Tinker Federal Credit Union


TFCU Home Branch

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BillPay FAQ

Answers to Frequently Asked Questions about BillPay Online

What is BillPay Online?

BillPay Online allows you to pay bills or make other payments from your checking account using the Internet. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere in the world. If you can access the World Wide Web, you can use BillPay Online.

What is required to use BillPay Online?

You must have a checking account at Tinker Federal Credit Union, one of the two most recent versions of the following Internet browsers: Internet Explorer, Firefox, Safari or Google Chrome, and Internet access to use BillPay Online.

It is strongly recommended that you enable the use of pop-ups for our website. Pop-up functionality is used by many websites to display advertisements to users, but some services like this one, use pop-up functionality to draw attention to important information.

In order to provide optimal security, performance and reliability, this service requires that cookies be enabled on your Web browser. Cookies are a small piece of information that a Web server can store on your browser so the system recognizes your actions during a session.

As you browse the Web, some cookies are “set” on your Web browser. For example, cookies are used to store preferences you have requested on frequently visited websites. When you close your browser, some cookies are stored in your computer’s memory in a cookie file, while some expire immediately. All cookies have expiration dates.

Cookies cannot be used to obtain data from your computer, get your email address or access sensitive or personal information. The only way that any private information could be part of your cookie file would be if you personally provided that information to a website. Also, each cookie can only be read at the site where the cookie was created.

How do I enroll?

It’s easy – there are no forms to complete and no paperwork. Once you are logged into Home Branch, click on the BillPay Online link on the top. The first time you click on that link, an enrollment screen will be displayed. Just agree to the terms and conditions, and you can begin adding payees and making payments immediately.

How much does BillPay Online cost?

Home Branch and BillPay Online are both FREE.

Is there a dial-up (non-Internet) version of BillPay Online available?

No, the only computer-based bill paying available from TFCU is BillPay Online, which is accessed via the Internet. The advantage to this is that you don’t need any special software to use the service. If you can access the Internet, and have a web browser that meets our requirements, you can use BillPay Online immediately.

I’ve enrolled in BillPay Online. What do I do now?

When you get on to BillPay Online for the first time, you must add payees before you can schedule payments. When setting up your payees, please make sure that the information is obtained from the most current bill received. This will avoid any processing delays, which are often caused by an old or incorrect account number or an incorrect mailing address.

What is the cutoff time for submitting payments?

The BillPay cutoff time is 11:00 a.m. CST. Anything setup after this time will be scheduled for the next day. Payments are not sent on Sundays or holidays.

How can I see which payments are pending or have been paid?

To view your pending payments or history, just click on the “Payment Activity” tab at the top.

Can I use personal finance software such as Quicken or Money to schedule bill payments?

Currently, all Home Branch functions, including BillPay Online, can only be accessed via the Home Banking website. We have investigated the possibility of offering access via Quicken or Money, but there are no plans to do so in the near future.

What should I do if I have a problem or question?

The first thing to do is see if the answer to your question is contained either in these Frequently Asked Questions or the BillPay Help within the BillPay system. If you still have a problem or question, feel free to email us at memberservices@tinkerfcu.org, or call us at (405) 732-0324 OR 1-800-456-4828. For situations of an urgent nature, please contact us by phone rather than email.

Can I stop a payment I have scheduled?

From the Payment Activity page, you can delete payments that you scheduled earlier in this online session or in a previous session.

To delete a payment, click on the “Edit” link next to the payment that you want to delete. An image with the details of the payment you selected will be displayed. Click on the “Delete Payment” button. If you selected a Recurring payment, you will be prompted to select whether you want to delete all of the scheduled recurring payments or only the next payment in the series.

A couple of exceptions apply:

  • If you submitted a payment and the Send On date was today, you may only delete that payment during the session that you submitted it.
  • Expedited payments cannot be deleted once they are submitted.

To stop payment on a bill payment check that has not cleared, you can also call TFCU at (405) 732-0324 OR 1-800-456-4828. Please do not make these types of requests via email, since timing may be critical to our ability to stop the payment.

How do I schedule payments?

First, click on the “BillPay” tab and go to the Payment Center. Payments can be scheduled using the Pay A Bill or the Pay Multiple Bills view.

Funding Accounts

If multiple funding accounts are available, select the account from which you would like the payment(s) to be made. If you wish to fund either one-time or recurring payments from an eligible account other than your primary [default] account, select a different funding account from the drop down box. If you would like to make multiple payments using multiple funding accounts, you will need to make payments using each funding account separately.

One-time payment

To schedule a one-time payment, find the payee you wish to pay and enter the amount of the payment. Next, select the date you wish the payment to arrive, referred to as the Deliver By date. The earliest Deliver By date is pre-populated in the input box. To change the Deliver By date, either click on the calendar icon or simply enter a new date.

Scheduling payments using the Calendar

When using the calendar scheduling icon, roll your cursor over the date that you want the payment to be delivered. This is called the Deliver By date on our bill payment service. The corresponding Send On date, or date on which the funds will be withdrawn from your account, will be displayed. You can select a Deliver By date on any day of the week, including weekends. Selecting a deliver by date will close the calendar window.

Payment Memo

You can enter notes to yourself about your payments in the Memo field. Memos will not be sent to the payment recipient but are saved with the payment in the bill pay application for your future reference.

Detail Payee Information

To access detailed information about any of your payees, click on the payee name in the Pay Multiple Bills View in the Payment Center. The Payee Information Window will then appear and provide you with a summary of your payee information, including the address, account number, eBill status, and recent payment activity. To view or edit detailed information about the payee, click the “View/Edit Payee Details” button.

Recurring Payments

Setting up automatic Recurring Payments makes paying bills with fixed amounts, such as mortgages, auto loans, and day care payments a snap. To schedule a recurring payment, enter the amount of the payment. Click the “One-Time” link in the Frequency column. A new window will appear that will help you quickly set up your recurring payment.

In the Recurring Payments window, click the button next to the “Recurring Payments” option. Next, select the frequency with which you would like the payment to be delivered (for example weekly or monthly).

Next select one of the End Date options:

  • Select the Deliver by Date of the last payment in the recurring series
  • Select the number of payments you would like to send, and the end date will be automatically calculated

Finally, click “Continue” to close the Recurring Payments window

Expedited Payments

Some payees are eligible for expedited payment processing. This means that the payment can be delivered and posted on the same day, or the next business day, depending on the time of day that you attempt to schedule the payment. You will see an “Expedite” option in the payment center next to any payee that is eligible for expedited processing. Fees associated with this service are disclosed when you are setting up the payment.

Expedited Payments allow for guaranteed, same day posting if they are submitted before the payee’s cutoff time. You may place your mouse over the expedited date to view the cutoff time. If an expedited payment is submitted after a payee’s cutoff time, the payment will be guaranteed to post on the next business day.

Prior to an expedited payment being submitted, you must read and accept the terms and conditions of the Expedited Payment Service. Once you accept the terms and conditions, the payment is submitted and your account will be debited immediately. A debit for one amount will appear on your account statement for the total of the bill payment plus the expedited fee amount. Expedited payments cannot be modified or deleted once they are submitted.

Expedited payments cannot be made on a scheduled or recurring basis. We are always adding new payees that are eligible to receive expedited payments so be sure to check frequently.

What are recurring payments?

Recurring payments can be set up for payments that are processed on a fixed frequency for a fix amount. The recurring payment setup will allow you to select the payee, amount, frequency and number of payments to be processed (or indefinite). Once the recurring setup has ended, the system will alert you via an email.

Is there a guarantee that my payment will get to the payee on time?

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please refer to your Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.)

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

  • The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a “Send On” date no later than July 1st.)
  • The payment amount did not exceed $10,000.
  • The payment was not made to an excluded payee:
    — Payments that failed due to insufficient funds or other reasons
    — Payments to payees located in the Armed Forces Postal Codes such as AE & AP
    — Payments to settle securities transactions
    — Payments to payoff special or delayed financing for purchases
    — Payments to credit counseling agencies who pay creditors on your behalf
  • The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:
    — Payments to payees outside of the United States
    — Court-ordered payments such as alimony, child support, speeding tickets, etc.
    — Tax entities
    — Collection agencies
  • The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee’s records).

How can I avoid any payment delays and maximize my electronic payees?

Helpful hints:

  • Maintain your payee information by comparing once or twice a year to your most current bill. This will assure that we are sending the payment to the most current address and account number.
  • If your payee notifies you of a payee or billing address change, please update your payee information in BillPay Online.
  • Do not mask your account number by replacing digits with “x”s or by adding extra information. We may not be able to submit your payment electronically if the account number entered does not match the number on your bill. Examples of these types of account numbers: “XXX-XXXX-XXX-1234” or “213 555 1212 1234 – work phone”. When necessary, you can use the “Nick Name” feature in each payee record to further identify similar payees.

Other Frequently Asked Questions can be found by clicking on “BillPay Help” on the right hand side of all pages within the BillPay tab.


Log into Home Branch to sign up for BillPay Online
BillPay Online Agreements & Disclosures

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