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Bill Pay is accessed within online banking. Set up one-time, recurring, and expedited electronic payments to any individual or payee in the United States. First-time users can self enroll through online banking; click on the Bill Pay tab. For questions regarding Bill Pay, please call 866.416.7349 (5:30 a.m. to midnight Monday through Friday).
Online Bill Pay allows you to pay virtually any business or individual with a mailing address within the United States and Puerto Rico through online banking. For example, you can pay utilities, bills, credit cards, or individuals. You determine who you want to pay, when you want to make the payment, and which FCCB account you want the payment to come from. It’s secure, convenient, and timesaving.
The first step is to add a payee—the person or company you wish to pay.
Once you add your payee, you can start making payments in seconds.
Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
Paying bills online is one of the safest ways to pay bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills, and statements. It also increases your privacy because only you can access your account information, account numbers, and payment history. As a result, you maintain tighter control of your account with real-time access to your payment activity.
Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.
Most scheduled payments are sent electronically; funds are withdrawn from your account on the payment date.
eBill allows you to receive and pay electronic summary versions of paper bills directly from your online Bill Pay account.
eBills are delivered directly to your online Bill Pay account. Once you set up an eBill for a business, an eBill comes directly from that payee to your account (such as cable service providers, phone service providers, utility providers, and credit card companies).
Please contact the payee directly to ensure you continue receiving paper statements.
There are two easy ways to determine if a payee offers eBill. You can check to see if there is a “Set up eBill” link next to their listing on your online Bill Pay homepage, or look for the “Sign up” icon under their name in the “View Payees” section.
With eBill, everything you need is in one convenient location. eBill allows you to streamline your payment routine, have online access to your bills, and eliminate the need to keep track of paper bills. You can also view past summaries at a glance.
Balance due, due date, and minimum payment amount are included. For additional details, there is a link to log in to your account on the payee’s website.
To pay an eBill, choose the account you want to pay from, enter the amount you want to pay, and schedule when you want the payment delivered.
You can sign up to receive an email notice to alert you when an eBill has been delivered to your account.
Web Connect allows account transaction history to be downloaded from within online banking. The file containing the transaction information (known as a QFX file) is downloaded directly from there, which can be uploaded to Quickbooks and Quicken.
Find steps to activate a Web Connect account here.
Mobile banking allows you to view accounts, pay bills, and transfer funds to and from FCCB accounts through your mobile phone. There are also advanced mobile business banking features such as cash management compatibility.
Download the app via Google Play for Android users or the App Store for Apple users.
Mobile banking is a simple and convenient service that is offered by FCCB. Mobile banking gives you access to your accounts right from your mobile phone. It is a safe and secure service that allows you to access your account balances and activity, transfer funds, pay bills, and receive account alerts on your mobile phone.
Our mobile solution is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.
If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS text message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via online banking.
No. No account number, name, or password information will be contained in the text messages sent to your mobile phone via mobile banking. However, it is important to keep in mind that these incoming messages are stored in your mobile phone, and it will be your responsibility to clear out your text messages periodically.
Log on to online banking via TheBankForMe.com > select Options > Mobile Settings > Deselect Activate Mobile Banking Access > click Agree.
Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your mobile settings and make any changes to the wireless provider and/or phone number.
Functionality is limited to sending payments to already established payees. To add a new payee, log on to online banking, select bill payment, and add a new payee. You can then submit payments to that payee via your mobile device.
When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log on to online banking and update your information on the Options > Mobile Settings page. You will not receive SMS text messages regarding mobile banking transactions if your phone number is not correct.
You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.
Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS text messages will be sent to the phone number entered when enrolling for mobile banking, not necessarily the device from which you perform a transaction.
No. You can only add payments to payees already established through your traditional online banking ID.
You must log on to online banking and delete the payment from the main menu of the bill pay module.
Check your phone’s settings to make sure you don’t have alpha-only enabled on the keypad.
There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements:
There is no cost for mobile banking. However, check with your mobile provider as message and data rates may apply. This includes your wireless carrier’s applicable SMS text messaging) fees. Please make sure that you understand the terms of your service with your wireless carrier before taking advantage of our mobile banking service.
There are several ways to obtain help:
Mobile deposit is a feature contained within online banking and the mobile banking app. It allows users to make deposits by taking a photo of a check with a smartphone or tablet; deposits are posted to a specified FCCB account.
All FCCB customers are automatically eligible to use mobile deposit upon account opening via mobile banking. Upon initiation, users are prompted to accept the terms and conditions.
Mobile deposit users must first enroll in online banking. Afterward, the service can be accessed either through online banking or mobile banking app. The app is downloadable for free at the Apple Store or Google Play.
Domestic checks (drawn on or payable at or through a U.S. bank), money orders, Treasury checks, cashier’s checks, and traveler’s checks can be transmitted through mobile deposit. Only items that are made payable to, and endorsed by the customer are accepted. International checks, remotely-created checks (whether in paper or electronic form), checks drawn against a line of credit, and cash are not accepted.
| Consumer | Business | |
|---|---|---|
Daily transaction limit | Consumer Unlimited | Business Unlimited |
| Consumer | Business | |
|---|---|---|
Daily amount limit | Consumer $10,000 | Business $25,000 |
If a deposit is made before 4:00 p.m. MT, the deposit will be credited to the account the same day. Deposits received after 4:00 p.m. MT will be credited to the account the next business day. (Every day is a business day except Saturday, Sunday, and federal or state holidays.)
FCCB’s general policy is to allow customers to withdrawal funds deposited in their account on the first business day after the bank receives the deposit. In some cases, the ability to withdrawal funds beyond the first business day may be delayed. If so, the funds will generally be available by the fifth business day after the day of the deposit. For additional details, please refer to the Regulation CC Funds Availability Disclosure.
Checks should be held in a safe place until they have posted to the account. Afterward, shred and properly dispose of the check, but not later than 14 days. FCCB recommends that users write “remote deposit” and the date of deposit on the front of the check to avoid duplicate deposits. This acts as a reminder of when the deposit was made, and as a reminder to verify that it posted successfully.
Users will receive an email notifying them that their deposit was approved for processing, processed with an adjustment, contained a duplicate, or was rejected.
An incorrect amount error will likely be detected immediately, and prompt the user to correct it before it can be sent. If not, FCCB reviews every remote deposit. If the wrong amount is entered, it will be corrected and an email regarding the adjustment will be sent to the user.
If a duplicate deposit error is detected immediately, the user will be prohibited from submitting it again. If not, FCCB reviews every remote deposit. If a duplicate deposit is submitted, it will be deleted and an email regarding the duplicate deposit rejection will be sent to the user.
To activate, go into the digital wallet on your device and add your debit card number. You may be prompted to contact your bank to complete the activation process.
Free electronic statements are available for all checking and savings accounts. Notifications are sent securely to your email when a new statement is available. Sign up for eStatements by logging into online banking; click on the Documents tab.