What is Bill Pay?
Bill Pay allows you to pay bills or make other payments from your GHFCU checking account using the Internet from Online/Mobile Banking. Payments can be scheduled 24 hours a day, 7 days a week.
What does Bill Pay cost?
Bill Pay is a free service.
How do I access Bill Pay?
Log into Online Banking from the Georgia Heritage FCU website home page at www.gaheritagefcu.org
or to Mobile Banking through the GHFCU mobile app. Once you have logged in, select “My Finance” and then select “Bill Pay” to continue.
What do I need to use Bill Pay?
You can make Bill Pay payments using your Georgia Heritage checking account. You will also need Internet access and a browser that meets our minimum requirements. We support the two latest versions of all major internet browsers. (For mobile access to Bill Pay, download the GHFCU app.)
How do I enroll?
It’s easy, log into Online/Mobile Banking and select “Bill Pay”. The first time you choose this option, an enrollment screen will be displayed. After you agree to the Terms and Conditions of the Online Bill Pay Agreement, you can select a default Bill Pay account and start adding payees/making payments immediately.
I've enrolled in Bill Pay. What do I do now?
You must add payees before you can schedule payments. To add payees select “Add” from the Payee tile section and enter the required payee info through the process and select “Okay” to add. When setting up your payees, use information from your most recent bill to avoid processing delays. Delays are often caused by an old or incorrect account number or an incorrect mailing address. Once you’ve added the payee(s), you can begin scheduling payments.
How do I schedule payments?
Once you have set up payees, select “Pay Bills” from the Bill Pay sub-menu and choose the payee, verify the default bill pay “from” account is correct, choose the date payment should be made, enter the payment amount, and payment frequency (one-time or recurring). Scheduling payments can also be handled using the “Quick Pay” tile and selecting the Payee you wish to pay.
How do I edit a payee?
To edit a payee online, expand the payee from the Payee tile; to edit a payee in the mobile app, select “Manage Payees” from the Bill Pay Dashboard sub-menu and expand the payee tile. Once the payee tile is expanded make necessary changes to the payee record and then select “Update” to save changes. (Make sure your edits reflect the most current payee billing statement). Keep in mind that adding information that is not within the Payee’s billing statement could default electronic payments to the paper check method.
Do I have the option to customize my view of payees (nicknames)?
Yes, you can nickname your payees. Nicknames (if used) will appear inside (parentheses) along with the Payee Name.
How can Bill Pay organize my payees?
Grouping payees may help you more easily navigate a long payee list, hide infrequently-used payees, or even with household budgeting by establishing first-half and second-half-of-month payee groups. To start adding groups select the following links from the Bill Pay Dashboard: Online > select the “Groups” link; Mobile App > ”Add Groups” link.
Can I schedule bill payments from my Georgia Heritage FCU Credit / Debit Card, Personal Line of Credit or Savings account?
No, bills can only be paid using a draft account, like your GHFCU checking or money market account.
When is my account debited?
For electronic payees (paid via ACH), your account will be debited as soon as possible. For check payees (paid via paper check) your account is debited when the bill paycheck is presented for payment by the payee and will post as a regular cleared draft item.
How long does it take for Bill Pay payments to be processed?
Georgia Heritage FCU recommends that you schedule your payments a minimum of seven (7) business days before the due date for check payments and three (3) business days for electronic payments. Depending on the payee, payments may be sent electronically or via U.S. Mail, but even electronic payments need at least three (3) business days to be processed.
How can I view my bill payment activity and payments statuses?
To view payment activity/current status, select “Payment Activity” from the Bill Pay Dashboard using Online/Mobile banking Bill Pay. Choose the date range and then any specific filter options if desired. Detailed information will appear for each payee that had payment activity during the date range that was selected. A “Scheduled Payments” tile also appears to display any payments currently scheduled. The “Payment Activity” list can also be printed or exported into an excel CSV file (using online option-not mobile).
How are check or electronic payees differentiated?
Throughout the Bill Pay system an icon will be displayed beside each payee that signifies how payments will be processed for that payee. An envelope image represents a paper check payment method; whereas a lightning bolt represents an electronic payment (ACH) method.
Can I add a memo on payments?
Yes, you can add a memo/note on Bill Pay payments. If it is a check payment, the memo will be printed on the check and stored with the payment in the payment history. For electronic payments, the note will be stored with the payment in the payment history (but cannot be sent with the payment).
Can I view an image of a cleared Bill Pay check payment online?
Yes, but not through the Bill Pay area. Check payments for paper check payees clear like a regular draft from your designated Bill Pay account. These would be visible by viewing the payment account’s transaction history inside the “Accounts” section of Online/Mobile banking. Clicking on the check image icon would allow you to view the front/back image of the item.
Can I use personal finance software such as Quicken to schedule bill payments?
No. Personal finance software integration is not available through Bill Pay at this time.
How can I modify, cancel, or delete a payment?
You have the ability to modify, cancel, or delete a payment: as long as the item is in a pending status. Once the payment passes that stage, no changes can be made. Check payments that are processed can usually be “stopped” as long as the item has not cleared the payment account, although we do not guarantee we can stop the payment. To place a stop on a Bill Pay check payment, contact our Call Center at 912-236-4400. Fees may apply to stop a check payment that was already processed and mailed.
What are the options for setting up recurring payment frequencies?
Default recurring payment frequencies are: Weekly, monthly, every 2 weeks, twice a month, every 4 weeks, every 2 months, quarterly, every 4 months, twice a year, and once a year. These can be started on any day of the month.
Why are there different dates shown for the payments?
Bill Pay displays both the “send date” and the “estimated delivery date” for each payment to help you understand when your payment was sent and when the payee is expected to receive the payment.
Do I have the ability to track the status of a payment?
Bill Pay tracks payments through each step in the process and displays that information to the member and to the credit union.
Does Bill Pay keep records of all my payments?
GHFCU’s Bill Pay system does keep historical records of Bill Pay items that can be filtered, sorted, and researched by the member. This information can be found in the “Payment Activity” section.
What if a payment is returned by the payee? How would I be informed?
If a payment is returned for any reason, Bill Pay automatically returns the funds to your account and will issue a notification email informing you of the return and the reason for the return.