1. Is there a fee for SIU Credit Union's Bill Pay service?
There is a $6.00 monthly fee for using the Bill Pay service. There are other applicable fees, listed below.  The monthly fee is waived for the first 3 months after enrollment.

• Check Copy $5.00 per Item
• Stop Pay $10.00 per Item

2. What is Bill Payer?
Bill Payer service is a very convenient way for users to make payments to bills or invoices.  Fundamentally it is a large, smart electronic checkbook offering users the ease and convenience of making payments online through their personal computer.  This avoids the tedious process of handwriting checks.

3. What Bill Payer is not?
Bill Payer is not necessarily a faster way for users to make payments.  Bill Payer transactions use a combination of electronic payments and paper-based payments.  Currently, over 60%of our payments are sent electronically.  Electronic payments usually post in an average of two to four business days.  Paper-based transactions may take longer than your own payments since they are not accompanied by the vendors’ remittance slip, which is designed to be processed by the vendors’ own unique processing system.

4. How do I add a new bill for a public company?
Click the "Add New Bills" button. Next click “Company Search”, to search for the company on the registered list. You may need to try several variations of the company name to find it on the list. You will need to match the address information and the account number field to your bill. If you do not locate the company on our list of registered companies, you will need to complete all of the required fields on the Add a Bill form.

Please Note: If you have added a new company that is not on the Registered Company List, it could take five (5) business days to verify the company. After the company is verified, the bill will be paid and will be delivered in the amount of time specified for check and electronic payments. No payment will be sent until verification is made. Please take verification and delivery times into consideration when choosing your payment date.

5. How do I add a new bill for a private individual?
Click the "Add Private Party Payment" button. You will need to complete all of the required fields on the Add Private Party Payment form. Include as much information as you can about the individual to ensure it reaches the payee. By default, all Private Party Payments will be made by check. If you include the Account Number and Routing Number, the payment will be made electronically.

6. Why wasn't a large, nationwide company listed on the Registered Company List?
Our Bill Pay vendor provides bill pay services to over 100 financial institutions. Therefore, most large, widely used companies are listed on the Registered Company List. If you don't find a particular company in your first search, try varying the name. It may take several searches to locate the particular company. If you don't find the company you are looking for you will need to add it as a new company.

7. I found the correct company, but the address and account number input mask don't match. Now What?
Our Bill Pay vendor only places a vendor on their registered company list once someone requests that particular company. Many companies have different payment centers depending on your geographical location. If your particular payment address and account number input mask have never been requested before, then you must be the first. You will need to complete the "Add a Bill" form.

Please Note: If you have added a new company that is not on the Registered Company List, it could take five (5) business days to verify the company. After the company is verified, the bill will be paid and will be delivered in the amount of time specified for check and electronic payments. No payment will be sent until verification is made. Please take verification and delivery times into consideration when choosing your payment date.

8.There are multiple listings for one company. How do I choose which one to use?
Many companies have different payment centers depending on your geographical location. You must verify the address or the identifying information in the address field. You must also match your account number with the example in the account number field, called an "Input Mask." See example below:

X= number or letter; N = number; A = letter
Account Number Field
Description

XXXXXXXX
The account number should be no longer than the example, but can be shorter. It can consist of numbers or letters.
87654321 or ABC123 would match

NNNNNNN
The account number should be exactly as long. It can only consist of numbers.
7654321 or 2223334 would match

55NNNN
The account number should be exactly as long and begin with two 5’s. It can only consist of numbers.
550123 or 557777 would match

NNNAANNN
The account number should be exactly as long and include letters in the same place as the example.
123AB123 or 555VV555 would match

9. What is the Input Mask?
The "Input Mask", shown in the above example, illustrates the proper format of your account number. Do not include spaces or dashes

10. Will my bill be paid electronically or is a check sent out?
It depends on the recipient. If the recipient is set up to receive funds electronically, our Bill Pay Service will use that method. However, if the recipient is not set up to receive funds electronically (for example, the kid who mows your lawn), the Bill Payer will send a check. To determine if your payment will be check payment or electronic delivery, click the name of the bill on the Bill Pay list and review the address line. If a physical address is listed, your payment will be made by check. If the phrase "Electronic Payment Delivery" is listed, your payment will be electronic.

11. How will I know if the recipient can receive an electronic payment?
Many popular companies throughout the U.S. are already registered in our Bill Pay system. You will need to complete a search for the company and match up the account number format in the account number field (called the "Input Mask") to the account number format on your bill. Once you locate the company, look at the address listed. If the address states "ELECTRONIC PAYMENT DELIVERY" then the company can accept electronic payments. If the company has a physical address listed, then the company is currently accepting check payments.
If the company is not already registered in the Bill Pay system then our system has not sent payments to this recipient before. You will need to input all information, including billing address and phone number and our Bill Pay provider will contact the recipient and verify that a Bill Pay payment can be accepted as payment. Once a person or company has been contacted, that name will be registered in the Bill Pay system and will not need to be contacted again. It will take five business days to register the company in the Bill Pay system.

12. How long will it take to process my Payment?

Check Payments: All check payments will take 6 to 10 business days for delivery. Checks are mailed from Salt Lake City, UT.

Electronic Payments: All electronic payments will take 2 to 4 business days for delivery.

New companies, not on the Registered Company List: If you have added a new company that is not on the Registered Company List, it will take five (5) business days to verify the company. After the company is verified, the bill will be paid and will be delivered in the amount of time specified above for check and electronic payments.
Please take verification and delivery times into consideration when choosing your payment date.

13. How do I stop a payment?
If you decide to cancel a payment that has not yet been paid, you can delete the due date and the bill will not be paid. There is no fee in this instance.
If you wish to stop payment on a bill that has a ‘Paid’ status, please contact SIU Credit Union as soon as possible so our staff can place the stop on your payment. There will be a $10 fee charged in this instance.  You cannot stop payment on a bill that has a ‘cleared date’.

14. How do I confirm my bill has been paid?
Locate the bill on the Bill Pay list. Find the column titled "Status/History". This column will indicate one of the following.

• N/A
• Scheduled
• Paid

To view the entire history of the bill; including a check number, confirmation number, and date the check cleared, click the bill status.

15. Can I pay SIU Credit Union through the Bill Payer service?
You can certainly make your SIU Credit Union loan payments through our Bill Pay service. Please keep in mind that currently we cannot accept electronic Bill Payments, so your payment will be made by check. You will need to schedule your bill to pay 6 to 10 days before your payment is due. We also have two other payment options available for your SIUCU loan payments.

• Home Banking Transfer - You can make a transfer in Home Banking from your checking or savings account to your loan. These transfers are posted immediately. You can make the transfer on the same day your payment is due. This is a free service.
• Automatic Payment - We can set your loan up for automatic payment. The loan payment will transfer on the due date every month. Once it's setup you don't need to do anything! This is a free service.

For more information on loan payment options, please contact a Member Service Representative. To Pay your SIU Credit Union Visa Credit Card Payment log in to www.ezcardinfo.com

16. How do I access Bill Pay?
Log on to Home Banking from our Home Page (www.siucu.org). Then click the "Pay Bills" button in the top frame of your screen (it's in the center).
You will be asked to register for Bill Pay:

• Read and accept the terms of the Bill Payment Agreement and Disclosure
• Choose the default payment account from the checking accounts you have available. (If you have more than one checking account under your account number, choose which one will be the default account.)

17. What payment frequency should I choose?
There are many options available for payment frequency. Most bills should be paid using "Manual," however another payment option may work better for your particular situation. Here are some general guidelines.

• Manual - Use to pay a bill that you pay regularly. Works especially well for bills with different amounts on every payment.
• One time only - Use only if you want to pay a person or company one time. Don't use this option if you will pay this company/individual again.
• Monthly - Pays on the same date every month.
• Weekly - Pays on the same weekday every week.
• Bi Weekly - Pays every 14 days.
• Semi Monthly - Bill is paid 2 times per month, the first payment between the 1st and the 13th, the second payment between the 16th and the 28th.
• Semi Monthly Last - Bill is paid 2 times per month, the first payment on the 15th and the second payment on the last day of the month.
• Monthly Last - Pays on the last day of each month.
• Quarterly - Pays on the same date every 3 months.
• Semi-Annually - Pays on the same date every 6 months.
• Annually - Pays on the same date every 12 months.

18. How do I change the default payment account?
Your default payment account must be a checking account. If you have more than one checking account under your account number, you can choose which one will be the default account. To change the default account do the following:

• Above the Bill Pay list, your Default Bill Payment Account is displayed. Click the blue "Change" button directly after it.
• Select an account from the drop down list.
• You will be given three choices: 1. Apply this change to new bills only. 2. Apply this change to all the bills currently using the default account. 3. Apply this change to all the bills. Choose one.
• Click OK.

19. How do I modify a payment?
Click the name of the bill from the Bill Pay list. Make all changes. Click OK.

20. How do I delete a bill?
Find the bill on the Bill Pay list. Click the checkbox in the far right column labeled "Delete?”.  Then click the "Save Changes to Bills" button at the bottom.

21. My bill needs to be postmarked. How will I accomplish this?
Bill payments are NOT postmarked. If you have a payment that needs to be postmarked with a date, DO NOT use the Bill Payer system. For example, a last minute tax filing.

22. When I delete a bill, the next bill does not replace it numerically on the Bill Pay list. Why?
Our system statically tracks each bill by number and will never re-sort the numbering. For example, if you have 6 bills setup and you delete bill #3, bill #4 will not be re-numbered to 3, but will remain 4.

23. Are there special hardware and software requirements to use Bill Pay?
Bill Pay is a part of our Internet Home Banking service, so the software requirements are the same. Listed below are the minimum hardware and software requirements to use our Internet Home Banking service. In addition to these requirements, a connection to the Internet is necessary to use this service. Due to the enormous number of different methods for connecting to the Internet, we will not attempt to describe this. It is assumed that the user will establish Internet connectivity by whatever methods they prefer.

PC Users:

• 486/33Mhz or better CPU
• 8Mb RAM (16Mb RAM is recommended)
• Method of Internet connectivity
• SVGA 640x480 monitor with 256 colors
• A printer is optional
• Windows 3.1 or better
• An SSL compliant browser such as MS Internet Explorer 5.0 and above or Netscape Navigator 5.0 and above. AOL 5.0 or better can also be used.

Macintosh Users:

• Macintosh Plus or better
• 8Mb RAM (16Mb RAM is recommended for the PowerMac)
• Method of Internet connectivity
• A printer is optional
• System 7.0 or better
• An SSL compliant browser such as MS Internet Explorer 5.0 and above or Netscape Navigator 5.0 and above. AOL 5.0 or better can also be used.

24. I want to cancel my bill pay service. What should I do?
To cancel Bill Pay service, click the "Stop Bill Pay Service" button below the Bill Pay list. This will cancel your Bill Pay Service and no bills will be paid from this moment forward.  If you later decide to re-establish the Bill Pay service, you will need to re-load your vendors in the Bill Pay list.

25. What is the "alerts icon" used for?
The alerts icon is used to send and receive messages concerning your bill pay account. The icon is located in the upper left-hand side of the Bill Pay screen. If you notice that the alerts icon is animated, this indicates that you have a message waiting to be read. To read the message, click on the alerts icon. If you need to contact the credit union regarding Bill Pay, please contact us at 618-457-3595, 618-997-5244 or 800-449-7301.