Bill Pay (iPay)
How can I get bills paid automatically from my Whitefish Credit Union accounts?
You’ll never have to write checks to pay bills again! Save time and money by paying bills automatically - virtually eliminating costly late charges, licking envelopes, and trips to the mailbox! To sign up for Whitefish Credit Union Bill Pay, log into your Online Banking account.
How do I register for Bill Pay (iPay)?
Registration is easy as 1-2-3! Simply log into Online Banking, then answer the verification question. Your account will instantly become enabled for Bill Pay.
Are there any fees for using Whitefish Credit Union Bill Pay (iPay)?
No. There are no fees for Whitefish Credit Union's Bill Pay service.
Whom can I pay using Bill Pay (iPay)?
You can pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier.
Note: Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.
How secure are my online payments and my information?
To protect transactions, we require your Internet browser support 128-bit encryption or higher. Encryption prevents transactions from being read by unauthorized parties over the Internet. We recommend that you use the latest browser version available
Are there payment limits?
Yes, there is a aggregate $9,999.99 maximum daily limit that may be paid. This daily maximum applies to all payees listed for a particular day, not just an individual payee.
How do I log into Bill Pay (iPay)? Where do I sign in?
Simply log into Online Banking and click the iPay button.
Can I make a stop payment on a Bill Pay transaction?
Only payments that take five days to process can a stop payment attempt be made. Please refer to your Payee list for more details. Since our Bill Pay service is truly member-to-merchant payments, two-day payments will have already been processed.
How do I delete a payment that I scheduled for today?
If you are still in the same session during which you scheduled the payment, you can delete it from the scheduled payments list. If you have exited the session, you cannot delete the today payment because the transaction has already been completed.
Do I get a receipt from each transaction?
A confirmation number is displayed after you complete a transaction. This is your electronic receipt. The confirmation number is a record that transactions were accepted and will be processed, so you may record this number. Your statement will also include all of your online transactions. Print your statement for a paper receipt.
How do I know how long it takes to pay my merchants?
To verify the amount of time necessary to process a payment, please select the Payees tab once logged into Bill Pay. “Days” represents the amount of lead time necessary to pay your merchant.
My merchants' mailing address has changed. How do I update the information?
Merchants that accept electronic payments (two-day merchants) will notify Bill Pay directly with the updated information. For all other payees, please send the new information via message board found within Bill Pay. The changes will be made to your payee for you.
What is the payment guarantee?
If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant. Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please see the Disclosure for important information on the limitations of reimbursable fees and finance charges.) For full details, please click on "Help" when logged into Bill Pay.
What time do I need to submit my payment by to have it processed the same day?
Same day payments must be submitted by 9 a.m. MST to be considered a "today" payment. In general, it is recommend that payments be scheduled in advance by setting the payment date within Bill Pay's screen to ensure your payment is paid on your desired date.
When can I schedule the first payment to a new payee that I just set up?
You may set-up a Payee and schedule the first payment in the same session. If the new Payee is verified immediately, you may schedule a payment according to standard payment guidelines and as a "today" payment that will be processed the next business day. [ Note: You will see "Available" status displayed in the Payee list.] If the new Payee is not verified immediately, you may still schedule a payment to the new Payee within the same session, however, the payment must be scheduled a minimum of eight days in advance of the intended payment date or due date. The system will not allow you to schedule payments sooner than three business days from the session date until the Payee is verified and available.
Why does iPay time out and force me to restart my session even though I'm actively using it?
There is a scenario causing the perception that iPay is timing out and Online Baking is forcing you to start a new iPay session. Please read the explanation below to better understand this scenario and avoid it in the future.
Upon clicking the iPay button, your browser will do one of two things: A) open a new window or B) open a new tab. This new window or tab shows your active session within iPay and your current Online Banking window loses focus.
When the iPay system detects a period of inactivity it will bring its window into focus and show a pop-up message indicating this inactivity and give the user the opportunity to press one of two buttons; either to keep the current session active or to end the session. When the Online Banking window comes into focus to present the notification, the iPay window loses focus.
Upon responding to the inactivity message, the Online Banking window still maintains focus. To return to and continue the existing iPay session, you must bring into focus the window or tab running the existing iPay session. Browser tabs are typically found under the address bar of your browser; browser windows are typically found at the bottom of your screen on the task bar. Clicking the tab or task bar will bring the iPay session back into focus and you may continue your session, no data or settings will have been lost.
What happens if I have insufficient funds for covering a payment?
You will receive a non sufficient funds alert from Whitefish Credit Union notifying you that the item has not been paid. It will be up to the member to remit payment.
How can I pay a bill using iPay?
How can I pay a person using iPay?
How can I transfer money using iPay?
How can I set up bill pay alerts using iPay?
How do I set up an eBill in iPay?