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Online Bill Pay FAQs

How Secure is Online Bill Pay?

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.

How do I log in to Bill Pay?

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

How do I set up my Bill Pay account?

  • 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.
  • You will be asked to select what you would like to use for the left-most digit for Bill Payment check numbers
  • Click "I Agree" and submit
  • You can now choose to set up other accounts for Bill Payment if you have more than one checking account.

How do I set up the payees?

Before you start this process, you should have a current bill in front of you as you will need information such as the account number, mailing address, etc. from your bill to set up the payee in Bill Pay.
  • select "Add Payees" from the Bill Pay Menu
  • Enter the name, address, and account number of the payee you want to add, making sure the spelling is correct, and click "Submit."
  • If the payee is in the electronic payee database, fill in the information for that payee and click submit.
  • If your account number does not match the required format of the payee, a message will display with an option to set up as a check payee. The account format is set by the payee and may or may not require hyphens or spaces. If the format you entered doesn’t work, you can try again using a different format for the account number.

What if the payee is not in Coulee Bank's database?

  • If a payee cannot be setup as an electronic payee (it is not in the electronic payee database), you will have the option to set it up as a check payment.
  • Click the “Add Check Payee” button
  • Enter the payee information in the required fields and click "Submit."

How many payees are customers able to setup?

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

Can I edit information for an existing payee?

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.

Is there anyone that I can't pay using Bill Pay?

You cannot send an electronic payment to a payee that is not in the electronic database. A check payment can be sent to anyone with a US mailing address.

How do I set up payments?

  • Choose "New Payment" from the Bill Pay menu.
  • Choose "Add Payment" from the Bill Pay New Payment sub-menu.
  • Choose the account you will be paying the bill from and click the down arrow by the "Select Payee" box to choose the payment you would like to make.
  • Enter the amount.
  • Enter a text memo if you wish.
  • Select the frequency of the payment and the first payment date. The date that you enter will be the date that the payment will be sent out (please allow 3-5 business days for an electronic payment and 5-7 business days for a check payment to be received).
  • If you choose a frequency other than one-time, you will need to either enter an expiration date or check the box "This Payment Has No Expiration Date."
  • Enter a description of your payment if you wish.
  • If you have chosen a frequency other than one-time you will have the option to check "Variable Payment," meaning the amount will be different each time. If you choose variable payment, the amount will reset to zero after each payment is made and you will have to enter the new amount before the next payment is scheduled to be made.
  • Click "Submit" and the system will show your payment.

What are the types of payments, and when are transactions processed?

There are two types of payment - CHECK and ELECTRONIC.  Checks are printed and mailed from the JHA Kansas Service Bureau on the day that they are scheduled to be processed. ELECTRONIC payments are processed by iPay and sent out to the payees on the day they are scheduled to be processed.  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.
Bill Pay payments are processed twice a day. The first processing begins at 2:00 a.m. CT, and the second processing begins at 12:00 p.m. CT. Any payments entered after the 2:00 a.m. processing, and before the 12:00 p.m. processing will be processed the same day.

How are holidays and weekends handled?

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.

How long does it take a payment to reach the payee?

  • 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. The only difference is that it will be printed and mailed directly from the JHA Kansas Service Bureau. This usually takes five to seven business days.

How far in advance can a payment be set up?

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.

How long does a customer have to add, delete, or edit a payment?

You can add, edit, or delete a payment prior to 2:00 a.m. CT for the first processing, and prior to 12:00 p.m. CT for the second processing, on the day the payment is scheduled to be sent.

Is there a maximum payment amount?

No. Electronic payments are validated against your account balance prior to processing, and check payments are settled against your account like any other check. Therefore, there is no dollar limitation on payments made through Bill Pay. The customer is limited only by the amount of funds in their account.

When are funds for payments taken out of my account?

  • 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.

What happens if I initiate a payment and don't have sufficient funds in my account?

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 12:00 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.

Can I place stop payments on Bill Pay checks?

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.

Can I delete an electronic payment once I have submitted it?

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.

Are checks drawn against my account mailed to the payee?

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". The checks are printed and mailed directly from the JHA Service Bureau in Kansas.

How can I view my payment history?

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