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Payments
What is a
payee?
Whom can I
pay using CU OnLine ePay?
Can I use
the ePay service to pay my CU SoCal loan payments?
Am I able to make international payments?
Is there a dollar limit restriction for any single
payment or a total daily limit for the amounts or numbers of
transactions I can send?
How does
a payee receive their payment?
How does the money come out of my account?
Why can’t I make payments from my savings account?
How long does it take for a payment to get to the
intended company?
How do I see scheduled or paid bills?
How will ePay withdrawals appear on my credit union account statement?
When does a payee receive my payment?
My payment is due tomorrow. Will it be on time if I
schedule it right now?
Why do you need as many as four days to process a payment?
What information is included on a payment made by check?
How can I confirm that a payment has been made?
eBills
What is an eBill?
Can every payee send me an eBill?
How do I know if a payee can send
me an eBill?
How do I receive eBills?
How do I know when my eBill has arrived?
Will I still receive a paper copy of the bill through
U.S. mail?
How do I pay eBills?
Can I set up eBills to be paid automatically?
Can I view paid eBills?
Automatic
Payments
How do I select Auto-Pay?
Can I set
up automatic payments?
Q: How do I
sign up to begin using ePay?
A: From CU OnLine, go to the Tools and
Resources section:
1.
Click “CU
OnLine ePay Bill Payment.”
2.
Follow the step-by-step instructions to set up
your bills, and when you’ve finished, you can start using ePay today!
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Q: Once I’m
signed up, how do I access ePay?
A: You can access ePay from the CU OnLine home page under the
Tools and Resources
section.
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Q:
ePay is
available during what hours?
A:
Simply put, all of them. The convenience of ePay is available to all
Members, 24/7, for free. Access your account from home, work, while on
the road, whenever and wherever it’s convenient for you.
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Q: What can I
do within ePay?
A:
ePay allows you to enter and set up manual or automatic payments,
view up to six months of prior payment history, even cancel pending
payments.
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Q:
What does
CU OnLine’s ePay service cost?
A:
Nothing! CU
OnLine ePay is free.
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Q: How is my
personal information being protected?
A: CU SoCal
never transmits your personal financial information without first
ensuring that there’s a secure connection. Below are steps CU SoCal has
taken to protect your information:
1.
>
No one can sign on to ePay without correctly signing on to CU
OnLine using your
account number and password.
>
We use SSL (secure sockets layer), a system that ensures your connection and
information are secure from outside inspection.
>
We use 40-bit or 128-bit encryption (whichever your browser
supports) to make your
information unreadable as it passes over the
Internet.
>
We sign you out of a session if you are inactive for a predefined
number of minutes
(usually 10).
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Q: Do I need
special software to access ePay?
A:
All that’s needed for you to access your account via ePay is a computer
with Internet access and a valid email address. For security reasons, we
recommend that you use recent Internet browser software. Most Members
have success using Microsoft’s Internet Explorer 6.0 or later. America
Online version 5 and Netscape 4.7 or later also work fine.
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Q: I can’t
view ePay screens. Why is that?
A: Your browser may have enabled pop-up window
blockers that won’t allow you to use ePay. They must first be disabled within
your browser settings.
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Q: If I
suspect fraudulent activity on my ePay service, whom should I contact?
A: If you
suspect any fraudulent activity through CU OnLine ePay, call the service
directly, toll-free at
888.918.7565.
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Q: Why do I
have a message box?
A:
There are two
types of messages that will be left here for you from ePay:
·
>
Broadcasts –
Messages that go out to all users to communicate items such as
planned
site maintenance and scheduled down-time.
>
Personalized
responses – Messages that answer inquiries you've sent to our bill pay
service provider.
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Q: Why are
you available 24/7 for ePay inquiries but not for other help?
A:
CU SoCal
selected the bill payment industry leader to provide service to you.
They have the resources to assist you 24-hours a day. The service staff
has access only to bill payment files.
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Q: What is
the name of the bill payment company?
A:
The name of the company that administers our ePay service is CheckFree.
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Q: Can I
reach CheckFree’s customer service by phone?
A:
Yes, you call
the customer service department toll-free at 888.918.7565.
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Q: What if I
want to contact them in writing?
A:
Send all mail
to:
Credit Union of Southern California
Attn: Customer Care
560 Carillon Parkway
St. Petersburg, FL 33716
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Q: What is a
payee?
A:
A payee is
any company or individual you send money to via ePay.
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Q: Who can I
pay using CU OnLine ePay?
A:
You can pay
anyone in the United States that you would normally pay by check or
automated debit, except state and federal tax payments, and payments
that are court-ordered.
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Q: Can I use
the ePay service to pay my CU SoCal loan payments?
A:
Yes, you can use ePay to make payments to your CU SoCal loan, but you
can also set up automatic transfers directly from your account to your
loan by calling us toll-free at 866 CU SoCal, 866.287.6225, or by stopping
by a branch to speak with a Member Service Officer.
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Q: Am I able
to make international payments?
A:
No, payments
can’t be sent to a foreign address.
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Q: Is there a
dollar limit restriction for any single payment or a total daily limit
for the amounts or numbers of transactions I can send?
A:
No, the
service imposes no
restrictions or limitations on your payment activity.
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Q: How does
a payee receive their payment?
A:
Payments are made either electronically (ACH) or by paper check.
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Q: How does
the money come out of my account?
A:
There are
three methods by which money can be sent, two of these
allow money to be withdrawn electronically:
·
> ACH
(electronic) to payee and ACH from you.
>
ePay check to
payee and ACH from you.
>
Personalized
laser check to payee and traditional check clearing from you.
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Q: Why can’t
I make payments from my savings account?
A:
Federal
Regulation D prohibits savings accounts from being used as transaction
accounts.
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Q: How long
does it take for a payment to get to the intended company?
A:
Some companies accept payments on the same or next business day,
depending on the time of day you entered your payment information. For
most bills, it can take two to four business days for the payment to be
received.
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Q: How do I
see scheduled or paid bills?
A: Click “Payment
Center” to view scheduled and paid bills.
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Q: How will ePay withdrawals appear on my credit union account statement?
A:
Withdrawals
will appear one of two ways:
·
> ACH
(electronic) will have the words, ACH ECC WEB TYPE ONLINE PMT and will
include the payee name.
>
Laser checks
will be described as, Draft Withdrawal, with a draft number in the 5000
range. (We can change the range if you’re currently writing checks that
are in the same
range.)
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Q: When does
a payee receive my payment?
A:
The payee
will receive the payment on the date chosen at the time you scheduled
the payment.
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Q: My payment
is due tomorrow. Will it be on time if I schedule it right now?
A:
In some
instances, yes. It will depend on the arrangements the payee has with
CheckFree along with several other factors. You should always try to
schedule payments at least four business days in advance of the payment
due date. The business day cutoff is 10 a.m., Pacific time. If today is
a weekday before 10 a.m. PST, count today as one. Otherwise, the next
business day is day one.
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Q: Why do you
need four days to process a payment?
A:
We don’t always need four days. However, because not all payments can be sent
electronically, we must account for processing and mailing times to
ensure that all payments will be made by the scheduled payment date.
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Q: What
information is included on a payment made by check?
A:
Each check
will have seven items:
>
Your name.
> Payee name.
> Payee account
number.
> Payment
amount.
> Payment Date.
> Signature
Line Comment – Signature on file.
> Clearing
information for ePay’s corporate check or clearing information form your
account for laser checks.
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Q: How can I
confirm that a payment has been made?
A: After the
payment date, check the Pending Payments
and Recent Payments
boxes to see if the payment is processed. Payments that have been processed will
appear in Recent Payments
and have
already been sent to the payee. You can also check the payment account
to see if the funds have been withdrawn.
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Q: What is an eBill?
A:
An eBill is
an electronic version of a paper bill that is sent to you from a payee. You can view and pay the bill online.
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Q: Can every
payee send me an eBill?
A: No, there are
payees that aren’t yet set up to provide you with an eBIll.
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Q: How do I
know if a payee can send me an eBill?
A: If a payee
sends eBills, you’ll be asked to sign up at the time you add the payee.
If you declined eBills when you set up the payee, a sign up link will
appear next to the payee name. When you’re ready to sign up, just click
this link to get started.
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Q: How do I
receive eBills?
A: After you
request eBills from a payee, and the payee has had enough processing time to begin sending
you eBills (usually two to four weeks), new eBills will appear on the
eBills page as either paid or unpaid.
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Q: How do I
know when my eBill has arrived?
A: Notification
that your eBill is ready to view will be sent by email.
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Q: Will I
still receive a paper copy of the bill through U.S. mail?
A: It will
depend on the payee. Generally, when you sign up to receive your bills
electronically, the paper versions will be discontinued.
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Q: How do I
pay eBills?
A: Select the
bill to be paid from “Unpaid eBills.”
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Q: Can I set
up eBills to be paid automatically?
A: Yes. Auto-Pay
is an option available for most eBills. You have the choice to set up
payments for the minimum amount due, pay the balance regardless of the
dollar amount, or set a limit on the amount to pay each billing period.
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Q: Can I view
paid eBills?
A: Yes. Go to
eBills and click “Paid eBills.”
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Q: How do I
select Auto-Pay?
A: You can
select the Auto-Pay
option when you’re
adding a bill. To add Auto-Pay
to an existing bill, click
“Manage my Bills,”
select the bill you would like to set up for
Auto-Pay, and select
“Add Automatic
Payment.”
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Q: Can I set
up automatic payments?
A: Payments can be set up as recurring in nine different frequency intervals:
>
Once a month.
> Twice a month.
> Once a week.
> Every two weeks.
> Every four weeks.
> Every two months.
> Every four months.
> Every six months.
> Once a year.
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