Get documents about "Online Bill Payment Guide CONTACT INFORMATION Customer Information Center Option
Document Sample
Online Bill Payment
Guide
CONTACT INFORMATION
Customer Information Center 1-800-223-7518, Option 1, bankonline@chittenden.com
TABLE OF CONTENTS
Setting Up Your Accounts................................................................................................................... 1
Setting Up Payees – Electronic............................................................................................................ 2
Setting Up Payees – Check .................................................................................................................. 3
Edit Bill Payment Payees..................................................................................................................... 4
Setting Up Payments............................................................................................................................ 5
Editing Scheduled Payments ............................................................................................................... 6
Viewing Payment History.................................................................................................................... 7
Bill Payment Frequently Asked Questions .......................................................................................... 8
Setting Up Your Accounts
1) Log on to the bank’s website https://www.chittenden.com/.
2) Log into Online Banking.
3) Enter your Ids and Passwords in the appropriate fields and click submit.
Select the Bill Payment Tab
Click ‘Add Account’
Establish a Bill Payment Account by using the select option drop down menu to choose from your list of
available checking accounts.
After checking ‘I Agree’ and selecting ‘Submit’ a green message will appear indicating your account has
successfully been designated for Bill Payment.
1 R2008
Setting Up Payees – Electronic
Select ‘Add Payee’ from the Bill Payment Menu
Click ‘Pay a Company’
From this page you can search for an existing electronic bill payment payee. You must complete all
required fields on this page in order to initiate your search. Please enter your account number exactly as
shown on your last billing statement. Include any dashes, spaces or special characters.
Click ‘Search’
If your search is successful and your payee is setup to accept electronic payments, review your payee
information and click ‘Submit’. After selecting ‘Submit’ a green message will appear indicating you have
successfully added the electronic Payee.
If your payee does not accept electronic payments, you may setup up the payee to receive check
payments instead. Follow the on screen instruction and complete the payee information form.
2 R2008
Setting Up Payees – Check
Select ‘Add Payee’ from the Bill Payment Menu
Click ‘Pay an Individual’
From this page you can establish a new check bill payment payee. Please be sure to enter the account
number and payment address from your most recent payee billing statement.
Click ‘Submit’
After selecting ‘Submit’ a green message will appear indicating you have successfully added the check
Payee.
3 R2008
Edit Bill Payment Payees
From the Bill Payment menu select Payees.
This page displays a list of all established bill payment payees, both check and electronic. From this page
you can edit or delete a bill payment payee.
By selecting edit on an electronic payee you can edit the payee alias and account number.
By selecting edit on a check payee you can edit the payee alias, account number, and address.
4 R2008
Setting Up Payments
Choose ‘Add Payment’ to setup a recurring payment.
Choose ‘Quick Payment’ to setup multiple one-time payments
For Recurring Payments: from the ‘Add Payment’ option, select the account from which the bill will be
paid and the payee. Enter the dollar amount of the payment and any memo information.
(Memo information is transmitted with Check payments only.)
Choose the frequency of the payment. (The default is set to One-Time Payment.) Enter the
expiration date of the payment and whether or not the amount is different for each payment.
For Quick Payments: choose the payees you want to pay and click ‘Submit’.
Enter the payment date, memo, from account and amount. Click ‘Submit’.
5 R2008
Editing Scheduled Payments
From the Bill Payment menu select ‘Main’ and ‘Scheduled Payment’.
Check the box for each payment you want to edit. Then select the ‘Edit Selected’ button.
(Scheduled Payments can also be deleted from the select option drop down menu on the left)
You can change the amount, memo, and account from which the bill is paid. Changes will affect the next
payment date.
6 R2008
Viewing Payment History
From the Bill Payment menu select ‘Main’ and ‘History’.
Payments made in the last 30 days will display by default.
To view more history, click ‘Search’ and enter the criteria for the search.
7 R2008
Bill Payment Frequently Asked Questions
How long does it take bill payments to reach payees?
For Electronic payments we recommend that you schedule the payment at least 3 business days before
you want the payment to be posted at the payee.
For Check payments we recommend that you schedule the payment at least 5 business days before you
want the payment to be posted at the payee.
It should be noted that some payees process payments made without a payment stub at a different
location than is normally the case and some payees take longer to process those payments. For that
reason we advise you to contact your payee to verify the address to which the payment should be sent
and the period of time required for the posting of the payment.
When will the money be taken out of my account?
Funds are debited depending on the type of payment.
Check payments are prepared from your own checking account. The funds will be debited from your
account when the payee presents the check to us for payment.
Funds for electronic payments are debited from your account the same day we process the payment.
When is the cut-off time for new bill payments?
You must submit payments by 1:00 p.m. Eastern, Monday through Friday, except federal holidays, to
have the payment processed the same business day. Payments submitted after 1:00 p.m. Eastern or on a
weekend or a federal holiday will be processed at 3:00 a.m. on the next business day.
When is the cut-off time for editing or deleting existing bill payments?
You may edit or delete a payment up until the payment is processed.
Future Payments - Payments that are scheduled in advance (i.e. recurring or future dated payments)
are processed at 3:00 a.m. Eastern Monday – Friday, except federal holidays. Payments that have been
scheduled to be processed on a weekend or federal holiday are processed at 1:00 p.m. Eastern on the
business day before the scheduled date.
Same Day Payments - Payments that are set up before 1:00 p.m. Eastern to be processed the same
business day can be edited or deleted up until 1:00 p.m. Eastern on that same day. If the payment was
set up after 1:00 p.m. Eastern it can be edited or deleted up until 3:00 a.m. Eastern on the next business
day.
What if my scheduled or recurring payment falls on a weekend or bank holiday?
Payments scheduled to be processed on a day that happens to be a holiday or weekend will be processed
on the business day before the weekend or holiday.
For example, if you have a monthly payment scheduled on the 1st, and the 1st is a Saturday, the
payment will be processed on Friday.
What if I do not have enough money in my account?
You should always maintain sufficient funds in your bill pay account.
If there are insufficient funds when a check payment is presented to your account, the check may be
returned to the payee and a fee may be assessed to your account.
If there are insufficient funds in your account to make an electronic payment, we will continue to attempt
to process the electronic payment until sufficient funds or overdraft credit limits are available.
8 R2008
Related docs
