Pay Your Bills Online with e*pay

It saves time. Paying your bills with a few mouse clicks is faster than having to write numerous checks.
It's convenient. Pay bills anytime you want from just about anywhere.
It's simple. Set up payees once and enter the amounts you want to pay.
You can even schedule automatic payments for recurring bills that have fixed amounts.
And best of all, e*teller and e*pay are FREE!

Check out the e*pay demo. Click Here!

Ready to Sign Up?
Login to your e*teller account and select the "Bill Pay" button. Complete the application. Be sure that your address, phone, and email address are current. Your application is generally reviewed the next business day. You will receive an email confirmation with additional information on getting started.

If you do not have a Bell FCU Checking account or e*teller access, you must first sign up for those free services. Sign up for e*teller.

How do I sign up for e*pay?
Members must first have a Bell FCU CHECKING (Suffix 9) account AND an e*teller account to use the e*pay service.

To sign up for e*pay, members log into their e*teller account and select "e*Pay." The member can select Demo and view various screen shots of the service. The member can also complete the brief enrollment application. Be sure to use the "Referred by" field to tell us how you heard about this service.

How long does it take to get enrolled in e*pay?
Generally members receive email notification of their enrollment within 2 to 3 business days after submitting an application.

How does e*pay work?
Bell FCU contracts with a company in Louisville KY called iPay Technologies. iPay administers our e*pay service. When a member sets up a bill for payment, a confirmation file is sent for iPay to Bell FCU for authorization to release funds. The next business day, iPay will either cut a check or make an electronic payment to the payee. Regardless of whether the payment is made by check or ACH, the funds are immediately withdrawn from the members account.

What happens if a member does not have funds in his/her account when the bill payment is scheduled?
If funds are not available on the requested processing date, your transfer or bill payment may be cancelled. If cancelled, you will be required to reschedule the payment; the bill pay system will only process the payment one time. If a recurring payment is cancelled, future payments on the recurring schedule will not be affected; however, you will need to reschedule the cancelled payment if you want it to be paid. The member will receive an NSF charge just like a regular checking transaction.

How do I set up payees?
Members receive an email with general instructions on how to begin using e*pay. The first step is to select the "PAYMENTS" tab, then "Manage Payees" link. Select "Add Payee" and follow the onscreen directions. It is recommended that members have a hard copy of all bills they wish to set up on e* pay. They will be asked to provide specific account numbers and billing information. Having that information handy can speed up the process.

Should the processing date be the actual due date of the bill?
No. You should schedule payments a minimum of five (5) business days for your check payments and a minimum of three (3) business days for your electronic payments prior to the actual date. Weekends and Federal Reserve holidays are not counted as business days.

When and how are my payments delivered and how can I ensure that my payment is received by the due date?
After funds are withdrawn from your account (within 24, we may remit your payment(s) by electronic funds transfer, or if the payee does not accept electronic payments, by mailing your payee a check. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, you should allow sufficient time for payments to be received and posted to your account. You may verify receipt of the payment by your payee by contacting them directly or checking your e*teller account for verification of posting the payment.

Can I schedule regular monthly payments or do I need to go in each month and set up a payment?
Payments can be scheduled as a single payment or recurring payments, depending on your needs. Generally, if you pay the same amount to a payee each month, establishing a recurring payment schedule is the most efficient.

How many bills can I pay each month using e*pay?
You can pay as many bills as you wish. There is no limit and no fee for the service.

What if I have questions about a bill payment?
Call Bill Pay support at 1-866-456-7961, or use the "Live Chat" feature within Bill Pay. Live Chat is available when the green light is illuminated next to the chat icon. You can also call us here at Bell FCU and we'll be happy to assist you.

How secure is the e*pay site?
Bell's e*pay service is located with the secure e*teller application. To ensure that your personal information remains confidential, we use SSL technology to transmit and receive all of your personal information across the Internet. This technology encrypts (scrambles) your information so it is virtually impossible for anyone to read it. If you forget to logout or are inactive for more than fifteen minutes your session will automatically be closed.

In addition, to protect members from being "hooked" into a bill payment site other than your true bill payment site, iPay introduced a new tool for your protection. It's called your "Security Key" and this key will add a new level of security, protection and peace of mind for you! This key should be one of a kind and never shared with another Internet site or person. Once you've established your key it will display each time you enter e*pay for a few seconds then disappear. You can now authenticate us as your true and legitimate bill payment site. No key means you've been phished* and you should report this to us immediately. Phishing is just one of many Internet scams designed to steal your personal account information and can lead to serious consequences such as identity theft. To learn more about phishing, visit the Anti-Phishing Workgroup website at http://www.antiphishing.org.

How do I view my scheduled payments?
To view your scheduled payments, click on the "Payment Activity" tab, then select "Pending Payments". Your scheduled payments will be displayed in the window. Click on the column headings to change how your scheduled payments are sorted. Use the Narrow display dropdown to view scheduled payments of a certain type.

Can I stop a scheduled payment?
Yes. Prior to the scheduled payment date, go to the Pending Payments section. Find the payment you wish to stop/cancel. Select the "Stop" button and click "Continue." Your payment has been cancelled or stopped. If this is a recurring payment all future payments will also be stopped.

Is there anyone I cannot pay?
Yes. Please review the following restrictions: 1) The payee must be located in the US; 2) Payments may not be remitted to tax authorities or government and collection agencies; 3) Payments may not be remitted to Securities Companies such as Ameritrade for stock purchases or trade taxing authorities and 4) Court directed payments are unauthorized (alimony, child support or other legal debts).

Who do I contact if my transfer or payment has not been posted?
Before research can be done on a payment that has not posted, please allow a minimum of (10) business days for a check payment and minimum of (5) business days for an electronic payment and transfer to reach your payee. Often it does not take this long.

If the transaction has not been posted by that time, simply contact us by calling Subscriber Services at 1-866-456-7961 (this number can also be found at the bottom of every page on the e*pay website). You may also chat with a Subscriber Services representative by clicking on the Chat button (when available) on the e*pay website or send us an email at subscriberservices@billpaysite.com. We will follow up on the transfer or payment and get back to you within 24 to 48 business hours. You can also call us at Bell FCU and we will be happy to assist.

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