Online Bill Pay

1. What is Bill Pay?
2. Is Bill Pay secure?
3. How do I sign up for Bill Pay?
4. How can a view the Bill Pay disclosure again?
5. What type of account do I need to make payments with Bill Pay?
6. When are payments processed each day?
7. What is the difference between a payment that takes 2 day and payment that takes 5 days?
8. What is the maximum payment per check?
9. How do a set up a merchant/business to pay?
10. What is the difference between Pay Bills and Quick Pay?
11. How do I track payments through the Bill Pay system?
12. How to Contact Us with additional questions?

1. What is Bill Pay?

Bill Pay is an Internet Banking product that will allow you to pay bills anywhere you can get Internet access. Bill Pay for Personal Accounts is free when customers sign up for email statements. Sole Proprietors and Organizations can sign up for Bill Pay for Businesses for a flat fee of $5.00 per month. Our Bill Pay system will allow you to pay a bill one time, weekly, every two weeks, twice a month, monthly, every two months, quarterly, every four months or twice a year. Setting up a merchant to pay and paying bills is fast and easy. You will save time and money (postage, envelopes, etc.) when you use our Bill Pay system.

2. Is Bill Pay secure?

Bill Pay is a part of our EZ Online Banking system which is on a secure server. These means in order to access your accounts you enter through a Secure Socket Layer (SSL), which creates a 128-bit encrypted connection between your browser and our host secure server. The system is monitored and protected 24 hours a day, 7 days a week, 365 days a year. You need a user code, password and multifactor authentication challenging questions to access EZ Online Banking and Bill Pay. If you have any additional questions regarding the security of our Bill Pay system, please stop in the Farmers State Bank Main Office at 112 W. Fulton Street in Waupaca, WI and talk with Laine or Jay or call them at 715.258.1400.

3. How do I sign up for Bill Pay?

Bill Pay is free with email statement. If you are not already signed up for email statement click on the link and fill out the application for email statements .
Click on link an fill out the contact us form. Please fill in the top information and then type "Enroll in Bill Pay" in the questions or comments area at the bottom of the form. Once we receive the email we will put a Bill Pay Enroll button within two business days in Online Banking (to the right of Express Transfer).
Click on the Bill Pay Enroll button and then click on next when it asks you which program you want to enroll in (this is your only option in the drop down menu). You will then come to a screen that asks for your Bill Pay User Code and Bill Pay Password. These are the same as your Online Banking User Code and Password and will only need to be entered this one time. You can click on the terms and conditions to get a print out of the Bill Pay Disclosure. After you enter your Online Banking User Code and Password click ok it will take you back into Online Banking. You will find your new Bill Pay link just below the Express Transfer and Transaction Search section.
If you have any questions regarding signing up for Bill Pay please contact our Bookkeeping Department at 715.258.1410. Thank you.

Only sole proprietors and organizations can sign up for Bill Pay for Businesses. If you business is a partnership, corporation or LLC, you can contact Laine Lazers, Signe Lunde or Jay Krcmar at 715.258.1400 to discuss Bill Pay for your business. These will be approved on a case by case basis. There will be a flat fee of $5.00 per month for Bill Pay for businesses.
Click on link an fill out the contact us form. Please fill in the top information and then type "Enroll in Bill Pay" and "your business name" in the questions or comments area at the bottom of the form. Once we receive the email we will put a Bill Pay Enroll button within two business days in Online Banking (to the right of Express Transfer).
Click on the Bill Pay Enroll button and then click on next when it asks you which program you want to enroll in (this is your only option in the drop down menu). You will then come to a screen that asks for your Bill Pay User Code and Bill Pay Password. These are the same as your Online Banking User Code and Password and will only need to be entered this one time. You can click on the terms and conditions to get a print out of the Bill Pay Disclosure. After you enter your Online Banking User Code and Password click ok it will take you back into Online Banking. You will find your new Bill Pay link just below the Express Transfer and Transaction Search section.
If you have any questions regarding signing up for Bill Pay please contact our Bookkeeping Department at 715.258.1410. Thank you.

4. How can I view the Bill Pay disclosure again?

View the Bill Pay disclosure.

5. What type of account do I need to make payments with Bill Pay?

To subscribe to Bill Payment, you must have a checking account in good standing with us in accordance with our criteria. If you have more than one checking account with us, you will need to select which checking account you want to use as you pay each bill on the system. If you have a Money Market Deposit Account (MMDA) set up with us, please understand that the normal check writing criteria for that account will need to be followed on a monthly basis. If you continue to go over your limit we will change your MMDA to a NOW Account Checking.

6. When are payments processed each day?

Payments are processed Monday through Friday at 1:00 PM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment.

7. What is the difference between a payment that takes 2 day and payment that takes 5 days?

The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required.

Any Payments made with the Bill Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee.

8. What is the maximum payment per check?

The Bill Pay System is restricted on personal accounts to pay no amount more than $2,500.00 per check or the balance in your checking account on the day you authorize payment. The system currently cannot look at your Personal Reserve Account, Savings Account or any line of credit you have set up to pull money into your checking account if you do not have enough funds in your checking account for that payment. Sole proprietors and organizations can make payments up to $5,000.00 per check or the balance in their checking account on the day the payment is authorized.

9. How do a set up a merchant/business to pay?

You can set up merchants/businesses by clicking on "Merchant Accounts" on the left under the Bill Pay section. Then select "Add Merchant" and fill in the following information:

	Merchant - this is where you enter who to make the check out to. If the company name is different than who to make the check out to, you enter the check information under the Merchant field and the business name under the first address field.
	Address - this is where you enter the address of the company you are paying. If the company name is different than who you make the check out to, you enter the check information under the Merchant field and the company name under the first line of the address field.
	City - this is where you enter the City of the company you are paying
	State - this is where you enter the State of the company you are paying
	Zip Code - this is where you enter the Zip Code of the company you are paying
	Phone Number - this is where you enter the Phone Number of the company you are paying. This number is used by Paytraxx (our third party company that services our Bill Pay system) when you have asked for a payment to be researched.
	Account Number with Merchant - this is your account number with the merchant (company you are paying)
	User Specified Account Name - this is additional information you would like to show on the check. For example, if you were paying rent to a landlord you could put "Rent for John Doe Apt #8" so the landlord would know who is paying them.
	Frequently Used Merchant - if you leave the check mark in the box it will show up as a "Frequently Used Merchant" on your Pay Bills or Quick Pay section. If you uncheck the box it will show up under the heading "Other Merchants" in the Pay Bills or Quick Pay section.

10. What is the difference between Pay Bills and Quick Pay?

Pay Bills is used when you want to make payments one merchant at a time. If you are only entering one payment on the system this would be the place to do it. If you would like to enter payments to multiple merchants at the same time, Quick Pay is the best option. You can go down on the list and enter payments all on the same screen for multiple merchants.

If you enter a payment in Quick Pay it will take the merchant off the list until the payment comes out of your account. If you need to make another payment to this merchant you can always make your payment through the Pay Bills section. The merchants do not drop off the list in the Pay Bills section.

11. How do I track payments through the Bill Pay system?

You can track your payments a couple different ways. You can select "Scheduled Payments" on the left and view all scheduled payments on one screen. You can also track your payments through the "Payment Calendar" on the left. When you select "Payment Calendar" it will give you all the payments in a monthly calendar. If you would like to select an individual payment you can click on the amount of the payment and the hyperlink will take you to the payment history of the payment. You can also select "Payment History" and track individual payments or multiple payments through the search menus.

12. How to Contact Us with additional questions?

If you need help or have any other questions, please call 715.258.1410 and ask for help with Bill Pay. You could also email us through our secure contact form and we will research any question you might have.