Online Bill Pay FAQs

If you have questions about Online Bill Pay, we encourage you to view the following list of frequently asked questions. If you can't find an answer to your question, please contact our customer service team at (608) 784-9550 or (866) 784-9550.

Frequently Asked Questions

Online Bill Pay is very secure. Each time you log in to online banking, a secure connection is opened to the bank. This connection is protected using a "Secure Sockets Layer", or SSL, which is a security protocol that prevents eavesdropping, tampering, and message forgery over the internet. We offer additional protection to our online users with our firewall technology. Firewalls monitor all data traffic to and from Home Branch, ensuring that only known users are able to gain access.  Our system will log the IP address from which you normally log in and if a login attempt is made from an unusual location you will be asked a security questions that you setup earlier.  Finally, if a payment is made from your Bill Pay account that is outside your normal activity or exceeds a certain threshold, you will be prompted to answer your security questions before the payment is processed.

Log into Home Branch and click the "Bill Payment" tab

  • The first time you go to the Bill Payment tab, you will be asked to designate an account for Bill Payment; note that you can only use checking accounts for Bill Payment.

  • From the Bill Pay Menu, select “Add Payees”
  • Choose either “Pay a company,” “Pay a person,” or “Pay a bank or credit union”
  • Enter the payee information, including the payee name, alias (used for your identification purposes only), account number, address, city, state and zip code
  • Click on Submit

There is no limit to the number of payees you can have.

The only information that can be edited on an electronic payee is the alias name and the account number. If you want to change anything else, you must delete the payee then re-enter it with the new information.

Any information, including payee name, alias, account number, address, and phone number may be edited on a check payee.

Pay a company: 

  • Electronic): Requires routing and account number; paid within 1-2 business days.
  • Check: Mailed and paid within 5-7 business days 

Pay a person: (e.g. friend or relative)

  • Email or text message (Electronic): Recipient provides routing and account number; paid within 1-2 business days.
  • Direct deposit (Electronic): Requires routing and account number; paid within 1-2 business days.
  • Check: Mailed and paid within 5-7 business days 

Pay a bank or credit union: (e.g. mortgage or loan)

  • Electronic): Requires routing and account number; paid within 1-2 business days.
  • Check: Mailed and paid within 5-7 business days 

*Please note that electronic payments are processed through the Automated Clearing House (ACH) system which must first clear through one of the Federal Reserve banks before being sent on to the payee’s financial institution.

Bills will not be paid on holidays or weekends. If a scheduled bill payment falls on a holiday or weekend, it will be paid on the Friday before the weekend, or the last working day before the holiday.

  • An electronic payment takes three to four business days to reach the payee.
  • A check will be in the mail on the same day the payment is scheduled, if it is entered before 12:00 p.m. CT. This is the same amount of time as if you wrote the check out of your checkbook, and put it in the mail on the same day.

You can set up a recurring scheduled payment in advance to any date in the future. A one-time payment can be set up to five years in the future.

You can add, edit, or delete a check payment prior to 11:30 a.m. CT for processing, and electronic payments prior to 1:00 p.m. CT for processing, on the day the payment is scheduled to be sent.

  • Electronic payments: funds are debited the same day that the payment is scheduled to be sent, if the payment is submitted before 12:00 p.m. CT. Electronic payments submitted after 12:00 p.m. CT are debited the next day during bill pay processing.
  • Check payments: funds are debited from the account when the check clears the account in the same manner a check you had written would be debited.

Check payments are handled the same way as if you wrote out a check and had an insufficient balance.

Electronic payments are verified for funds availability during processing. If the funds are available, your account is debited for the payment, and the payment information is sent to iPay. If the funds are not available with the 2 a.m. CT processing, iPay will try again at the 1:00 p.m. CT processing. You will receive a message after processing, informing you that the payment could not be processed due to insufficient funds. The payment will continue to be attempted until you have added the funds to let it go through, or you delete the payment.

Yes. After the check is printed and mailed, the payment history will show the check number for the payment. The stop payment would be added in the same manner as for a regular check written from your checkbook and can be added any time up until the check clears your account. Please note that a stop payment cannot be put on an electronic Bill Payment.

An electronic payment can be deleted up until the time it is scheduled to be processed. Once the payment is submitted for processing, it cannot be deleted or stopped. At that point, it will be your responsibility to contact the payee for a refund, or you can ask us to submit a claim through iPay.

Yes. All checks issued through Bill Pay are encoded just as if they were a check from your checkbook. The signature line on the check is usually printed as "Authorized by Accountholder". 

Click "History" from the Bill Pay menu and select the range to search in the "View Payment History for" box.

  • Bill payments processed in the last 45 days will show under the “Payments” tab. By clicking “view more”, you can see a more detailed description of your payment history.
  • From the mobile app, select Bill Pay, then Bill Payment History