FAQs

Set up your payees using the intuitive setup wizard and start making payments. You select the date you need your payment to be delivered by. The bill pay vendor may send your payment using one of three methods:  electronic (ACH), corporate check (drawn on bill pay vendor’s account), or laser draft check (drawn against your checking account). Payments sent via ACH or corporate check will be electronically deducted from your Century Savings Bank account on the requested delivery date.  Payments sent by draft check must be processed and deposited by the receiving payee before the check clears directly from your account.

The method of payment is determined by the biller/payee and a risk score assigned to the payment. Some biller/payees may also set certain dollar limits which determine if payments are sent electronically or if they are sent by check.  This means that your payment could be sent electronically one time and, another time, a payment to the same biller/payee could be sent via check.  The system will also send more check payments out initially while it establishes your normal behavior or if a payment has been recently returned for insufficient funds.

If your account does not have enough money in your account on the “Deliver By” date, the payment will still be sent to the biller/payee and you could receive an insufficient funds charge (as disclosed in our Fee Schedule).  We will try to collect payment a second time within 24-48 hours. If, at that time, you still do not have sufficient funds, a second insufficient funds charge may be assessed. At times, we may work with the biller/payee to try and reverse the payment. If the payment cannot be reversed, we will contact you directly to satisfy your outstanding balance. Your access to Online Bill Pay may also be restricted for payments resulting in insufficient funds.

Payments sent via ACH or corporate check will be electronically deducted from your Century Savings Bank account on the requested “Deliver By” date.  Payments sent by draft check must be processed and deposited by the receiving payee before the check clears directly from your account.

Electronic payments should be scheduled at least one business day prior to the payment due date.  Same-day ACH payments (to certain payees only) can be scheduled for a fee of $9.95.

You should allow 4 business days when scheduling a payment by check.  Overnight check payments can be scheduled for a fee of $12.95.

Typically, the cutoff is at 10:00 pm.  Some billers have a cutoff time prior to 10:00 pm.  In most cases, an electronic payment due tomorrow can be scheduled up until 10:00 pm tonight.

The service vendor will bear responsibility for any late payment-related charges up to $50.00 should a payment post after its Due Date, as long as the payment was scheduled in accordance with the following guidelines:  when scheduling Bill Payments, you must select a “Deliver By” date that is no later than the actual Due Date reflected on your billing statement, unless the Due Date falls on a non-business day.  If the actual Due Date falls on a non-business day, you must select a “Deliver By” date that is a least one (1) Business Day before the actual Due Date.  “Deliver By” dates must be prior to any late date or grace period.

Yes. You can schedule payments weekly, every 2 weeks, every 4 weeks, twice a month, monthly, every 2 months, every 3 months, every 6 months, or annually.   You determine final payment by selecting a specific end date, by selecting a specific number of payments, or by choosing the pay “until I stop” options.

You may register for bill payment at any time by clicking on the “Pay My Bills” link inside online banking.

As soon as the new payee setup process is completed, you will be able to schedule a payment.

The Bill Pay product allows you the option to view and download payment history.

Only checking accounts can be used for Bill Payment purposes.

You can schedule payments 24 hours a day, seven days a week.

Yes. All Bill Payment transactions become part of your account transaction history and show up on your monthly account statement and Online Banking account histories.

Click the “Add New Payee” button from within the Payment Center and type in the payee name.  When adding a major biller/payee, the biller/payee information may already be identified by the Online Bill Pay system; therefore, all you need to do is enter your account information for that major biller/payee.  For smaller or local businesses, the biller/payee information may not readily be available; therefore, you may need to enter more information about the business such as mailing address and phone number.

(Available on desktop only) Go to Pay My Bills>Payment Center>Click on the Payee Name.  On the Edit Payee Details page, find the Account number section> click on the “change” link>click in the box to verify that you are not a robot>Enter your new account number twice>Click Save Changes.

Go to Pay My Bills>Payment Center>Click on the Payee Name. On the Edit Payee Details page, enter the updated address information and click Save Changes.

Bill Payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

No, Bill Payment can support multiple funding accounts.  You select which account you would like each bill to be paid from.

Anyone in the 50 United States and territories who can accept a check can be paid using the Bill Payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) should not be processed through our online Bill Payment system.

You can set up your payments during the weekend. However, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the next business day.

Each bill payment is debited separately.

If you select the wrong payee from your list of available payees or make a payment to a payee with an invalid remittance address, then you will be responsible for the late fee. If you make a payment to a payee with a valid remittance address, and the bill pay vendor routes the payment incorrectly, then the bill pay vendor will take responsibility for the late fee.

A payment may be edited or deleted prior to the Deliver By date and up until the status has changed to “Processing” on the delivery date. Payments that have been remitted electronically cannot be stopped. Stop payment requests for check payments must be directed to Customer Service at 844.927.2463 ext. 1081.  The Bank’s current Stop Payment Fee (as listed in our Fee Schedule) will be charged to your checking account at the time the stop is placed.