CheckFree/Bill Pay FAQ

General Bill Pay

The Bill Pay system will load in a new window or tab at the top of your web browser. If the Bill Pay window does not load automatically, you may need to allow pop-ups and reload the web page.

How do I add and pay a bill?
Have your paper bill handy and sign into your Online Banking Account and navigate to the Payment Center. Then, find a biller. Click on the Add Company or Person button. Search for your biller. If you don’t find your biller, you’ll need to enter their information. Enter the Account Number from your bill then fill in the address you’d mail your payment to. Next, give it a nickname that helps you identify the bill. Finally, schedule a payment. Select a payee, enter the payment amount, select the date you want the payee to receive the payment and click Send Money.

How do I delete a bill?
Deleting a bill is simple. Sign into your Online Bill Pay, navigate to Bill Pay and go to the Payment Center. Select the Company or Person and click on the “Details” link. Select the “Remove” option and save.

Will I be able to see my payment history?
Yes, your payment history is available to view for up to 2 years. You can locate your history by selecting the “Activity” tab in the Payment Center.

*Your payment history will be available going forward from June 15, 2016. If you have questions regarding transactions made before this date, please reference your monthly statement .

How will I know if my bill was paid through Online Bill Pay?
To see if payments have been paid, select the “Activity” tab. You can also view the bill details by clicking on a payee in the Payment Center which will let you know the type of payment sent and if the payment has been received. If you need assistance, call Online Bill Pay Support at 844-596-1615.

Who can I pay with Online Bill Pay?
You can pay almost anyone in the United States: national bank card companies, mortgage or auto loan companies, department stores, your landscaper or the babysitter.

However, individual or businesses outside the United States and its territories are not eligible for Bill Pay services. Tax payments and court-ordered payments can be made with Bill Pay, but they are not covered by the CheckFree Guarantee.

Can I be notified about a scheduled payment once it is paid?
You can set up “Reminders” and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent. Click here for a step-by-step process on how to set up reminders.

– Sign into your Online Banking Account

– Navigate to the Payment Center

– Select the bill you want to set up

– Select the Reminders link

– Enter a typical due date and amount for the bill

– Choose how often you receive the bill

– Enter when you want to be reminded

– Enter your email address

– Choose when to be notified

– Click on Send Reminders

Scheduling Payments

Can I schedule a bill to be paid on a weekend or holiday?
No. In Online Bill Pay, only business days will show as available pay dates. If you have an automatic payment that falls on a weekend or federal holiday that payment will automatically be adjusted to the closest business day. For example, if your automatic payment is scheduled for Saturday, it will automatically be rescheduled for the Friday before.

How many days in advance do I have to set up a payment before the day I want my bill paid?
You will need to schedule your payment at least 1 business day before the payment due date for electronic payments and at least 3 business days prior to the payment due date for paper check payments. The Bill Pay system will automatically tell you the earliest delivery date that your payment can be received. You can select any valid payment date between the earliest day, and up to 365 days in the future.

Can I be notified about a scheduled payment?
You can set up “Reminders” on billers and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent.

Can I customize my reminders?
Yes, you can choose how many days before the due date you want to receive them, when the bill is received, how much is due, and which e-mail reminders you want (when payment is due, when payment starts processing, and if payment is not paid by the due date).

How do I stop getting reminders?
Click on the “Reminders” button for the payee you want to stop getting reminders for. At the bottom of the new box that appears, choose “Stop Reminders”. You can also change reminders on this page.

How do I set up reminders?
Click the “Reminders” button for the payee you want to set up reminders for and click “Set Up Reminders”. Answer all the questions and choose all the options that fit your needs.

Automatic Payments

What is the difference between an eBill automatic payment and recurring payment?
If you are receiving an electronic version of your paper statement in your Online Bill Pay account, you can set up an eBill initiated automatic payment. This means Online Bill Pay will automatically pay your electronic bill when it is delivered. Remember, any changes made to an eBill automatic payment will take effect on the next eBill received.

– Sign into your Online Banking Account

– Navigate to the Payment Center

– From the Send Money tab, select the bill you want to set up

– Click on AutoPay

– Then click on Set Up AutoPay

– Choose Pay From account

– Enter payment amount

– Select first payment date

– Choose the frequency and stop dates

– Enter your email address for your reminders

– Click Start Sending Payments

How do I change an automatic payment?
From the Payment Center, locate the Company or Person for whom you want to create a change, click on the “AutoPay” link and select “Change AutoPay Options.” You may also click on “Stop AutoPay” to cancel the automatic payment.

How is canceling an automatic payment (recurring payment) different than just canceling a payment?
To cancel automatic payments, also referred to as recurring payments, sign into the Payment Center, select the payee, click on the “AutoPay” link and select “Stop AutoPay.”

To cancel a payment, sign into the Payment Center. On the right side of the screen you will see Pending Payments, choose a payee, and click on the “Cancel” link. If the cancel link is not showing in the pending payment, the payment may already be in process. Call Online Bill Pay Support at 844-596-1615 for assistance.

Payment Processing

Do you guarantee my bill will be paid on time?
Thanks to the CheckFree Guarantee, you can be assured that your payments are safe and will be done on time. You are covered for any payment-related charges (up to $50), as long as you scheduled the payment according to the service’s terms and conditions. This means that the payment must be scheduled with a delivery date on or before the actual due date (excluding grace periods), with the correct address and account number

Payments made for taxes, court orders, or as part of an investment are not covered by the CheckFree Guarantee.

How will I know if a payment is made electronically or by check?
We attempt to make all payments electronically, but some payees require paper checks. On the right side of the Payment Center screen, in pending Payments or Recent Payments, you can click on the amount to see the method of payment.

Can I get a copy of a payment I made through Online Bill Pay?
This varies by the type of disbursement. Check images are available online when you view your checking or savings account details. If you cannot locate payment information, please call Online Bill Pay Support at 844-596-1615, and we’ll provide you with a check copy or proof of payment for electronic payments. If a payee is stating that they have not received your payment, contact us and we will handle it for you!

Can I stop, cancel or edit a payment?
To stop a payment before you deliver by date, sign into your Online Bill Pay account, go to the Payment Center. On the right hand side under Pending Payments, click on the “Change” link for the payment you’d like to change to edit.

If you’d like to stop your payment after the delivery date please call Online Bill Pay Support at 844-596-1615 with your payment details. An agent will advise if it is possible to stop or cancel your payment and if a fee applies for the stop payment request.

How long does it take for a company I am paying to receive payment?
If your payee accepts electronic payments, in most cases the payment is made the next business day. If the payee only accepts checks, your payment will be sent out 3-5 days prior to your selected deliver date. This is the typical time it takes for the payee to receive the payment. When you enter an amount, Bill Pay automatically displays the earliest date you can select for the payee to receive the payment. You can either accept this date or change it to a later one.

Some companies may offer an expedited service for payments that need to be received as soon as possible. For these payments, the calendar will allow an earlier date to be selected and add a small fee to the bill amount. If you see this fee and did not mean to make an expedited payment, choose a later payment date.

How do I find my payment history?
You can view payment history through the “Activity” tab from the Payment Center, or by clicking on the “Activity” link of a company or individual.

*Your payment history will be available going forward from June 15, 2016. If you have questions regarding transactions made before this date, please reference your monthly statement.

What are the different payment types?
The payment type is determined automatically by our system. One of the main factors is the way companies prefer to get paid. If a payment can be issued electronically, we attempt to do so because it is the most efficient method.

Payment types include:
Electronic: Payment is sent electronically prior to the Deliver By date. The funds for payment are deducted from your account on the Deliver By date.

Corporate Check: This is a check drawn on our account and is mailed to your company or individual a few days before the Deliver By date. The funds to cover the payment are deducted from your account on the Deliver By date.

Laser Draft Check: This is a check drawn on your account and mailed to your company or individual a few days before the Deliver By date. The funds for the payment are deducted from your account when the check is cashed, just as if you wrote the check yourself.

You can see how your payment was sent by clicking on the “Activity” link. Under Recent Payments select the payment link to see method of dispersment. You can also contact Online Bill Pay Support at 844-596-1615 and we can provide the payment information to you.

eBills (Electronic Version of your Paper Bills)

What are eBills and how do they work?
eBills are electronic versions of your paper bills (Where available) delivered directly to your Online Bill Pay account. You will no longer have to wait to receive your bills in the mail or sign into a company’s site.

With most companies, you can choose to receive electronic bills or paper bills. If you want to receive both, you will need to request this directly from the company. Another option is to print your bills from you Online Bill Pay account.

How do I view and pay my eBill?
A company offering eBills will appear in the Payment Center with a “Get Bill” icon to the left hand side of the company name. To pay an eBill, click on the icon and follow the on screen instructions to view/pay your eBill.

How do I request an eBill?
Billers offering eBills will appear in the Payment Center with a “Get Bill” icon to the left hand side of the Biller name. Click on that icon, and it will ask you to answer a few simple questions, and your request will be sent.

How do I review an eBill?
You can review by going to Payment Center and click on the “Activity” link associated with the company.

How do I file an eBill?
If you pay an eBill through any payment channel outside of the eBill option, you will need to file the current eBill so that the status will read Paid.

To file an eBill:
Access your Online Bill Pay account

Click the Activity tab from the top menu bar

Locate the payment that shows the status as Unpaid

Click on the View Details under the “Action” Sections

Click File Bill

Select how the payment was made, and then click “File Bill”

Click “Save Changes”

How do I cancel and eBill?
To cancel and eBill, select the company from the list, and choose the option to cancel electronic version of this bill. The eBill will be immediately canceled an your biller will be notified.

How do I set up an automatic payment for my eBill?
Once you start receiving your eBill, you can set up automatic payments. Automatic payments are scheduled once the eBill is received, but you maintain the control to change the payment any time until the payment is sent.

To set up an automatic payment, go to the Payment Center, select the payee, and choose “AutoPay.” Once your automatic payment is set up, an AutoPay and eBill icon will both appear next to the company. You can set it and forget it.

Bill Pay Member Service can be reached at 844-596-1615 between the hours of 6:00 AM – 12:00 AM CT, 7 days a week.

apco-logo-420x150-june-2014

You are leaving APCO Employees Credit Union's website, and entering an online community website. The privacy and security policies of the site you are about to enter may differ from those practiced by APCO Employees Credit Union. APCO does not represent either the third party or you if the two of you enter into a transaction.