| Bill Payment |
 | What are the costs associated with setting up and using Automated Bill Payer? |
| There is no cost for bill pay. It is FREE! |
| How long does it take for a bill payment to post to the merchant's account? |
| When adding a payee for the first time, please allow up to 8 business days for the payment to post. During this time, our payment processor partner will contact the merchant to verify the address, account number and method of payment (electronic or check). Once this is done, any future payments will take either two business days if paid electronic or six business days if paid be check. Bill Pay will show how many days the funds will take to arrive. |
| How will I know which bill payments are made electronically and which are paid by a check? |
| This information can be viewed by clicking on Payments then on Payment Center. There is a 'Send On' field and a 'Deliver By' field. If there is 2 business days in between these two fields, then it is paid electronically. If there is 5 business days in between, the it is paid by check. |
| Once the funds for a bill payment have been withdrawn from the member's account, can the payment be stopped? |
| If the payment was sent electronically,there is no way of stopping an electronic payment. The member would need to contact the merchant for a refund. If the payment is sent out via check and the check has not cleared, a stop payment can be placed. The member will be responsible for a stop payment fee and any fees assessed by the merchant. |
| How do I cancel Automated Bill Payer? |
| Please call 800-351-1670 or 915-562-1172 or email us at cumail@firstlightfcu.org and we will be able to assist you in cancelling your bill pay service. |
| How does a member sign up for Bill Payment? |
| Here's how you can begin paying your bills online for FREE! Please print a copy of these instructions. It will make it easier to follow while signing up for the service.
1. Login to Online Banking
2. Click 'Sign On'
3. Click 'Pay Bills'
4. Read the Electronic Funds Transfer Agreement and click on continue if you agree.
5. Select the appropriate Checking Account and click on Next.
6. Confirm the registration by clicking on Yes.
7. The Bill Pay Home Page will display. If you are a brand new user, the explanation of the new bill pay system will appear. We encourage you to preview the new pages or click on demo to familiarize yourself with the service. Once you are comfortable with the way it works, click on Activate Bill Pay.
8. Click on Payments and the options to add your payees will come up. Choose item A or B and continue the process.
9. Fill in all of the information exactly as it appears on your bill
10. Repeat steps for additional payees.
11. If you need additional help please email us at cumail@firstlightfcu.org or call our toll free Bill Pay Member Service Center at 800-782-7093 for more assitance.
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| What happens if my merchant does not receive my payment? |
| Please call our Bill Pay Member Care Center at 800-782-7093 for assistance. |
| What do I do if I have a question concerning any late charges? |
| Please call our Bill Pay Member Care Center at 800-782-7093 for any assistance. |
| What is Money HQ, also known as money movement? |
| Money HQ is a very innovative way of transferring money from person to person or account to account. Please click on the Money HQ, in bill pay, to get an explanation on Money HQ. |
| Is there a charge for Money HQ? |
| Yes there is a charge of $1.50, per transaction, for transferring money from person to person or account to account. This is known as a standard delivery and takes 3 days for an account to account transaction and up to 6 days for a person to person. There is also a $8.95 charge for an overnight delivery which is only available on the account to account transaction. Please refer to the rules governing the account to account overnight delivery. |
