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Online Bill Pay FAQ

Do I need to be enrolled in online banking to enroll in CheckFree and how do I sign up?

Yes, you must be enrolled in online banking. You must have an RSNB checking account, a valid phone number and a valid email address. You must also have a residential address within the US.

When you meet these requirements, simply log on to Online Banking and select the "Bill Pay" link located in the menu section. Follow the prompts to review and agree to the Terms and Conditions and Privacy Policy. You will be automatically enrolled and can start paying bills.

How much does Bill Pay cost?

Bill Pay is a FREE service! You may be responsible for other account fees.

How does Bill Pay work?

Bill Pay is available to all personal and sole proprietor accounts.

When a bill payment is set up, it will go into a "Scheduled" status. This means that the payment instructions have been received. You can only change or cancel the payment while it is in Scheduled status. Once the payment shows as Processing, no changes can be made.

When the bill payment is in Processing status, your payment has been approved and is ready to be paid in one of the following three ways:

Electronic - Funds are withdrawn from your account and are delivered electronically to your biller on the payment date you specified. The payments appear on your statement as "Biller Name/Online Pmt CKF".

Draft - A check is generated against your account and is mailed to the biller arriving on or before your payment due date. The check will not clear your account until deposited by the biller. The check number will be a six-digit number that will begin with "99xxxx".

Single Check (Corporate Check) - A check may be drawn against CheckFree's corporate account and mailed to your biller. In this instance, funds are withdrawn electronically from your account on the payment date you specified. The payment appears on your statement as "Biller Name/Online Payment".

Unfortunately, you are not able to specify by how a payment is made, as the method is system generated. CheckFree determines whether a payment is sent electronically or by check, based on their guidelines.

Who can I pay using Bill Pay?

You can pay virtually anyone in the United States that you would normally pay by check, even if you do not receive bills from the company or person you want to pay. (Certain payments are highly discouraged, such as court-ordered payments, state and federal tax payments, and international payments, through CheckFree®. These types of payments will be scheduled at your own risk).

Is there a cut-off time for Bill Pay?

Cut-off time is 8:00 p.m. MST. The term cut-off refers to the deadline by which payments must be scheduled in order to begin processing on the current processing day. Payments scheduled after the cut-off time cannot begin processing until the next processing day.

How much time should I allow to pay bills?

Since billers vary in the amount of time they take to post payments, payment dates are required to be set at least four or fewer business days in advance of the actual due date. If you use the late date or a date in your grace period as a scheduled date, the payment will not make it to the biller on time. Payments that are not scheduled at least four business days in advance of the payment due date will not be covered under the CheckFree® Payment Guarantee.

Why do I have to schedule payments so far in advance?

Some billers do not have the ability to accept payments electronically. As a result, a physical check must be issued and mailed. Scheduling your payments four business days in advance allows adequate time for payments to be received and processed.

When does the money come out of my account?

The date you select is the date that funds will be deducted from your account. It is also the date that your biller should receive your payment. If the payment is electronic, it will come out of your account on the date you selected. If a draft is generated directly against your account, it normally will not be deducted on the date you specify.

How do I know what payments have been made?

There are several ways to verify that a payment has been made:

  • On the Home Screen, select the Activity tab.  Alternatively, you can click on a specific biller and click on the Activity tab which will give you specific payment information to that biller.  From the Activity screen you can view previous transactions, which are presented in the following categories: Scheduled, Processing, and History.  You can also filter the payments by account, status, sort by criteria, and date range.
  • You can also set up payment reminders that let you know when a payment has been processed.

Can I receive my bills electronically?

You can request electronic versions of your statements from your billers. An e-bill will default to the payment amount and due date. When adding a new biller, you will be presented with an e-bills option should the biller offer the service. If you don't select e-bills when your biller is added, you can do so at a later time by selecting the actionable message under the biller on the Pay Bills screen

If the e-bill option does not appear, you can't receive e-bills from that biller.

How do I add new billers?

You can add billers from the Home Screen by clicking on “Add Biller”.  You will be able to pay your bill immediately. It is extremely important if you are paying a company, such as a credit card or utility, that you be sure to include your full account number. The account number will be included with the payment to ensure proper credit by the biller. If you do not have an account number, you may enter the name of the registered account holder.

Why was my bill pay account cancelled?

If your Online Banking account shows no activity for 180 days, your online banking and bill pay accounts will be cancelled. Billers entered into the Bill Pay system will be deleted. If you are a Bill Pay user, we will make every attempt to contact you before your account is cancelled. If your account has been cancelled, you can always re-enroll at any time.

Will the payment be issued if funds are not available?

Yes, the payment is issued. If there are no funds available when the payment tries to post, your payment may be returned and Returned Item fees may apply. If the payment is a draft check and returned, the check will go back to the biller you were paying. If the payment was an electronic payment, the return will go back to CheckFree® and they will contact you directly.

What do I do if my address, phone number or email has changed?

If you need to make any changes to your information you will need to contact Online Banking Support. 

What are same-day payments and overnight payments?

Some billers (primarily large merchants) have the ability to receive your payment the same day or overnight. If a biller has the ability for same-day payments, you will see the option next to the calendar on the Review and Pay screen.  A fee to use the same-day payment option will be displayed when scheduling your payment and will be deducted from your account.

You have the option to make overnight payments to billers who do not accept electronic payments. If a biller can be sent an overnight payment, you will see the next business day as an option in the calendar.  Cut-off time is 1:45 p.m. MST. A fee to use the overnight payments option will be displayed when scheduling your payment and will be deducted from your account.

Who should I contact if I have questions about a specific payment?

If you are unable to find the information needed for a specific payment on the Activity screen, you can create a payment inquiry message by selecting the payment in question and clicking on Inquire about payment. You may also call the dedicated customer care line at 844.822.4609.

Is there a limit to the number of checking accounts I can have on Bill Pay?

There is no limit to the number of checking accounts you can have on Bill Pay. If you would like to add an additional checking account on Bill Pay, please contact Online Banking Support.

What are my bill payment responsibilities?

Your bill payment responsibilities and the responsibilities of the bank are outlined in the Terms & Conditions you accepted the first time you accessed Bill Pay. Select the "View the Terms & Conditions" link at the bottom on any Bill Pay page.

Can Bill Pay be turned off, so it is not accessible through Online Banking?

You may request that Bill Pay be removed from your Online Banking by contacting Online Banking Support.

Can I place a stop payment on a bill payment?

A payment may be edited or deleted anytime the payment is in "Scheduled" status. Payments that have been remitted electronically cannot be stopped. If the payment was remitted by a draft check, call Online Banking Support to place a stop payment. A stop payment fee will apply.

Note: If you cancel an automatic payment, only the selected payment is cancelled. Future payments are not cancelled in the payment schedule. To cancel all payments for an automatic payment, go to the biller on the Pay Bills screen, select the Edit link in the Autopay tile and delete the automatic payment.