Online Bill Payment
Frequently Asked Questions

When and how are the payments processed?

Payments submitted, recurring or one time, before 2:00 AM CST Monday-Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST.  Payments received after 12:00 Noon CST on Monday-Thursday will be processed the next business day.  Payments received after 12:00 Noon CST on Friday will be processed the next business day.  All payments scheduled to go on a weekend will be processed on the processing day before the weekend.  All payments scheduled to go on a holiday will be processed the day before that date.  Payments entered on the weekend, recurring or one time, will be processed on the next business day.

What happens if I have a scheduled payment that falls over a weekend or holiday?

If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

Can I use Online Bill Payment if I live outside the U.S.?

Yes, as long as you have a bank account in the United States.  However, you cannot pay bills to payees located outside the United States.

Can I get a copy of a cancelled check?

Yes.  You will need to contact the bank for this information.

How long is history retained in the View Payment History section?

Payment history for active and deleted payees is retained and viewable 18 months.

What happens if I lose or forget my ID or PIN?

If you lose/forget your ID or Pin for Netteller or Bill Pay, you may call a Personal Banker at 618-395-8541 or 1-888-937-3178 and with proper verification, your ID or a temporary Pin will be given to you.

 How far in advance should I set up a payment to ensure it is paid on time?

For an ELECTRONIC PAYMENT, allow 3 to 4 business days from when the payment is submitted. 

For a CHECK payment  - the check will be in the mail on the same day the payment is submitted if it is submitted before the 2 a.m. processing.  If the check payment is entered before 12:00 Noon CST, the check will be mailed the following morning.  Allow 5 to 7 business days for a check payment.

Please note that we have no control over the U.S. Postal Service.

Are there minimum and maximum payment amounts?

Electronic payments are validated against the available account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through PowerPay.  You are limited only by the amount of funds in your account.

Can I have multiple payments to the same payee on the same day?

At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

Can I stop a payment?

Yes.  After the check is printed and mailed, payment history will show the check number for that payment.  The stop payment would be added in the same manner as for a regular check written out of your checkbook.  ELECTRONIC payments cannot be stopped. There will be the normal stop payment fee. 

Whom can I pay through Online Bill Payment?

You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.

What do the status fields indicate on the Payment History Page?

Processed - The payment has been processed and sent.

Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.

Communication Failure-There was an error due to communication problems.

Vendor Refund - Payment rejected at iPay.

How many payees may I have set up?

There is no limit to the amount of payees you can set up through the Internet.

Can I edit Payee addresses?

No.  Once an address is entered it stays with that payee.  If you need to change an address it will be necessary to recreate the payee using the new address.

How do I know if a payee is electronic or check?

Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.

What payment frequencies are available?

You can set up payments in any of the following frequencies:

One-time
Weekly
Bi-weekly
Monthly
Semi-monthly
Quarterly
Annually
Semi-annually

When can I edit the dollar amount on a scheduled recurring payment?

You may edit the dollar amount the next business day after the scheduled payment date.

Can I postdate recurring payments?

If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

Can I postdate a single payment?

Yes. Just set the payment date for a valid future date.

Will the memo field I fill out when setting up a payment be passed on to the payee?

Yes, your memo will appear on paper check bill payments. 

The memo field is 40 characters long. Any amount over 40 characters will be cut off.  Memo field information will not appear on electronic payments.

 Are there any merchants that I cannot pay through the Bill Payment service?

No.  Any merchant that is on iPay's database will go electronically.  If a merchant is not on the list you may send the payment as a check.  Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.

When will the money be taken out of my account?

For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CST.  Electronic payments submitted after 12:00 Noon CST is debited the next day during bill pay processing.

CHECK payment funds are debited from the account when the check clears your account at the bank.

What if I do not have enough money in my account?

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

ELECTRONIC payments are verified for funds availability during processing.  If the funds are available, the account that you selected for the payment will be debited and the information sent on to Princeton for processing.  If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds.  Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

 How late in the day can I enter, edit, or delete a payment?

You may add, edit, or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and Noon CST it may be edited up until Noon CST.

 How do I add a New Payee?

Click the Add Payee button from the Payee List page.  Simply enter the information in the fields to perform a payee search.  Select a payee from the search results that matches your payment information to create an electronic payee.  If your payee cannot be found, simply click "None of the results above are my Payee" to create a check payee.

 How do I delete a Payee?

By going to the View Payee List you may click on the red X next to the payee you wish to delete.  Please note:  If you have any payments tied to the payee and you try to delete them you may get a red message that says:

Unable to delete payee: Suzy Que.

An outstanding payment(s) exists.
 

Please select Delete Payee if you wish to delete this payee and all payments tied to it.

You can still delete the payee by scrolling to the bottom of the screen and clicking on delete payee.

How do I delete an Online Bill Payment?

You may delete a payment scheduled for the current day or any days forward provided it is done by 2:00 AM CST on the scheduled payment date.  If it is after 2:00 AM CST and your payment was sent electronically, it is too late to stop it.  If your payment went out as a check, a stop payment can be placed on that check through your customer support department at the bank. Once the payment is printed and mailed, the payment history will show the check number for that payment.

How do I Edit a Payee?

Once a payee is set up you may edit only the "Payee Alias" field and the "Account Number" field.  If you need to change the address on a payee it will be necessary to either delete the payee and re-enter the information correctly as a new payee or keep the existing payee information and add the same payee back in with the new information.

How do I set up a One-Time Payment?

Setting up a one-time payment is just like setting up any other payment.  Once the information is entered and you select one time payment, put in a payment date, and click on submit a green successful message will appear at the top of the screen and you will be brought out to the "View Payees" screen.

What options do I have from the Pay Bills Tab?

This option on the drop down menu will be selected when you want to actually pay the payee's that you have set up.  You can set up as many payees as you want and schedule as many payments as you want.  When paying bills you will be given the option of which account you want to pay the bill from, amount field, a memo line, and an alert when bill is paid option.  This is also the area where you will decide on a frequency rate, payment date, payment description and variable payment option.

 How can I view Payment History?

Payment history for active and deleted payees is retained and viewable for 18 months.  When searching for payments associated with a deleted payee in the payment history area, it will be necessary to do a range of dates for the payment vs. being able to search by payee name.

How do I use the Quick Edit feature?

The Quick Edit feature is used when you would like to edit the memo, amount field, or account to pay from.  If you have selected payments that are variable, this quick edit feature makes it easy to go in on a multiple scale to update the amounts.

How do I set up Recurring Payments?

When setting up a recurring payment you will be given a few more choices than if you were setting up a one time payment.  You will be able to save your memo for future payments.  You will need to decide on a frequency rate, start/stop date, and whether it will be a variable payment or not.  If you choose to always send your payment on the last day of every month you will want to select the box next to the start date that says "Force payment on last day of month".  If you do not choose this box, the months that do not have 31 days will be skipped and no payment will be sent.  If you choose the variable payment option, it will be necessary each month to go back into this payee and enter a payment amount.  If you do not enter an amount nothing will be sent.

What is the View Payee List?

This is a list of all the payees that are established for this NetTeller ID.  They will be listed in alphabetical order by Payee Alias.

What is the View Payment History?

You can view your payment history for 18 months.  You may search by payee name, date range or amount range.  Keep in mind that if you have deleted a payee the only way to search for that payment would be with the range or amount fields.

How do I View Scheduled Payments?

You can view all scheduled payments that you have set up, recurring or one time.  This is also the page where you can quick edit the amount if using a variable payment option.