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BillPayerQ. How do I sign up for BillPayer?
A. You must first be registered with Personal Credit Union (PCU). PCU applications are available by calling or visiting your nearest service center, or online. Once you're registered with PCU, you can call your local branch and request that BillPayer be added to your PCU account.
Q. How much does BillPayer cost?
A. It's free! Just pay at least one bill in any consecutive three month period to keep your BillPayer account activated. (No minimum checking balance is required.)
Q. What happens if I put in the wrong account number for my bill?
A. In some instances your account number may come back as invalid and your bill will not be paid. If you enter an account number for a valid account, the payment will be made based on the account number that you've entered. Therefore, please pay close attention to the account numbers that you enter for each bill.
Q. What if I don't know the address for the bill that I need to send?
A. When entering your payees into the BillPayer system it is important to have your most recent bill available for the correct address, you can also contact the payee for their complete mailing address. Once you have the address you may choose your payees from a master payee list (Find Payee). In some cases, there may be divisional offices for a business, but the payment address may be a different address, based on your location. If the payee and address you need is not on the master payee list, you may enter it manually.
Q. Can I only pay bills that I receive in the mail?
A. No, you can pay just about anyone, anywhere, for anything.* All you need is an address and account number.
Q. Is my payment sent electronically?
A. Generally, all initial payments are sent as a physical check. Once your payment has been established with the BillPayer system, it will look for a way to send the payment electronically.
Q. Why did I receive a payment error?
A. You probably attempted to make a payment before BillPayer verified the payee address.
Q. What should I do if I receive a payment error?
A. You'll need to delete the payee and input it again. Please wait two to three days before scheduling a payment to that payee. This will allow the BillPayer system enough time to verify the address of the payee.
Q. Is this electronic transfer an Automated Clearing House (ACH) transaction?
A. No. BillPayer will only withdraw money from your account if the whole amount is available to pay that bill, unlike an ACH transfer.
Q. What happens if the money is not in my account on the payment date?
A. BillPayer will not pay your bill. It's your responsibility to make sure you have sufficient funds in your account. If you see "insufficient funds" next to a payment in the payment history screen, your bill was not paid.
Q. What happens if I lose my connection to the Internet or my computer locks up while I'm paying bills?
A. If you receive the confirmation/transaction number, your transaction has been completed. If you lose your connection before receiving this number, you'll need to reestablish your connection and verify that your transaction has been completed. If it has not, you will need to start over with that payment.
Q. How long does it take my creditor to receive payment?
A. Payments made by check will be received within normal mail time. Electronic payments will be received by the merchant within one to four business days. All initial payments could take up to 20 days to be received due to verification processes within the BillPayer system.
Q. How hard is it to use BillPayer?
A. BillPayer is extremely user-friendly.
Q. What is the payee nickname field for?
A. The nickname field is for you to use as a quick reminder of which payee the account is referencing. It's the name that will appear on all your history and pending screens. This is useful because you may have two bills going to the same place, i.e.: Retailers National Bank (Sears and Mervyn's).
Q. Why was the address I entered for payment different the next time that I logged in?
A. Very often, the address that you send your normal check to each month is not the same place where the payee accepts electronic payments. The BillPayer system has automatically updated it.
Q. Can I put a comment on my payment?
A. Yes, you may include a comment in the "Attn" field on the payee setup screen. That comment will appear on all your payments, unless you update it every time you send a new payment. If you're sending a payment to a merchant where you do not have an account number, you can use that field as a comment field.
Q. Can I use my BillPayer account to pay someone else's bills?
A. Yes, but the money is debited from your checking account only and you will want to reference that individuals name as the payee..
Q. Who has access to my BillPayer account?
A. Anyone who has access to your PCU User ID and password can access your BillPayer account. Therefore, it's extremely important that you safeguard that information and do not share it with anyone.
Q. Can I set up all of my checking accounts on BillPayer?
A. It is recommended that you set up only your primary checking account with BillPayer.
Q. How many payees can I set up on BillPayer?
A. There is no limit on the number of payees that you set up in BillPayer.
Q. Do my merchants/payees need to know that I will now pay them with BillPayer?
A. No, it's not necessary to notify your payees that you'll be submitting payments through BillPayer.
Q. What is the difference between “add new payment” and "QuickPay" buttons?
A. The"add new payment" is designed for a single payment. "QuickPay" allows you to make more than one payment at a time. "QuickPay" lists all your payees on one page so you can quickly and easily enter the payments and payment dates in one easy step.
Q. Can I schedule a recurring payment?
A. Yes, by completing the recurring payments section, the same amount will automatically be sent every monthly, weekly, biweekly, etc. until you edit or delete the payment. If you have a recurring payment but the amount changes each month, you can establish a recurring payment as indicated, but each month you will change the amount manually. You can also set a stop date for recurring payments.
Q. If my payment is sent to a false address will I be notified?
A. Yes, the payment will be returned to AltaOne and the money will be deposited back into your account.
Q. What account does the money come from?
A. The money will only be debited from the checking account that you originally set up on PCU.
Q. Do I need to have an AltaOne account?
A. Yes, all services offered at AltaOne require membership.
Q. What happens if my payment is late?
A. It's your responsibility to make sure that your payments are not received late. Please plan your payments so they have ample time to reach your payee by the bill's due date.
Q. Can I access BillPayer when I'm away from home?
A. Yes, you can access BillPayer through PCU anywhere you have access to the Internet.
Q. I have already signed up for PCU, do I have to sign up again to get BillPayer?
A. No, just call your local service center and request BillPayer to be added to your PCU account.
Q. Is there a limit on the number of bills that I can pay with BillPayer?
A. No, there are an unlimited number of transactions available each month.
Q. What is the highest dollar amount that I can pay with BillPayer?
A. You can pay up to $9,999.99 through BillPayer.
Q. When is the money debited from my account?
A. At 5:00 a.m. on the day your payment is scheduled in the BillPayer system.
Q. How secure is BillPayer?
A. BillPayer is located inside PCU, which has been certified secure by one of the top five accounting firms.
*AltaOne Federal Credit Union does not accept payments made payable to government entities such as IRS, DMV, SSA, etc. It is the responsibility of the individual to ensure payments arrive to these entities on time. Due to the sensitivity of these payments, please be sure to use an alternate method of payment.
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