it will say Set up eBill beneath the payee name on your dashboard. Select Set up eBill beneath the payee's name nad enter your log in credentials for the payee's website. Accept the terms and conditions and Submit.

Will I still receive a paper statement when using the eBill feature for a company?

You'll continue to receive a paper bill unless you asked the payee to stop sending you a paper bill.

How do I pay an eBill?

Simply choose the account you want to pay from, enter the amount you want to pay and schedule the date of when you want the payment to be delivered.

How do I know when I've received an eBill?

You'll see eBill Due displayed under the payee's name if an eBill is available. You can also sign up to receive an email or text alert notifying you when an eBill has been delivered to your account.