does bank of america charge for bill pay

Bill Pay · Log in to your account via Online Banking or the Mobile App and select “Bill Pay” · Enter your mother's maiden name and the country in which you live. One of the best ways to use a bill pay service is through your bank or credit union. Almost every major bank and credit union offers this. Many banks offer basic bill pay service for free with their checking accounts, though they may charge for extra features, such as being able. does bank of america charge for bill pay

Does bank of america charge for bill pay -

Online Bill Pay Cost

 
low costLow: Freeaverage costFees: Up to $10 Per Month

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:
  • Online bill pay services range from free to $9.95 per month. At Virginia-based Presidential Bank[1] , online bill pay is free for customers with interest-bearing checking accounts with at least a $500 balance. Another checking account requires a $100 minimum balance, but does not accrue interest and charges $5.95 per month for the first 10 bill payments plus 40 cents for each additional one.
  • Bank of America's online bill pay service is free for checking customers and includes unlimited payments. The company's checking accounts[2] vary, but generally cost from $8.95 to $25 per month, with fees waived if minimum balances ranging from $1,500 to $10,000 are maintained or if monthly direct deposits are made. The bank's web-only checking is also free as long as customers receive statements online and conduct deposits and withdrawals at bank-owned ATMs. Otherwise, there's an $8.95 monthly charge.
  • Nebraska-based online bank FNBO Direct[3] allows customers to pay bills through email or with an internet-enabled mobile phone using web-based personal financial management service Mint.com[4] . FNBO makes payments over the internet or-- if the merchant does not accept internet payments--using traditional paper checks sent through the mail.
  • At New York's Ballston Spa National Bank[5] , unlimited bill pay costs $4.95 a month with a basic checking account that's free with a $500 minimum balance.
  • Fiserv[6] is a company that handles online bill pay functions for a fee; $5.95 a month for the first 15 transactions, plus 50 cents for each additional payment. Another non-bank based bill pay service, PayTrust.com[7] , also lets users pay bills electronically. The company charges $9.95 per month for 25 transactions plus 65 cents per additional transaction. One downside of the service--receiving a bill and paying a bill are considered two separate transactions, boosting the cost, according to The New York Times Co.'s ConsumerSearch.com[8] .
Related articles:Online Banking, Line of Credit, Financial Planner

What should be included:
  • Look for a bill pay service that offers customer support 24 hours a day 7 days a week to resolve time-critical financial payment needs. Most larger banks and private bill pay companies offer such assistance.
  • Find which creditors can be serviced by online bill pay; Wells Fargo[9] and others with bill pay services list e-billers prominently on their website.
  • Find out whether the bill pay service will send conventional paper checks to companies that do not accept online payments, as Fiserv does.
  • U.S. Bank[10] permits customers to set up email payment reminders.
Additional costs:
  • Making payments or checking balances on a cell phone or mobile device may result in mobile fees that vary according to the consumer's carrier, according to Bank of America[11] .
  • With smaller banks or some private bill pay services, extra fees are charged if customers exceed a set number of transactions. MSN Bill Pay[12] charges $5.95 monthly for 15 payments, and then $2.95 for 5 more payments or 50 cents for a single extra payment. However, larger companies including Bank of America permit an unlimited number of transactions per month.
Discounts:
  • Wells Fargo permits customers with bank accounts that are not eligible for free bill pay service to try it free[13] for two months. After that, the cost is $6.95 per month.
Shopping for online bill pay:
  • Leading consumer website CreditCards.com[14] gives tips about the pros and cons of paying bills online.ConsumerSearch.com[15] weighs advantages to consumers who sign up for online bill pay through their existing bank rather than another firm. U.S.Bank[16] gives safety tips for people using online bill pay services.
  • Top-rated online bill pay services for 2011 are ranked by consumer site TopTenREVIEWS[17] . ConsumerSearch.com also ranks[18] several independent online bill pay companies.
  • Complaints involving national banks are handled by the Comptroller of the Currency Administrator of National Banks[19] . Complaints involving bill pay services offered by credit unions are handled by the National Credit Union Administration.
  • The FDIC has detailed information[20] on online banking regulation and where to file complaints.
  • Not all domestic banks or those chartered outside the U.S. are insured by the FDIC, and customers may not be reimbursed by regulators should the bank fail. Check a bank's status using the FDIC's Bank Find[21] tool.
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External Resources:
  1.  www.presidential.com/InternetACs.htm
  2.  /www.bankofamerica.com/
  3.  /www.fnbodirect.com/01d/html/en/learn_more/products/online_billpay.html
  4.  /www.mint.com/
  5.  /www.bsnb.com/site/billpay_fees_charges.asp
  6.  www.checkfreecorp.fiserv.com/cda/corp/L3.jsp?layoutId=326
  7.  paytrust.intuit.com/paytrust-online-bill-pay-faqs.jsp
  8.  www.consumersearch.com/computers-and-internet
  9.  //www.wellsfargo.com/wfonline/bill_pay/ebills/list
  10.  /www.usbank.com/online-banking/faqs.html
  11.  /www.bankofamerica.com//onlinebanking/index.cfm?template=what_you_can_do
  12.  billpay.msn.com
  13.  /www.wellsfargo.com/wfonline/bill_pay
  14.  www.creditcards.com/credit-card-news/12-tips-for-auto-bill-pay-1267.php
  15.  www.consumersearch.com/computers-and-internet
  16.  /www.usbank.com/online-banking/faqs.html#IS5
  17.  bill-paying-services-review.toptenreviews.com
  18.  www.consumersearch.com/computers-and-internet
  19.  www.helpwithmybank.gov/national-banks/national-banks.html
  20.  www.fdic.gov/bank/individual/online/help.html
  21.  www2.fdic.gov/idasp/main_bankfind.asp
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Источник: https://personalfinance.costhelper.com/online-bill-pay.html

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
Источник: https://www.chase.com/business/online-banking/bill-pay

U.S. Bank Bill Pay

Skip to main content

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:
  1. Select Bill payments at the top of the page, then Pay bills & U.S. Bank accounts.
  2. 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.
  3. Make your desired changes on the Edit payment page, then select Save.
To change or cancel an automatic payment:
  1. Select Bill payments at the top of the page, then Pay bills & U.S. Bank accounts.
  2. 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.
  3. On the Edit payment page, select the Edit autopay link.
  4. 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:
  1. Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill.
  2. On the My bills screen, find the biller whose payment you wish to cancel or change and select it.
  3. On the Bill details screen, select the upcoming payment you wish to cancel or change.
  4. Make your desired changes on the Edit payment screen, then select Save.
To change or cancel an entire autopay series:
  1. Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill.
  2. On the My bills screen, find the biller whose payment you wish to cancel or change and select it.
  3. On the Edit payment page, select the Edit autopay link.
  4. Make your desired changes on the Edit autopay screen, then select Save.

In online banking:

  1. Select Bill payments at the top of the page, then Pay bills & U.S. Bank accounts.
  2. On the Your bills page, select the Activity tab.
  3. 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:

  1. Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill.
  2. 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:

  1. After you set up a biller, select that biller from the My bills page.
  2. Choose the Digital bills option in the right sidebar and follow the instructions to set up.

In the U.S. Bank Mobile App:

  1. After you set up a biller, select that biller from the My bills screen.
  2. 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.

Источник: https://www.usbank.com/online-mobile-banking/bill-pay.html

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.

Источник: https://www.becu.org/everyday-banking/payments-for-any-situation

Online Bill Pay Cost

 
low costLow: Freeaverage costFees: Up to $10 Per Month

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:
  • Online bill pay services range from free to $9.95 per month. At Virginia-based Presidential Bank[1]online bill pay is free for customers with interest-bearing checking accounts with at least a $500 balance. Another checking account requires a $100 minimum balance, but does not accrue interest and charges $5.95 per month for the first 10 bill payments plus 40 cents for each additional one.
  • Bank of America's online bill pay service is free for checking customers and includes unlimited payments. The company's checking accounts[2] vary, but generally cost from $8.95 to $25 per month, with fees waived if minimum balances ranging from $1,500 to $10,000 are maintained or if monthly direct deposits are made. The bank's web-only checking is also free as long as customers receive statements online and conduct deposits and withdrawals at bank-owned ATMs. Otherwise, there's an $8.95 monthly charge.
  • Nebraska-based online bank FNBO Direct[3] allows customers to pay bills through email or with an internet-enabled mobile phone using web-based personal financial management service Mint.com[4]. FNBO makes payments over the internet or-- if the merchant does not accept internet payments--using traditional paper checks sent through the mail.
  • At New York's Ballston Spa National Bank[5] does bank of america charge for bill pay, unlimited bill pay costs $4.95 a month with a basic checking account that's free with a $500 minimum balance.
  • Fiserv[6] is a company that handles online bill pay functions for a fee; $5.95 a month for the first 15 transactions, plus 50 cents for each additional payment. Another non-bank based bill pay service, PayTrust.com[7]also lets users pay bills electronically. The company charges $9.95 per month for 25 transactions plus 65 cents per additional transaction. One downside of does bank of america charge for bill pay service--receiving a bill and paying a bill are considered two separate transactions, boosting the cost, according to The New York Times Co.'s ConsumerSearch.com[8] .
Related articles:Online Banking, Line of Credit, Financial Planner

What should be included:
  • Look for a bill pay service that offers customer support 24 hours a day 7 days a week to resolve time-critical financial payment needs. Most larger banks and private bill pay companies offer such assistance.
  • Find which creditors can be serviced by online bill pay; Wells Fargo[9] and others with bill pay services list e-billers prominently on their website.
  • Find out whether the bill pay service will send conventional paper checks to companies that do not accept online payments, as Fiserv does.
  • U.S. Bank[10] permits customers to set up email payment reminders.
Additional costs:
  • Making payments or checking balances on a cell phone or mobile does bank of america charge for bill pay may result in mobile fees that vary according to the consumer's carrier, according to Bank does bank of america charge for bill pay America[11] .
  • With smaller banks or some private bill pay services, extra fees are charged if customers exceed a set number of transactions. MSN Bill Pay[12] charges $5.95 monthly for 15 payments, and then $2.95 for 5 more payments or 50 cents for a single extra payment. However, larger companies including Bank of America permit an unlimited number of transactions per month.
Discounts:
  • Wells Fargo permits customers with bank accounts that are not eligible for free bill pay service to try it free[13] does bank of america charge for bill pay two months. After that, the cost is $6.95 per month.
Shopping for online bill pay:
  • Leading consumer website CreditCards.com[14] gives tips about the pros and cons of paying bills online.ConsumerSearch.com[15] weighs advantages to consumers who sign up for online bill pay through their existing bank rather than another firm. U.S.Bank[16] gives safety tips for people using online bill pay services.
  • Top-rated online bill pay services for 2011 are ranked by consumer site TopTenREVIEWS[17]. ConsumerSearch.com also ranks[18] several independent does bank of america charge for bill pay bill pay companies.
  • Complaints involving national banks are handled by the Comptroller of the Currency Administrator of National Banks[19]. Complaints involving bill pay services offered by credit unions are handled by the National Credit Union Administration.
  • The FDIC has detailed information[20] on online banking regulation and where to file complaints.
  • Not all domestic banks or those chartered outside the U.S. are insured by the FDIC, and customers may not be reimbursed by regulators should the bank fail. Check a bank's status using the FDIC's Bank Find[21] tool.
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External Resources:
  1.  www.presidential.com/InternetACs.htm
  2.  /www.bankofamerica.com/
  3. access bank near me  /www.mint.com/
  4.  /www.bsnb.com/site/billpay_fees_charges.asp
  5.  www.checkfreecorp.fiserv.com/cda/corp/L3.jsp?layoutId=326
  6.  paytrust.intuit.com/paytrust-online-bill-pay-faqs.jsp
  7.  www.consumersearch.com/computers-and-internet
  8.  //www.wellsfargo.com/wfonline/bill_pay/ebills/list
  9.  /www.usbank.com/online-banking/faqs.html
  10.  /www.bankofamerica.com//onlinebanking/index.cfm?template=what_you_can_do
  11.  billpay.msn.com
  12.  /www.wellsfargo.com/wfonline/bill_pay
  13.  www.creditcards.com/credit-card-news/12-tips-for-auto-bill-pay-1267.php
  14.  www.consumersearch.com/computers-and-internet
  15.  /www.usbank.com/online-banking/faqs.html#IS5
  16.  bill-paying-services-review.toptenreviews.com
  17.  www.consumersearch.com/computers-and-internet
  18.  www.helpwithmybank.gov/national-banks/national-banks.html
  19.  www.fdic.gov/bank/individual/online/help.html
  20.  www2.fdic.gov/idasp/main_bankfind.asp
More Personal Finance Topics
Search Thousands of Topics on CostHelper.com
Источник: https://personalfinance.costhelper.com/online-bill-pay.html

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.

.

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.

Источник: https://money.stackexchange.com/questions/22901/how-many-days-does-bank-of-america-need-to-clear-a-bill-pay-check

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  • Online Bill Payment

    Make paying bills as painless as possible

    Welcome no stamps, no check writing, and no mailing…all for free. Move on to 21st-century bill paying with our convenient, easy-to-use, online bill payment.

    Learn more about eBills

What You Get

  • This free service lets you pay virtually anyone

    Pay Virtually Anyone

    Easily pay any person or business in the U.S., Puerto Rico, Guam and the U.S. Virgin Islands.* Need to make international payments? Simply choose Citibank® Global Transfers or Citibank Wire Transfers.

    *Many government agencies do not accept electronic payments initiated from online banking websites. If you choose to submit online payments that are fulfilled via check to a government agency, we are not responsible for any fees you may incur as a result of a late delivery of a check through the postal system.

     in the U.S. It's fast—you can pay all your bills in minutes—easy to use, and comes with an Online Bill Payment Promise, so you'll know that your bills will be paid on time.
    View eBill Participating Merchants

Relationship Rewards

A bill payment can help you earn monthly ThankYou® Points when it is sent from a checking account enrolled in Citi ThankYou® Rewards .

Learn how you can earn rewards for your banking relationshipFootnote 1.

Citi Online Bill Payment comes with time-saving features including:

  • One-time payments

    One-Time Payments

    Simple to do and undo. Need to change or cancel a one-time payment? Just do so by 11:59 p.m. ET prior to the scheduled payment date.

    scheduled from the next day up to one year in advance.
  • Express payments

    Express Payments

    Quickly allows you to select payees and pay up to 12 at once.

    let you pay multiple bills at once
  • Recurring Payments

    Recurring Payments

    We've all got those bills we pay every single month for the same amount-like car payments and cable bills. Why not simply set up a recurring payment and be done? Just specify the amount, frequency and duration of each payment. You can even easily change or cancel the next or all future payments with a click of the keyboard (just do so by 11:59 p.m. ET prior to the scheduled payment date).

    for ongoing bills (like rent), so you don't have to remember each time they're due
  • Bill Payment Alerts

    Bill Payment Alerts

    Convenient online bill payment alerts give you the info you need, how you need it—via text or email. You'll know:

    • Which payments cleared on the prior business day
    • Which payments have not cleared in 15 calendar days
    • If there are insufficient funds (we try to make the payment 3 times, giving you time to does bank of america charge for bill pay funds to checking)
    • Which payments have been set up or changed
    • When it's 2 days before any scheduled payment
    inform you when there are insufficient funds in checking, so you allen edmonds shoes time to make adjustments
  • Bill payment check images

    Bill Payment Check Images

    You can view and print an online bill payment Check image by signing on and going to the Payment History detail page for your payee. Note: Check images will be available 1 business day after they reach Cleared status.

    as proof of payment
  • Payee spending report shows how much you've spent on each payee this year and last
  • eBills lets you receive, view and manage your bills on Citi Online.

  • Online Bill Pay With Points lets you use the ThankYou® Points you've already earned toward your bill payments. Does bank of america charge for bill pay You Points cannot be used for bill payments toward any accounts with Citibank or a Citibank affiliate or for express or recurring payments.
  • Plus, Online Bill Payment iberiabank merger help you earn monthly ThankYou® Points when you pay from a checking account enrolled newburyport five cents savings bank Citi® ThankYou® Rewards.

    ThankYou Points

    Citi® ThankYou® Rewards is a rewards program that allows you to get points each month just for banking with us.

    Each month you can get points for your checking account relationship based on:

    • the type of checking account package you have and whether it's active (i.e., if at least one credit or debit transaction has been made from the enrolled account);
    • the number of qualifying linked products and services that you have and use.
    Learn More about ThankYou PointsFootnote 1

How It Works

Online Bill Payment is available to all Citi Online customers with a checking account—no need to enroll.

The first step is to set up your payee list. Select the people and businesses you pay frequently from an extensive list of merchants, many of whom accept electronic payments (received within two business days). Need to add your own personal payees? We'll put the check in the mail for you(received within 5-7 business days).

Then simply choose between a one-time or recurring payment and you’re done. That's it!

Источник: https://online.citi.com/US/JRS/pands/detail.do?ID=BillPay

watch the video

How to Pay Bills Using Bank of America’s Mobile Banking App

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