Does bank of america charge for bill pay -
Online Bill Pay Cost
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Online bill pay services permit customers to use their computer and the internet to pay anyone, from the lawn maintenance crew to a cable company. Online billing set up through a customer's bank is often free, although the checking account needed to provide funds for payments may require a minimum a balance or assess fees.Typical costs: | |||||
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Chase Online Bill Pay
With our Online Bill Pay Guarantee, your business can pay its bills electronically so your payments always arrive on time.
If your account is ever charged a fee because we made a mistake that delayed your payment, we’ll reimburse you. For payments to qualify for this guarantee, they must be scheduled by the cutoff time so they'll arrive safely and on time.
If you scheduled a payment by the cutoff time through Chase Business Online and your payment arrives late because we’ve made a mistake, we’ll reimburse your business for any fees you incur. The Chase Business Online bill pay guarantee doesn’t cover any mistakes beyond our control, including:
- Inputting or other errors you or your employees have made
- Failure to schedule payments by the cutoff time (at least five bank business days before the payment is due)
- Transactions that generate late fees by design
- Not abiding by the terms and conditions of the Chase Business Online service
U.S. Bank Bill Pay
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The simple, secure way to pay bills
Gain control. Stay in control.
With U.S. Bank bill pay in online banking and the U.S. Bank Mobile App, you can view, track and pay all your bills1 in one secure place, with one password.
Log in and get started
Start paying bills the convenient way.
Choose your view.
Display your bills in a list or calendar view. Select the option that makes it easiest for you to understand what's coming at a glance.
Schedule payments.
Tell us who to pay, how much and when, and we’ll take care of the rest – guaranteed.2 You can edit or cancel any scheduled payment up until the time it processes.
Monitor and track.
Easily access a searchable record of what you’ve paid in the past and stay on top of monthly increases and decreases in bills.
Pay bills easily and safely.
Get set up quickly and automatically.
In minutes, we’ll do the work to find and set up bills you’re already paying elsewhere. And adding new bills is a snap. See how.
Pay one bill or many at once.
You can save time by paying multiple bills at the same time. We’ll guide you through the process and show you a consolidated view.
Feel confident and secure.
When you pay your bills with U.S. Bank mobile and online banking, you’re always protected by our Digital Security Guarantee.
Download the U.S. Bank Mobile App
Save time by paying your bills digitally. Let us show you how.
Need a little help on where to start to pay bills in one place? View self-guided interactive tutorials on how to pay bills in mobile and online banking.
View interactive tutorials
Log in and get started
Paying bills is now easier in the app.
Download the U.S. Bank Mobile App today and check out a new, upgraded experience. Enjoy more simplified ways to make, edit and cancel payments. Try a brand-new feature that automatically helps find and set up bills you’re already paying elsewhere. It’s available now in the app and coming soon to online banking.
Get the app
Pay your bills online.
As a U.S. Bank customer, you can manage and pay bills in one place with one secure password. Pay bills in minutes, on your schedule, without writing checks or visiting multiple biller websites.
Simply enroll in bill pay, add a biller and schedule your payment.
Enroll in bill pay.
Log in to usbank.com and select Pay bills from the menu to enroll. Not yet signed up for online banking? Enroll now.
Add a biller.
Select Add a new biller and follow the prompts.
Add a biller.
Select Add a new biller and follow the prompts.
Schedule a payment.
After you set up your biller(s), schedule your payment using the calendar.
Pay bills the secure way.
Pay bills on time, every time – guaranteed.1 It’s safe and simple. Just tell us who, when and how much to pay. We’ll take care of the rest, and our online banking security provisions and Digital Security Guarantee will protect you all the way.
Pay exactly when you choose.
When you pay your bills through U.S. Bank online and mobile banking, you’re in charge. Set up advance or recurring electronic payments (or checks)2 to be delivered on the date you choose. You can edit or cancel any payment up to the time it’s processed.
Pay fast if you need to.
Missing a due date can have serious consequences. Avoid stress, late fees and potential damage to your credit rating. Our convenient express delivery3 option can get the money there on the same day or overnight for a $14.95 fee.
Cut the clutter with e-bills.
Many companies can deliver e-bills – free electronic versions of your paper bills – directly to your account in online and mobile banking. Choosing e-bills is an easy way to stay organized and save paper. With your bills, payments and records all in one place, managing your finances is less of a headache.
Start paying bills the smart way.
Paying your bills online can save you time, stamps and frustration. Give it a try today.
Log in and get started
Frequently asked questions
When you pay your bills from your account in online and mobile banking, we send the payments directly to your billers. Most payments are made electronically because that’s how most billers are set up to receive them. For billers that don’t accept electronic payments, we send a paper check via U.S. Mail.1
You can pay almost any biller with a U.S. mailing address. For billers that don’t accept electronic payments (including people), we send a paper check.1
No. There is no limit to the number of bills that can be paid with bill pay.
Bill pay is free when you use the standard delivery option. If you need to send a payment faster, you can use expedited delivery3 for a fee of $14.95 to send it on the same day or overnight (for most billers).
We recommend setting up payments at least five days before the due date to allow enough time for the biller to process and post the payment to your account. Some billers process paper checks as soon as they receive them, which can result in an earlier bill payment than you requested. If you incur any fees due to a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.
There are two options for delivery:
- Standard delivery: Standard delivery is available for all billers, and payments can usually be made within 1 to 2 business days for electronic delivery, or 5 to 6 business days for a paper check. There is no charge for standard delivery. The calendar will automatically display the earliest standard delivery payment date available. You can choose that date or schedule another. The date must be a business day.
- Expedited delivery: For most billers, we offer expedited delivery3 for a fee of $14.95. With expedited delivery, your payment will be made on the same day or overnight, depending on when you submit it and the biller’s cutoff time. If express delivery is available, you’ll find this option when choosing a payment date in the calendar.
This can happen occasionally when a payment is made by a paper check. The paper check is placed in the mail up to five business days prior to the payment date to ensure it’s delivered and processed on time. Some billers process the check as soon as they receive it, which results in an earlier payment. If you incur any fees due to a payment that clears earlier than you planned, please contact us at 800-987-7237.
Most scheduled payments are sent electronically, and funds are withdrawn from your account on the payment date you select. If we send a check, the money is usually withdrawn when the biller cashes the check. If you incur any fees due to a payment that clears earlier than you planned, please contact us at 800-987-7237.
Yes. Payments are guaranteed to be accurate and delivered by the payment date you select, assuming your accounts are sufficiently funded, all payment information is entered correctly, and the payment is scheduled to arrive by its due date.
For standard delivery payments, we recommend that you log in at least five business days before your bill is due to schedule your payment. (This does not mean you need to pay your bill ahead of its due date, only that you should set up the payment enough in advance to arrive by the due date.)
Here’s why:
- For billers that require payment by paper check, we need up to five business days’ notice to process and mail the check.
- You can be sure the due date you choose is available by setting up your payment in advance.
Note: Some billers process paper checks as soon as they receive them, which can result in an earlier bill payment than you requested. If you incur any fees due to a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.
No, currently it is not possible to pay bills using a credit card in U.S. Bank bill pay.
Yes. For bills that are due on a regular schedule in predictable amounts, you can set up recurring payments using the autopay option.1
In online banking:
To change or cancel a one-time payment:
- Select Bill payments at the top of the page, then Pay bills & U.S. Bank accounts.
- On the My bills page, find the biller whose payment you wish to cancel or change under SCHEDULED in the right column and select it.
- Make your desired changes on the Edit payment page, then select Save.
To change or cancel an automatic payment:
- Select Bill payments at the top of the page, then Pay bills & U.S. Bank accounts.
- On the Your bills page, find the biller whose payment you wish to cancel or change under SCHEDULED in the right column and select it.
- On the Edit payment page, select the Edit autopay link.
- On the Edit autopayment page, you can edit just the next payment in the series or the entire series. Make your desired changes, then select Save.
In the U.S. Bank Mobile App:
To change or cancel a one-time payment or just the next payment in an autopay series:
- Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill.
- On the My bills screen, find the biller whose payment you wish to cancel or change and select it.
- On the Bill details screen, select the upcoming payment you wish to cancel or change.
- Make your desired changes on the Edit payment screen, then select Save.
To change or cancel an entire autopay series:
- Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill.
- On the My bills screen, find the biller whose payment you wish to cancel or change and select it.
- On the Edit payment page, select the Edit autopay link.
- Make your desired changes on the Edit autopay screen, then select Save.
In online banking:
- Select Bill payments at the top of the page, then Pay bills & U.S. Bank accounts.
- On the Your bills page, select the Activity tab.
- On the My bills screen, find the payment in question in the right column and select it to view additional details.
In the U.S. Bank Mobile App:
- Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill.
- On the My bills screen, find the biller whose payment is in question and select it to view additional details.
Still have questions? Call U.S. Bank 24-Hour Banking at 800-US BANKS (872-2657).
We send electronic payments to billers that accept them. For companies that don't accept electronic payments, we send a paper check by U.S. Mail, which takes more time to deliver and process.
You can determine which type of payment will be sent based on the available payment dates displayed in the scheduling calendar when you set it up. If your first available payment date in the scheduling calendar is:
- Two business days away or sooner – the payment will be sent electronically.
- Five business days – the payment will be sent via paper check.
No. After a payment is set up, the biller will receive a payment just like they would from you. Be sure to double-check that you’ve entered the correct account number and a current address.
Digital bills are electronic versions of your paper bills and are available from hundreds of companies. If you choose to receive digital bills, they are sent securely to your account in online and mobile banking instead of through the mail.
In online banking:
- After you set up a biller, select that biller from the My bills page.
- Choose the Digital bills option in the right sidebar and follow the instructions to set up.
In the U.S. Bank Mobile App:
- After you set up a biller, select that biller from the My bills screen.
- On the Bill details page, select the Digital bills option (displayed only if digital bills are available for the biller) and follow instructions to set up.
In online banking:
If a digital bill is due, you’ll see the amount due and due date displayed next to the biller on the My bills page. You can also select this bill from the My bills page to view the biller detailson the right-hand side. Here, you’ll also be able to see if you have a digital bill due.
In the U.S. Bank Mobile App:
If a digital bill is due, you’ll see the amount due and due date displayed below the biller on the My bills page. You can also select this bill from the My bills page to view the biller in Bill details. Here, you’ll also be able to see if you have a digital bill due.
Payments for Any Situation
Hassle-Free Payments
BECU offers multiple ways to send money – best of all, they're all free! Check out the resources available to you and schedule your payments based on who you want to pay. It's just one more benefit for BECU members.
Payment Options
- BECU Online Banking – pay from your BECU Account
- BECU Mobile App – pay from your BECU Account
- Autopay from BECU Account – Complete the Loan Modification Request
- Autopay from non-BECU Account – Bill pay from your other bank
- In Person at any BECU location
- Over the phone – pay from your BECU account
- By Mail:
- Auto/HELOC/RV/Boat
BECU
PO Box 97050
Seattle, WA 98124-9750 - VISA
BECU
PO Box 84707
Seattle, WA 98124-6007
When Are Payments Processed?
- Payments received between 12:01am & 6.59pm (PST) will be posted to your account the same day
- Payments received between 7:00pm & Midnight (PST) will be posted to your account the following business day
- Payments received between 12:01am – Noon (PST) will be recorded as of the date received, yet may take up to 3 business days to post to your account.
- Payments received between 12:01pm – Midnight (PST) will be recorded as of the following business day, yet may take up to 3 business days to post to your account
- Payments received between 12:01am - Noon (PST) will be posted to your account the same day
- Payments received between 12:01pm - Midnight (PST) will be posted to your account the following business day
Bill Payment
Can't find your envelopes? Forgot to buy stamps? We've got you covered. Opt to use Bill Payment for bills outside BECU loans, including utilities, cell phone, retail credit cards, medical payments and more. Scheduling your bills in the Bill Payment service allows you to see all your non-BECU bills in one place, plus there's no need to remember multiple logins. What's more, you skip scrambling for postage supplies – if the bill can't be paid electronically, we'll mail it in for you.
Be sure to schedule your payments to allow 3 business days for processing.
Bills paid, guaranteed2.
Once you input your payee information, you can rest easy – we guarantee it. As long as you input your payee information at least 3 business days before a bill's due date, we'll guarantee that the bill is paid on time.
Zelle®
Need to send money to the babysitter? Pay back your friends? BECU has partnered with Zelle® to make sending money to friends and family fast and easy, typically within minutes1, using their email address or U.S. mobile phone number. Plus, it's just as easy to receive money.
Zelle® is available within the BECU mobile app and Online Banking. No additional downloads needed. Log in to the BECU mobile app or Online Banking, follow a few simple steps and you're good to go.
Get started with Zelle® today.
Online Bill Pay Cost
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Online bill pay services permit customers to use their computer and the internet to pay anyone, from the lawn maintenance crew to a cable company. Online billing set up through a customer's bank is often free, although the checking account needed to provide funds for payments may require a minimum a balance or assess fees.Typical costs: | |||||
| |||||
| What should be included: | |||||
| |||||
| |||||
| |||||
| |||||
| CostHelper News | |||||
| What People Are Paying - Recent Comments | |||||
| External Resources: | |||||
| |||||
| Search Thousands of Topics on CostHelper.com |
How many days does Bank of America need to clear a bill pay check
Firstly, it isn't so generous. It is a win-win, but the bank doesn't have to mail me a free box of checks with my new account, or offer free printing to compete for my business. They already have the infrastructure to send out checks, so the actual cost for my bank to mail a check on my behalf is pretty minimal. It might even save them some cost and reduce exposure. All the better if they don't actually mail a check at all.
Per my bank
Individuals and most companies you pay using Send Money will be mailed a paper check. Your check is guaranteed to arrive by the delivery date you choose when you create the payment.
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A select number of companies–very large corporations such as telecoms, utilities, and cable companies–are part of our electronic biller network and will be paid electronically. These payments arrive within two business days.
So the answer to your question depend on what kind of bill pay you used. If it was an electronic payment, there isn't a realistic possibility the money isn't cashed.
If your bank did mail a paper check, the same rules would apply as if you did it yourself. (I suppose it would be up to the bank. When I checked with my bank's support this was their answer.)
Therefore per this answer: Do personal checks expire? [US]
It is really up to your bank whether or not they allow the check to be cashed at a later date. If you feel the does bank of america charge for bill pay isn't cashed quickly enough, you would have to stop payment and contact whoever you were trying to pay and perhaps start again. (Or ask them to hustle and cash the check before you stop it.)
Finally, I would bet a dime that your bank doesn't "pre-fund" your checks. They are just putting a hold on the equivalent money in your account so you don't overdraw. That is the real favor they do for you. If you stopped the check, your money would be unfrozen and available.
EDIT
Please first national bank of alaska fairbanks the comment about me losing a dime; seems credible.
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