Bill Pay

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Enrollment & Fees

• + What does “Digital Banking” mean?

  Digital Banking simply means that UFCU Members will have the ease and convenience of conducting their financial business anytime, anywhere from their personal computers, phones, and devices. Our commitment to traditional banking services and principles remains the same. We are updating our services and technology to serve you better. You will have the same great service and access to cash as always.

• + What is the monthly fee for Bill Pay?

  There is no fee. Bill Pay is free for Members with a UFCU checking account.

• + Which accounts are eligible for Bill Pay enrollment?

  UFCU checking accounts are eligible.

• + Does a joint owner have the same access to bill pay as the primary owner on the account?

  Members will have access to their own Bill Pay services, but the payment information will be unique to each Member.

• + Will I have a separate password for Bill Pay?

  No. Bill Pay is accessed from within Digital Banking.

• + Do I need any special hardware or software to use Bill Pay?

  You must enroll in the new Online Banking to access Bill Pay. We recommend the following browsers:

  • Internet Explorer 9.0 or later
  • Firefox 52.0 or later
  • Chrome 57.0 or later
  • Safari 9.0 or later

  Mobile Banking is available to download on these mobile devices:

  • iPhone^®
  • iPad^® products
  • Android^™ smartphones
  • Android tablets

Payees or Billers

• + What is a payee or a biller?

  A payee or biller is any company or individual to whom you make payments. Select Move Money » Pay a Bill, search for a biller in the top search bar, and select Pay.

• + Who can be paid using Bill Pay?

  You can pay any biller with a United States address. Billers may not be tax entities, collection agencies, or court-ordered payments.

• + How do I set up billers?

  Select Move Money » Pay a Bill » Pay. Select + at the top and follow the instructions.

• + How do I know if my bill payment will be electronic or check?

  Select Pay a Bill to view the payment method (electronic or check) for each biller. The system first determines if the biller is able to receive electronic payments. If not, the biller receives a check in the mail.

• + Do I need to notify my billers that I will now be using Bill Pay?

  No. Billers receive your account number and information along with your payment so they can credit your account correctly.

• + How do I delete a biller from my list?

  Select Move Money » Pay a Bill. Search for the biller in the top search bar then select Pay. Select the biller name and then the trash can icon at the top right. Confirm the deletion. Any scheduled payments to this biller are also deleted.

• + How can I change the biller name, the billing account number, or the biller nickname?

  Select Move Money » Pay a Bill. Search for the biller in the top search bar then select Pay. Select the biller name to access the Biller Detail page, which you can edit.

• + What if a biller claims not to have received my payment?

  Provide proof of payment to the biller. Select Pay a Bill » History and find the payment. Select Proof of Payment. If the biller insists that a payment by check has not arrived, you can put in a stop payment like a personal check is made.

Payments

• + How do I place a stop payment on a bill payment?

  Only bill payments issued by check are eligible for a stop-payment request. Complete these steps to request a stop payment and refund:

  1. Select Bill Pay » Payment History and locate the payment in question.
  2. Select the biller name to view the Bill Payment Inquiry page.
  3. In the Reason of Inquiry field, select Request to stop and refund payment.
  4. Enter any additional comments, then select Submit.

  Your stop-payment request will be submitted for additional processing. After submission, stop-payment requests are processed within one business day, and refunds are issued within three business days. A $30 stop-payment fee applies to all stop-payment requests.

• + Can an electronic payment be stopped?

  No. An electronic payment cannot be stopped after the payment date. You can edit and/or delete a pending electronic payment before the payment date only if the payment displays as pending.

  If you send a payment by mistake, you must contact the merchant directly to request a refund.

• + When is the money for a bill payment taken out of my account?

  Electronic Payments: Funds are withdrawn from the users account after the financial institution’s cutoff time on the night of the send date. Checks: Funds are withdrawn when the Biller cashes the check, the same as if the user wrote the check themselves.

• + What is the cut-off time for additions, changes, or deletions to billers and/or payments in Bill Pay?

  Bill payments are processed at approximately 8 AM Monday–Friday. Changes or deletions can be made before funds are withdrawn from your account, but new payment requests will not be processed until the next business day. Payments are not processed on credit union holidays.

• + What do I do with my payment coupon/statement that I used to mail back with my payment?

  Use the coupon or statement to complete the biller and payment information when you first set up your biller. All the information the biller needs is included with your electronic or check payment. You can shred the statement or keep it for your records.

• + Are there any minimum or maximum payment amounts?

  Yes. The minimum payment amount is $0.01 (one cent). The maximum payment amount per biller, per day is $25,000 up to the funds available in your account at the time of payment.

• + How far in advance of the due date should I schedule my payments?

  Allow three business days for electronic payments and seven business days for check payments. UFCU does not process payments on weekends or on federal bank holidays. Be aware that billers may not immediately credit payments when they receive them.

Pending Payments

• + How do I cancel a payment?
  1. Select Pay a Bill » Scheduled and find the payment.
  2. Select Delete, then Delete again to confirm.

Payment History

• + Can I view my history?

  Yes. Select Pay a Bill » History to see the most recent 360 days of your Bill Pay history.

Transfers to Non-UFCU Accounts

• + Can I transfer money to or from my accounts at other financial institutions?

  Yes. You can transfer funds to and from your accounts at other financial institutions through UFCU Online Banking. Select Move Money » Transfer To/From External Accounts. You will need to know the other institution's routing number along with your account number or login credentials.

• + What is the maximum amount I can transfer to or from my accounts at other financial institutions?

  $10,000.

• + What is the account verification process to set up another financial institution for external transfers?

  There are two options. The electronic verification is immediate and requires your login credentials from the other banking institution:

  1. Select » Transfer To/From Your External Accounts.
  2. Select To » Add External Account.
  3. Search for your other banking institution.
  4. Enter your username and password for the other banking institution.
  5. Agree and sign in.
  6. Retrieve and provide the security code if prompted.
  7. Select the account you want to link to. Select Continue.

  The manual verification process takes one or two business days:

  1. Select » Transfer To/From Your External Accounts.
  2. Select To » Add External Account.
  3. Select My bank is not on the list.
  4. Enter the name on the account, routing number, account number, and account type.
  5. Select Continue. We will send a micro-deposit to the external account.
  6. After you receive the deposit, select Transfer To/From Your External Accounts.
  7. Select Verify, then enter the first four digits of the reference code.
• + What is the processing schedule for the account verification process?

  Requests and transfers are processed Sundays through Thursdays at 5 PM (excluding federal bank holidays).

• + Can I use a third-party cash app or service to transfer funds to someone else?

  Yes. PayPal, Google Pay, Venmo, Cash App, and Apple Cash are some of the apps that work well. The recipient will need access to the same app, and they’ll need to share their user name or identifying information with you.

P2P

• + What is P2P?

  It’s a service that Members can use to transfer funds from UFCU to anyone that has an email address or phone number.

• + How do I set up a person to pay with P2P?
  1. Select Send Money to Someone » Pay.
  2. Select ‘+’ to Add Contact.
  3. Enter the person’s First and Last name and their Mobile Number or Email.
  4. In How payment information to be delivered, select Phone or Email.
  5. Set up a security question and its answer. You will give the answer to the person.
  6. Select Save.

  Payments can be set up as one-time, one-time future dated, or recurring.

• + How do I send funds using P2P?
  1. Select Send Money to Someone » Pay.
  2. Select the person to pay, then Next.
  3. Enter the amount.
  4. Select the From account.
  5. Select the send date and whether the payment repeats.
  6. Select Pay, then confirm the payment.
  7. Select Done
• + How do I edit or cancel a pending P2P payment?
  1. Select Send Money to Someone » Scheduled.
  2. Select the payment.
  3. Select Delete or Edit, then confirm the action.
• + Does the P2P recipient have to bank at UFCU?

  No. Anyone with a cell phone number or email address can receive a P2P payment.

• + How long do P2P transfers take?
  • Transfers between two UFCU accounts are instant.
  • Transfers from a UFCU account to the recipient’s debit card is instant, and the recipient pays a $0.75 fee.
  • Transfers from a UFCU account to a recipient via ACH take up to 2 business days. These require the recipient’s routing and account number.
• + Is there a cost for Members to use the P2P service?

  UFCU does not charge to send funds.

• + What happens to the money if the P2P recipient does not accept the funds?

  If after seven days the recipient does not claim the funds, the transaction is canceled. At that point, the sender's account never gets debited.

• + What if the P2P recipient doesn’t know the answer to the security question?

  The recipient must contact the sender for that information. UFCU does not have access to answers that the sender created.

• + How many chances does the P2P recipient get to verify the answer to a security question?

  Three attempts.

• + What if I need a proof of a P2P payment?

  To get proof of payment, select Send Money to Someone » History then select the transaction. Select Print for a PDF or Export for a .csv file.

• + Who gets notified when a P2P payment is delivered?

  Both the sender and recipient are notified when the payment is sent and when it is delivered. Senders are notified whenever a payment is created, changed, or updated.

• + What happens if a P2P payment cannot be sent?

  Both the sender and the recipient are notified when the payment link has expired. If the recipient does not claim the payment from the sender, the payment is canceled, and the sender must set up the payment again.

• + What is a Real-Time P2P?

  This is a service that gives the recipient of a P2P transaction the option to provide the number of a debit card to receive the deposit. The recipient is charged a $0.75 fee per transaction.