Bill Pay: What You Need to Know About the Upgrade

The former Bill Pay service has a “Due Date Focus,” which means you would input your bill’s due date, and the system decides when to issue the payment so that it would be paid on that due date. The new, upgraded Bill Pay service has a “Send Date Focus,” which means you can control the date the payment is sent to your payee.

When scheduling a payment’s “Send Date,” note this is the date that funds will be debited from your checking account if the payment is electronic. Electronic payments will be delivered to the payee on the following business day. If the bill will be paid by check, the check will be mailed on the next business day. That payee (biller) will receive the check in accordance to standard USPS delivery timeframes. We recommend scheduling the payment send date far enough in advance to accommodate these timeframes.

Learn how to schedule and edit payments here >>

When scheduling a payment, you will be asked how you would like the payment to be sent. The system will then tell you what day it will arrive at the payee/biller. Based on the Payee’s capabilities, the payment will go out one of two ways:

1. Electronic – If the payment shows as electronic, you should enter the Send Date to be one day earlier than you want the payment to arrive. Funds will debit your account on the Send Date.
2. Check – If the payment shows as Check, you should schedule delivery five business days prior to your intended Due. This five day period allows us time to create and mail the check on your behalf. Funds will debit your account when the check is cashed by the Payee (biller).

PRO TIP: In the new, upgraded Bill Bay service, you could choose to have all of your Bill Pay payment(s) scheduled and sent on a select day of the month, and preferably as long as they are prior to the bill’s due date. For example, if your Direct Deposit is credited to your checking account on the 1^st of the month, then you could schedule all of your Bill Pay payments with a “Send Date” of the 2^nd. This configuration may help ensure you have sufficient funds available. As always, please monitor your accounts!

After the Bill Pay service and Online Banking transition on February 22, we recommended logging in and reviewing your previously scheduled Bill Pay payments. At this time, you may cancel, edit, add or reschedule payments. Electronic payments will now be debited from your account ONE DAY EARLIER than they would have been our former Bill Pay service. Here’s a few examples of how it works:

• On February 10, 2022, you scheduled a one-time mortgage payment of $1,500 for February 28, 2022. The payment is electronic, and will be delivered to the payee on February 28. However, you will now be debited on February 27 for $1,500.
• You set up automatic recurring auto loan payments of $350 for the due date of the 15^th of each calendar month. The payment is electronic, and will be delivered to the payee on the 15^th of each calendar month. However, you will now be debited on the 14^th of each calendar month for $350.

Making changes to scheduled payments is easy. Here’s how to do it >>

IMPORTANT: If sufficient funds are not available in your checking account, we will process the transactions based on the overdraft options you have agreed to and are available. This includes use of your Share Savings Account, your pre-established Overdraft Line of Credit, or Courtesy Pay (at our discretion), in accordance with your account terms and conditions or credit agreement. If you have overdraft protection on your checking account, your request for the Bill Payment transfer out of your checking account will be considered a request for an overdraft transfer or loan advance if it is needed to complete the transaction. Overdraft protection will be handled in a manner consistent with the overdraft services you previously requested and have available at the time.

eBills are electronic versions of paper bills. An eBill arrives from a biller into your Bill Pay account service the same way a paper bill arrives from a biller into your mailbox.

After the transition on February 22, you will need to re-enroll with each eBills payee. This includes entering the credentials (username, password, security questions, etc.) for each payee you have set up. (e.g. PG&E, Charter, SoCal Gas, Verizon, etc.),

Once complete, you will have immediate access to your eBills. If you do not re-enroll, your payees (billers) will begin sending you paper bills in accordance with their accounts receivable guidelines. Note it may take an entire billing cycle for paper bills to resume.

The new, upgraded Bill Pay service payment processing time remains the same as it was in the former Bill Pay service. Payments will continue to be processed at 2:00 p.m. PT on regular business days. Holidays may impact this schedule.