Online Bill Pay. Quick Reference Guide

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2 Reference Guide... 1 What is?... 1 What are the benefits of?... 1 How to Make a Payment... 2 To make a single payment:... 2 Make a recurring payment... 3 How to Add a Payee... 3 Adding a company payee... 4 Adding an individual payee... 6 Other Bill Pay Features... 7 Still have questions about Bill Pay?... 9 i

3 Reference Guide What is? Online bill pay allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and the account you want the payment to come from. What are the benefits of? Online bill pay saves you time and money versus sending payments through the mail. Save time It takes only minutes to pay your bills each month. You save time on trips to the post office and writing checks. Features such as recurring payments allow you to set up a schedule to pay your bills automatically. Save money Online bill pay saves you money on postage, late fees, and checks. Members save on average $145* per year. Stay organized Your payment history is stored online so you won t have to file and sort through paper receipts. Gain peace of mind You can schedule payments in advance so you won t have to worry about paying bills when you travel. Bill pay reminders are also available that notify you it s time to pay your bill. Helps the environment & saves paper - There are no checks to write or envelopes to mail. Plus, you ll do your part to ease emissions from transporting your bill from your home to your biller. *Based on average postage, late fees, and interest paid per year 1

4 How to Make a Payment You can make single or recurring payments using online bill pay. Single payments are payments that are made one time only. Recurring payments are payments that are made regularly such as weekly, monthly, etc. for the same amount, such as mortgage payments or subscription services. To make a single payment: 1. Go to the Payments tab on the navigation bar locate the payee you wish to pay on the list. 2. Select the pay from account (if applicable); enter the amount to pay and payment date. 3. Click Review to review the payment information, or Submit to submit the payment. Your payment will be processed on the date indicated

5 Make a recurring payment 1. Select Make it Recurring. 2. Select the pay from account (if applicable), the amount you want to pay, how much, how often to pay, and whether to pay before or after if payment were to occur on a nonprocessing day. 3. Click Review to review the payment information, or Submit to submit the payment. Your payment will be processed on the date indicated How to Add a Payee You can add a company payee, such as your cell phone or insurance provider, or an individual payee, such as your electrician or friend. 3

6 Adding a company payee 1. Go to the Payments tab on the navigation bar and select Add a Payee. 2. Select Pay a company You will automatically move to the Add a Payee screen. Add the name of the company you would like to pay, your payee s account number, the payee s phone number and payee s zip code. You can find this information on your most recent paper bill. 4. Click Next. 3 4

7 5. You will be directed to this Review screen. Check the payee information that you entered for accuracy and click Submit You will be directed to the Payments tab. You re newly added payee will appear at the top of your payee list with a New indicator for the remainder of the bill pay session. You have successfully added a company payee and can now make payments. 5 5

8 Adding an individual payee 1. Go to the Payments tab on the navigation bar and select Add a Payee 2. Select Pay an individual. 3. Select the how you would like the payment sent by following the Help me choose guide on the right of the screen. 4. Enter a nickname for the payee. The nickname will appear as the payee when you make payments. Examples of nicknames would be Joe s Plumbing. 5. Choose how you would like your payment to be made. 6. Enter their account information. Electronic payments are deposited directly into your payee s bank account. You will need to obtain bank account and routing information from your payee. Check payments are made if your payee s bank account information is unavailable. You will need to provide your payee s mailing address. 7. Click Next and review the information you entered on the previous page. 8. The last step will be obtaining an activation code for the payee you entered. Select the preferred delivery method and click Next. 9. Once you received the activation code from the preferred delivery method, you will enter the code and click Next. 10. You will be directed to the Payments tab. You re newly added payee will appear at the top of your payee list with a New indicator for the remainder of the bill pay session. You have successfully added an individual payee and can now make payments. 6

9 Other Bill Pay Features How to View Pending Transactions Easily review your upcoming transactions by clicking on Payments Menu and selecting View Pending Transactions from the bottom of the screen. A list of all transactions will be displayed with details including payee amount and process date and deliver by date. The display options allow you to modify your search options, sorting by date range, payee, category, and more! How to View History View the status of all your past transactions with the flexibility to search your payment history up to 18 months. Go to the Payments Menu and select "View History." A list of all transactions will be displayed with details including payee amount and process date and deliver by date. Search by multiple categories or a specific category. Search by all payees or a specific payee. Search by process date range. A Display Options tool is available, located in the box directly above the history allowing you to sort based on Payment Status. Enjoy full payment visibility in one simple to use tool, making it easier to balance your checkbook without having to write a single thing down. How to Edit Contact Information Has any of your contact information changed? Keeping this information current is critical to your bill pay needs! Should your address or cell phone number change (or other personal information), update it by following these simple steps. Go to the My Account Menu and select View/Edit Personal Information. You will then be prompted to answer a challenge question. Enter your response and click Submit. To change or add information, simply edit the fields. The options include: Address, Phone Numbers, Address, and Mobile Devices Simply click on Submit to save. 7

10 How to Edit Payee Information Once you ve added your payees, you can edit certain information. Here s how: Go to the Payments Menu. Scroll down through the page to locate the specific payee that needs editing Once you have found the payee, click the payees name. Click "Edit payee" on the right of the screen under "Additional actions." From this screen, you will be able to edit: Account Holder Name, Nickname, Account Number, Default Pay From, and Category. Finalize your edits by clicking Submit Changes. To return to the previous page, click on "Return to payee details." Paying Bills from More Than One Account* Interested in paying bills from multiple accounts within Heartland Credit Union? It s easy to add a pay from account: Go to the My Account Menu and under Pay From Accounts, select Add Account. Enter the draft account information and click Submit Account. An notification will be posted in the Secure Message Center when the account has been approved by your financial institution, and then you are ready to make payments! *Option only available on approved accounts that are set up with alternate account access level III. Still have questions about Bill Pay? Subscriber Support is here to help! Contact Information for Subscriber Support can be found on the Home Page of your bill pay site. There are two ways in which you can contact Subscriber Support for any question or issue you may be experiencing. Chat this feature is always located in the top right-hand corner. Live chat is always available during support center hours. (if applicable) If you prefer a phone call, contact your Subscriber Support Representative. This number is located in the top right-hand corner. 8