Online Bill Pay lets you pay your bills online through your Online Banking account at Central Bank. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Online Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.
Tip: When you enter an amount, Online Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one. You can pay as many bills as you want at the same time from the Payment Center. After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
The Pending Payments section provides a quick summary of the payments that have not been processed yet.
The Recent Payments section provides a list of the bills that have been paid in the past 45 days.
You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.
You can pay anyone in the United States that you would normally pay by check or automatic debit. Even if you don't receive bills from the company or person you want to pay, you can still add the information we use to make payments. You can pay large companies and small companies, as well as individuals such as child care providers or family members.
When you pay a bill, Online Bill Pay sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Online Bill Pay prints a check and sends it to the address you provide when you add your bill.
To add a company or person to your list of bills, you first select one of the following options:
Company with an account number
Company without an account number
Company With an Account Number
If you have a bill, statement, or invoice from the company you want to pay, select the option Company with an account number. Check your statement for the company's name and your account number. If the biller has a unique identifier for your account, please enter it as your account number. Your account number provides the most important information that your biller uses to credit your payments properly.
When you select the option Company with an account number, you can either:
Search for an address match based on the company's name.
Enter all of the information we need to make your payments: the company's name, address, phone number, and your account number.
When you add a company with an account number, you may be able to add an electronic bill. An electronic bill typically contains the same information as the printed bill that is mailed to you.
Company Without an Account Number
If you want to make payments to a company that has not provided you with an account number, we can send payments with your name and address as identifying information. For example, if you make payments to a lawn service, they may only require your name and address information to credit your payments properly.
When you select the option Company without an account number, you can either:
Search for the company's name and address based on the company's phone number. If possible, please do not type a wireless or an unlisted phone number.
Enter all of the information we need to make your payments: the company's name, address, and phone number.
You can take advantage of the same Online Bill Pay features to make payments to individuals as well as to companies.
You can make payments online instead of writing checks.
You can keep track of all your bill payments at the Payment Center.
You can set up an automatic schedule for your payments.
For example, you may make weekly or monthly payments to a person for housecleaning or child care services, or you may send an allowance to a child at college. If you pay the same amount each period, you can set up an automatic schedule for your payments to avoid writing checks for each payment.
When you select the option Person, you can either:
Search for the person's name and address based on the person's phone number. If possible, please do not type a wireless or an unlisted phone number.
Enter all of the information we need to make your payments: the person's name, address, and phone number.
No, you do not need to contact the companies or people that you pay if you use this service. We make the payment based on the information you provided when you added your bill. If we have already established a relationship with a company or person you want to pay, we may send the payment electronically or to a location specified by the biller. Otherwise, we print and mail a check to the address you provided. If you enter your account information, we send it with your payment so that the company can credit your account properly.
Add a bill for each separate account you have with the company.
For example, if your phone company provides your home phone service, your wireless phone service, and your Internet service, you can add the company to your list of bills three times, each time with a different account number. If your phone company consolidates all of the information on one bill and provides you with one account number, you only need to add the phone company to your list of bills once.
Online Bill Pay uses several methods to ensure that your information is secure.
SSL—Online Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
Encryption—Online Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
Automatic Sign Out—Online Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in Online Bill Pay.
For best performance, we recommend you use the newest version of one of the following supported browsers:
Microsoft Internet Explorer 7 (Windows Vista and XP)
Microsoft Internet Explorer 6 (Windows XP)
Firefox 3 (Windows XP)
Apple Safari 3 (Mac OS X 10.5.x)
The Terms & Conditions are a complete and exclusive statement of the agreement between you and Central Bank regarding your Online Bill Pay service. The Terms & Conditions document contains information about authorization, liability, and limitation issues when using Online Bill Pay. In the event of a dispute regarding Online Bill Pay, you agree to resolve the dispute by looking to the Terms & Conditions document. The Terms & Conditions document provides details about the following items:
Payments that are prohibited.
Password and security information.
Your liability if unauthorized transfers occur.
Errors or questions about your transactions.
Situations in which your account information can be disclosed to third parties.
Charges assessed based on services provided.
Service transactions that are returned.
Notification requirements for termination or discontinuation of the service.
Look for the payment to move from the Pending Payments section to the Recent Payments section.
You can see a list of pending and recent payments for a particular biller in the Payment Assistant.
You can see a list of pending and recent payments for all billers in the Payment Center.
If the payment was processed normally, you see the amount of the payment. If you canceled the payment, or if it failed during processing, you see the status of the payment.
You can also check the status of the payment in Bill History. If the status is Paid, the payment has been sent to the biller. In some cases, you may see the date when the biller posted the payment to your account.
When you set up your bill reminders, you can select an option to receive an e-mail message when the payment is sent. The message contains any posting information that the biller sends us. If you want to confirm that the payment has been posted to your account, contact the biller. It can take a few days for the biller's payment system to show the credit to your account.
You can check the account statement from your financial institution to see if the funds were withdrawn from your payment account.
You can always contact your biller directly regarding payments to your account.
A preferred account is the payment account from which you pay most of your bills. When you designate an account as your preferred account, it appears first in the Pay From list by default.
To change your preferred account, simply select another account in the Pay From list. When you choose a different account, the Make Preferred Account check box appears so that you can select it for the new preferred account.
Note: You must make a payment to designate a preferred account. If you select the Make Preferred Account check box but don't make a payment, the previous preferred account selection continues to appear as your preference.
The confirmation number is a unique identifier that Online Bill Pay automatically assigns to each payment. If you have a problem with a payment, use this number to refer to the payment when you contact customer service. However, if you send us a payment inquiry, the confirmation number is automatically associated with the payment in question.
The confirmation number does not indicate that the company or person has received the payment. Please refer to the previous question to learn how to verify that a company or person has received the payment.
A note contains descriptive information that you want to keep on file with the payment. Online Bill Pay does not send the note to the company or person with your payment. You can add a note to any payment in Online Bill Pay. You can review the note when you view the details of your payment on the Bill Detail page. The maximum length of a payment note is 256 characters.
A memo contains information that is printed on the memo line of a check that Online Bill Pay sends to the company or person. You can only add a memo to payments that Online Bill Pay sends by check. The memo is also kept on file with the payment, so you can review the memo when you view the details of your payment on the Bill Detail page. The maximum length of a memo is 34 characters.
If the payment has started processing, or if the status is Paid, call the biller's customer service.
Tip: If you want to change a payment that has been scheduled automatically, consider setting up bill reminders instead of an automatic payment schedule. The reminder appears below the bill in the Pay Bills section of the Payment Center for a certain number of days before the due date. You can check the reminders to ensure you're making payments on time. Automatic payment schedules work well for bills that are a set amount paid at regular intervals, such as your mortgage, rent, or car loan.
After you cancel a payment, its status changes to Canceled and it is not processed. Canceled payments appear in:
The Recent Payments section of the Payment Center.
Note: If you cancel an automatic payment, only the selected payment is canceled. You do not cancel any future payments in the payment schedule. To cancel all payments that you've scheduled to be paid automatically, go to Manage My Bills and delete the automatic payment.
Popmoney is our person-to-person payment service available through Online Banking or with our Central Bank Mobile App. Use Popmoney to anyone you know, or owe – it’s the easy way to send and receive money directly from your Central Bank account. Pay your rent or send money to your kids away at college – it’s safe and secure and all you need is an email address or mobile phone number.
From the moment information is sent to Popmoney to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used. For every initial payment to a new email address or mobile phone number, a one-time passcode is sent to the user. The user must provide that passcode back to Popmoney to verify his “ownership” of that mobile number or email address before he can deposit the payment.
With Popmoney, a recipient can receive money in as little as one business day. However, in some cases it may take longer. For example, if you send an email or mobile payment and the recipient is not yet registered for Popmoney, he/she must sign up for the service so that we have their account information to deposit their payment. Also, if you exceed your next-day payment limits, then we will deliver payments within three business days. Limits can and will vary and can be checked by clicking the Help icon on the Send Money screen.
Popmoney allows you to make person-to-person transfer directly from your bank account to an account of anyone you designate. All you need to get started is the First and Last Name of the recipient plus their Email or Mobile Phone number OR Bank account information.
If you elect to send money to a recipient using their Email or Mobile Phone number: The recipient that you designate will receive either an Email or Text Message on their Mobile Phone, with instructions how to claim the payment and complete the transaction.
If you elect to send money to a recipient using their Bank Account information: The money that you transfer will be deposited directly into the account of the recipient that you designate. No further action is necessary.
At times, we may provide links to sites outside the control of our bank. We do not make any representations concerning the linked sites' contents or availability. You should review each site's privacy and information security policies carefully before you enter confidential information.