Frequently Asked Questions - Payments
You can use Payment Center to pay any company or person with a U.S. address. Payment Center offers the flexibility and convenience of sending money from one place.
- You can pay anybody in the United States or territories that you can pay using cash, check, or debit.
- We send the money electronically whenever possible. If the company or person can't accept electronic payments, we print and mail a check on your behalf.
- In Payment Center, tell us who to pay, the payment amount, and the delivery date. The money stays in your account until it’s time for us to deliver the payment.
- When you add a company or person to pay, we save the contact info to make future payments even quicker and easier.
- We maintain relationships with thousands of companies, and manage their contact info for you.
- Payments made through Payment Center are guaranteed.
We send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day.
If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. The check contains the following info:
- Your name and address
- The company or person's name and your account number with them, if available
- The payment amount
- The delivery date
If you added a memo to your payment, the info is printed on the memo line of the check.
Yes, you can change a payment that has not started processing.
If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide.
For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.
You can see the status of your payments in Activity. Payments start in a Pending status until processing begins.
You receive electronic bills (eBill) in Payment Center of Bill Pay. When an eBill is due, it appears as soon as you select the company that sent it. You can simply click a link to enter the amount due and due date from the bill.
If the company or person you're paying can receive electronic payments, the money is typically delivered in one to three business days. If the company or person you're paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.
If the company or person you want to pay does not receive electronic payments, we print a check and mail it for you. This process typically takes three to five business days.
With the Payments Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or processing delays.
The Payments Guarantee applies when all the payment and contact info provided is accurate.
We maintain relationships with thousands of companies, and manage their contact info for you. We don’t have to ask you for the contact info for these companies because we already have it. If the address changes, these companies contact us directly.
Your account number is the most reliable way to ensure that the company can credit your payments properly. If your account info is not correct, your payment may be credited late or not at all. Late fees, finance charges, or service disconnections may result. The Service Guarantee applies to payments only if all the info you provided is accurate.
Sometimes companies use repeated characters (such as ***, ###, or xxx) to hide part of your account number on statements or bills. Be sure to enter your full account number instead of the characters used to hide your account number. We need the full account number to ensure that your payment is credited properly.
If you have an account number, please be sure to enter it. Some small companies, such as landscaping or cleaning services for example, may not assign you an account number. If you don't have an account number, you can enter other info that identifies you to the company you are paying. For example, you can use your service address or the name on the account.
If the company or person doesn’t accept electronic payments, we print and mail a check on your behalf.
Go to the Send Money section of Payment Center. Open the row for the company or person and click the Details link.
We maintain relationships with thousands of companies, and manage their contact info for you. If the address changes, these companies contact us directly.
Activity and Payment Detail provide a detailed status of your payment.
Payment info is available in Activity for 84 months.
You can download your pending and completed payments from Activity to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.
You can change a pending payment.
You cannot change payments that have already been paid. You can send us a payment inquiry. We will contact the company on your behalf in an attempt to resolve the problem.
Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two days, call the company’s customer service line. If the problem isn’t resolved, you can send us a payment inquiry on payments in Activity. We will contact the company on your behalf in an attempt to resolve the problem.
Call the company’s customer service and ask to have the late fee or finance charge waived. If the problem still isn't resolved, send us a payment inquiry. We will contact the company on your behalf in an attempt to resolve the problem.
A failed payment may have been returned to us because the info you provided when you added the company or person wasn't sufficient for your account to be credited.
You can send us a payment inquiry. Depending on the nature of the problem, we may be able to contact the company on your behalf in an attempt to resolve the problem.
The download file does not include canceled or failed payments.