Payment Features (Bill Pay, Popmoney and Bank-to-Bank) Frequently Asked Questions (FAQs)

Bell State Bank & Trust works with Checkfree®, a third-party vendor, to provide an excellent payment services. You may also refer to the online help in the payments tab in personal online banking.

 

Bill Pay

This is an overview. For more detailed questions and answers, sign-on to Personal Online Banking and look for the  icon.

Watch the Bill Pay demo.

Who can I pay using online Bill Pay?

Pay practically any person or company located in the United States with Bill Pay! Certain court-directed and government payments are prohibited, including: alimony, child support, taxes, fines and penalties.

When will the money be taken out of my account?

Funds for electronic transactions will be withdrawn from your account on the Pay Date. For Paper Checks, the money will be withdrawn from your account on the date the check clears the bank.

What is the pay date?

This is the date the biller will receive the funds. The earliest possible Scheduled Payment Date for each Biller (typically 4 or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least 1 Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.

What does the term cut-off refer to?

The term cut-off refers to the deadline by which payments must be scheduled in order to be processed on the current processing day. Payments scheduled after the cut-off time cannot be processed until the next processing date.

How late in the day can I enter, edit, or delete a payment?

Edits, changes, or deletions may be made to any payment not yet in the processing status up until the cut-off time. The following cut-off times apply to the payment features:

  • Bill Pay – Overnight checks – 3 p.m. CT
  • Bill Pay – Scheduled Payments
    • 12 a.m. CT and 12 p.m. CT
    • Next day payments must be scheduled by 4 p.m. CT

What if I do not have enough money in my account?

Bell State Bank & Trust will treat bill payments just like any other check you write or electronic transaction you authorize. If a payment overdraws your account, you will have an Overdraft Item Charge. If a payment is returned, Bell State Bank & Trust will charge a Return Item Charge. These fees are listed in the bank’s Service Charge brochures.

Can I get a copy of a canceled Paper Check?

Yes. Images of Paper Checks are available online. You may print these images at your convenience from your Account Detail or from Online Statements.

How can I tell the difference between a Bill Pay check and a check I write from my checkbook?

Bill Pay checks will have a different check range than the checks written from your account; in general, your Bill Pay checks will begin with 98.

What is a biller?

Billers are the people or companies to which bills are paid. Billers can be individuals or businesses located in the United States. (Note: in the previous Bill pay system billers were referred to as payees.)

Can I edit a biller’s addresses, account number, or name?

Biller information such as name, address, or payment method may change over time. If the biller is set up manually, you may update any information. If the biller is set up using the online biller list, limited information can be updated.

How do I know if a biller is being processed electronically or by Paper Check?

There is no guaranteed method for determining which billers are being processed electronically versus by Paper Check. The earliest possible Scheduled Payment Date for each Biller (typically 4 or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least 1 Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.

Will the memo field be printed on the check sent to the biller?

Yes. The memo line prints up to 34 characters on each Paper Check. The biller’s account number also prints on the check, allowing the biller to know where to apply the payment.

Can I add a note about the payment for my own recordkeeping?

A payment note can be added to any payment in a 256-character field. Payment notes are your personal use within the application and will not be printed on any checks or remitted to the biller. Payment notes are viewable from the Bill Detail screen.

What are Biller Categories and how do I manage them?

Biller Categories allow you to manage your billers by classifying each based on your own criteria. This feature helps you manage where your money is being spent. Each time you send a payment, you are given the option of choosing a Payment Category. In addition, you may set up different categories or change a category at a later date.

How do I inquire on the status of a payment?

Start by reviewing your account through the Personal Online Banking Bill Payment section. Scan the payment history and view scheduled payments. If the information you are seeking does not appear, please contact us at 800-450-8949 between 7 a.m. – 11 p.m. CT, Sunday through Saturday, and you will be assisted you with your inquiry.

What happens to a recurring payment when the Bill Payment date falls on a weekend or holiday?

If a recurring payment falls on a weekend or holiday, will automatically roll to the previous business day to be processed.

Are there any minimum and maximum Bill Payment amounts?

Yes. The minimum amount you can make a payment for is $1.00. The maximum amount you can make a payment for is $25,000.00.

Can I stop a payment?

If the item was sent as a Paper Check, you are able to place a stop payment on it, just as you would a check you wrote yourself. The standard fee for processing a stop payment applies. Just contact us at 800-450-8949 between 7 a.m. – 11 p.m. CT, Sunday through Saturday, to request a stop payment be placed. The information that will be needed is the check number, the dollar amount, the date the check was written and the name of the biller. If your bill pay item was sent electronically, a stop payment cannot be placed. Please contact the biller directly to make arrangements for receiving a refund of the payment.

What is an eBill and how do I sign up for one?

An ebill is an electronic version of a bill. Through the Payments tab in Personal Online Banking, you will be able to access your eBills.

What do the images beside each biller mean?


Get Bill: When you add a biller that allows you to receive your bill or statement electronically, you will see the Get Bill icon. Click the icon to go to the Add an Electronic Bill page.


Bill Due: This icon appears when you have an electronic bill that is due.


Bill: This icon appears when one of the following conditions is true:

  • You’ve added an electronic bill, but you haven’t received your first one.
  • You’re receiving electronic bills from the biller, but you don’t have any bills due.


Auto Pay: If you’ve set up a bill to be paid automatically, the automatic payment icon appears next to the biller name. You can select the icon to change or delete your automatic payment.

Why did I get a message saying my eBill couldn’t be set up?

If you are already receiving your bill from a company electronically, you need to contact the biller and ask that the electronic bill be stopped. Then, you can sign-on to Personal Online Banking, click on the Payments tab, and click on Get Bill next to the biller’s name to set up an eBill.

Bank-to-Bank Transfers (Transfer Money)

This is an overview. For more detailed questions and answers, sign-on to Personal Online Banking and look for the “?” icon.

What is the Account verification process and why is it necessary?

To ensure you are the owner of the account you wish to transfer funds to outside of Bell State Bank & Trust, two small deposits in, and one withdrawal out of your account are made. Once you know the amounts of the deposits, you are able to complete the verification process. Within the verification process, the deposits can be listed in any order but must be the exact amounts as they appear in the online banking statement.

Can I transfer money from my account at another financial institution to my Bell State Bank & Trust account?

Yes, once you have verified your account as described above, you can transfer funds to and from your other financial institution with your accounts at Bell State Bank & Trust. Bank-to-Bank transfers will generally post the next business day as long as it is completed before the cut-off time.

Can an Bank-to-Bank transfer happen between Bell State Bank & Trust and a foreign Bank?

No, at this time, only United States accounts can be used.

 

 

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