Online Bill Pay Plus FAQ’s

[spoiler title="What is the cost of online Bill Pay Plus"] The fee for Bill Pay Plus is $2.95 per month, for an unlimited number of payments. There is no charge for the first three months of service. You can cancel anytime. [/spoiler] [spoiler title="How do I enroll in Bill Pay Plus?"] To enroll you must first be enrolled in online banking. To enroll in online banking and online bill pay plus, please visit our website and look for the online banking information on the homepage. [/spoiler] [spoiler title="Is Bill Pay Plus secure?"] Online bill pay is recommended by security experts as one of the safest ways to pay your bills. According to research, 90 percent of identity theft doesn’t occur through the Internet.* Identity thieves still use the tried and true methods of stealing mail or discarded trash. Combined use of online banking and online bill pay helps to protect consumers against identity theft and check fraud. For additional security, online bill pay requires 128-bit encryption and personalized log-in information. *Research gathered by Javelin Strategy & Research [/spoiler] [spoiler title="How are payments sent?"]Payments are sent two ways: electronic and paper check. On average, electronic payments are sent to more than 70 percent of payees. For payees who can only accept checks, the subscriber’s account is debited electronically and an authorized paper check is issued on behalf of the subscriber. [/spoiler] [spoiler title="What are the benefits of electronic payments?"]Electronic is the fastest payment method for subscribers and greatly reduces the risk of human error. Electronic payments are received by the payee within 2 – 3 business days. [/spoiler]

[spoiler title="What are the benefits of check payments?"]Check payments allow you to pay anyone through your online bill pay account. No more postage or trips to the post office. Plus, check payments through online bill pay are electronically recorded, may be stopped before 12 noon MST on the date they are scheduled to process, and are virtually tamper resistant. The estimated arrival time for checks is based upon the payee’s zip code and is displayed while you schedule a payment. [/spoiler] [spoiler title="Are online bill payments guaranteed?"]Online bill payments are not guaranteed by the US Postal Service or Automated Clearing House Network (ACH). However, online bill pay offers a payment success rate of 99.99 percent and greatly reduces the risk of human error. In the event a check payment is not received, our online bill pay support will stop and re-issue the payment, as well as provide proof of processing to the payee. Online bill pay also provides a history of your payments and payment information is integrated directly into account statements. [/spoiler] [spoiler title="When can payments be scheduled?"]Payments may be submitted at any time, day or night. All payments should be scheduled according to process date and not according to due date. For example, payments should be scheduled to process before the actual due date. Estimated arrival times are automatically displayed during the scheduling process. We recommend scheduling first payments in advance to ensure timely delivery. Payments are electronically debited from your account on the process date. For same-day processing, please schedule payments before 1 p.m. MST. [/spoiler] [spoiler title="Who can I pay with online bill pay?"]With online bill pay, you can pay virtually anyone with a current address within the continental United States, Alaska, Hawaii, and Puerto Rico.[/spoiler] [spoiler title="What if I need more information?"]For specific information or questions regarding our online Bill Pay Plus service, please visit one of our banking centers or contact us at 1-800-488-8489.[/spoiler]