e.Pay Bill Pay PDF Print E-mail

Pay your bills quickly and easily with Online Bill Pay!  Bill Pay is a feature of our Online Banking service. Through e.Pay, you can take care of all your bills with just a click of the mouse! You can make a payment to any individual or business, and the funds come directly from your Credit Union of Colorado account. Just set your payment amounts and the date to deliver your payments.  All you need is the payee information from your bill, the amount, and date due. Simply click and send, and never lick a stamp again! You can even schedule automatic, recurring payments to make things even simpler. Best of all, your transactions are guaranteed to arrive on the date you specify. If you are a first time user of Online Banking, simply call us at 303-832-4816 or 800-444-4816 and we'll help you get started.


An online guide to e.Pay Bill Pay Service


Convenience Services Brochure [click here to download PDF]


Other Frequently Asked Questions:

 
What is the fee for e.Pay?
How do I sign up for e.Pay?
When will the bill payment be debited from my account?
What if the payment I authorized was attempted but the funds weren't in my account?
Are e.Pay payments sent on the weekend?
How do I know when a bill has been received?
Who do I contact if my bill payment has not been received?
Can I put a stop payment on a bill that I have paid?
Can I make my Credit Union of Colorado loan payment(s) through e.Pay-Bill Pay Service?
How do I know if the payment I set up will be paid electronically or by check?
How much time should I allow to make a payment?
I converted to a new Credit Union of Colorado checking account, how do I switch all my bill payments over to the new account?
Do bills paid through e.Pay-Bill Pay Service show up on my statement?
How do I cancel my e.Pay-Bill Pay Service?

 

What is the fee for e.Pay?

 

There is no monthly fee for the e.Pay Bill Pay Service, which includes 15 bill payments each month. There is a 40-cent transaction fee for bill payments in excess of 15 bills each month.
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How do I sign up for e.Pay?

 

You can easily sign up for e.Pay-Bill Pay Service by accessing Online Banking at www.cuofco.org. Once you have logged in to Online Banking, select the Bill Payment tab to get started with e.Pay. If you are a first time user of Online Banking, click here and follow the registrations steps to get started.
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When will the bill payment be debited from my account?

 

Enter the date you would like the funds debited from your account. Allow 2 to 5 days for your payment to be received. Please note: Be sure that the "delivery date" of your payment is correct with respect to the specific bill you are paying.
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What if the payment I authorized was attempted but the funds weren't in my account?

If a payment fails due to insufficient funds, an in-session and internet email alert will be sent and the bill pay service will automatically attempt to retry the payment on the next business day. If the payment is successful on the next business day, no further notification is sent. If the payment fails on the retry, a second online banking message will be sent. No additional automatic retries will be attempted. The system will then assess your account a $20 Non-Sufficient Fund (NSF) Fee.
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Are e.Pay payments sent on the weekend?

No. The e.Pay system runs only on business days. Any e.Pay request received on a holiday or weekend day will be processed on the next business day.
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How do I know when a bill has been received?

 

We recommend that you follow up with the recipient of the payment to verify if it has posted. Keep in mind that e.Pay payments are a new way of paying bills. They are sent without a coupon or statement and many times payees process these payments as exceptions which can add more time to the posting process on the recipients end.

Some payees require payments sent without their designated payment coupon to be sent to an alternate address. If you have questions or concerns regarding the correct address for your payments, please check with the recipient of your payment.

Submitting Payment Inquiries

From the Payment Activity page, you can submit questions about any of your payments to our Member Service team. To inquire about a payment, find the payment in the Processed Payments section. Click the "Inquire" link next to that payment's information.

If the payment was processed more than 30 days ago, click on the "Viewing Last 30 Days" link on the right side of the Processed Payments bar. A window will appear where you can select to view up to 365 days.

Enter the reason for the payment inquiry and all required information, and then click "Submit".
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Who do I contact if my bill payment has not been received?

First, we recommend that you contact the designated payee of the bill and verify your information with them.

You can also contact Credit Union of Colorado at 303-832-4816 or 1-800-444-4816 or submit a Payment Inquiry through Bill Pay. From the Payment Activity page, you can submit questions about any of your payments to our Member Service team. To inquire about a payment, find the payment in the Processed Payments section. Click the "Inquire" link next to that payment's information.

If the payment was processed more than 30 days ago, click on the "Viewing Last 30 Days" link on the right side of the Processed Payments bar. A window will appear where you can select to view up to 365 days.

Enter the reason for the payment inquiry and all required information, and then click "Submit".

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Can I put a stop payment on a bill that I have paid?

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. Credit Union of Colorado cannot put a stop payment on bills that have already been paid.
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Can I make my Credit Union of Colorado loan payment(s) through e.Pay-Bill Pay Service?

No. Please use Online Banking or ATTIE, our 24-hour Telephone service to transfer loan payments to any Credit Union of Colorado loan you may have. Access to Online Banking can be done through our website at www.cuofco.org. You can access your account through ATTIE at 303-894-9440 or 1-800-825-6294.

If you prefer, contact us directly at 303-832-4816 or 1-800-444-4816 to get your Credit Union of Colorado loan(s) set-up on an automatic transfer from your savings or checking account.

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How do I know if the payment I set up will be paid electronically or by check?

The "Payee" information indicates whether a payment is 2-day electronic payment or a 5-day check payment. Please Note: Timeframe for payments is based on business days.

The process in which a payment is paid is determined by how the payee accepts payments. Our e.Pay processor verifies the payee for each payment request that you establish and authorize to determine if they accept electronic payments based on the information provided.

If the payee does not accept electronic payments, your bill payment request will be sent by check to the payee.

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How much time should I allow to make a payment?

We suggest you enter your payment information at least 5 business days before the payment is due.

If the payee you are trying to pay accepts electronic payments, it will take up to 2 business days. If the payee you are trying to pay only accepts check payments it will take up to 5 business days.

 

Please Note: Payments initiated on Fridays, Saturdays, Sundays or holidays will be processed on the following business day. (Example: A payment request initiated on Saturday would debit your account on the following Monday.)

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I converted to a new Credit Union of Colorado checking account, how do I switch all my bill payments over to the new account?

 

Shortly after you have converted to a new checking account, you should have the ability to choose that (or any other) account from the drop-down list of your usable share accounts with Credit Union of Colorado. Contact us directly if you have any questions at: 303-832-4816 or 1-800-444-4816.

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Do bills paid through e.Pay-Bill Pay Service show up on my statement?

Yes. Make sure to completely fill out the e.Pay information for each designated payee and give each payment a short name which will show up on your regular member statement. (Example: A payment to Qwest would show up on your statement as Qwest along with a reference number for that payment.)

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How do I cancel my e.Pay-Bill Pay Service?
Please contact a Credit Union of Colorado Member Representative at 303-832-4816 or 1-800-444-4816.

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