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myBanking™ Bill Pay & Popmoney®
Fast! Easy! Secure!
Our enhanced myBanking™ Bill Payment solution makes it even easier to make payments to anyone you know or owe! Explore the many new benefits that will help save you time and money!
And, with the introduction of Popmoney® making Person-to-Person payments couldn’t be easier!
myBanking™ Bill Pay FAQs
How is myBanking Bill Pay different than what you offer today?
myBanking Bill Pay offers new and improved features and functionalities such as:
• More flexibility in scheduling options
• Enhanced eBills
• Payment scheduling options that interact with your eBills
• Rush payment options
• Later cutoff times
• The ability to group “like” biller/payees together
• Payments scheduled by a “Deliver By” date rather than mail date
• The ability to schedule payment reminders
• Payment monitoring
• Alerts and enhanced fraud monitoring to protect you from unauthorized payments.
Why am I receiving a message that says Bill Pay is not available?
If you receive an error message that says “Bill Pay is not available,” please check to make sure we have the most up to date home phone and/or email address on file. You may verify this information by accessing the “Service Center” tab within myBanking. If after verifying your information, you continue to receive an error message, please contact the Member Service Center for assistance.
What does “Deliver By” date mean?
The “Deliver By” date is the date the biller/payee will receive the payment. If the payment is sent electronically, this will also be the date that the funds will be withdrawn from your account. If the payment is sent by check, the funds will be withdrawn from your account when the bill is presented to the Credit Union for payment.
My Payment use to go out electronically, so why did it go out as a check?
For the first few payments, the system may send a payment as a check vs. electronically, until it can learn to identify your typical payment behaviors. If it recognizes anything outside of your typical payment behavior, it will alert you to reduce the risk of payment errors. Since your payment, may go out as a check, it is extremely important that you verify the address prior to submitting the payment to ensure the payment gets mailed to the correct address.
Why do I have to select a funding account?
The first time using our new myBanking Bill Pay, you will need to select a funding account when processing a payment for each biller/payee. Once you have selected the funding account, the funding account will be saved for that biller/payee.
Why do I have to re-enroll in eBills?
With our new myBanking Bill Pay, we have made some major improvements to our eBill process. By re-enrolling in our new and improved eBill system, you will have access to new features such as PDF copies of your bill, eBill alerts and new payment options that will allow you to schedule one time and recurring payments based on your eBill each month!
Why do I have a biller/payee that use to offer eBills, but doesn’t on the new bill pay system?
You can use the link below to see if a payee participates in eBills through our new myBanking Bill Pay system: http://www.ebillplace.com/cda/ebillplace/providers/providers.html
If there is a biller/payee on the list, but you don’t see the eBill link, verify the payee details. The payee could only allow eBills if the address is set to X, but your biller/payee has an address of Y. It could also be that the specific type of bill you have for a certain biller/payee doesn’t participate in eBills through our new Bill Pay system. For example, a biller/payee may allow eBills for their credit cards, but not for their auto loans.
Why do all of my previous payments show in the history as a check payment?
Payments from the previous system will be shown as a check payment once we upgrade to our new and improved Bill Pay system. This is simply a display issue only and will only affect payment made prior to the upgrade. Should you need any additional details regarding past payments, you may reference your account statements or contact the Credit Union and we can provide you with additional information.
Why do some of my previous payments show a date of “Info not Available”?
Payments from our previous Bill Pay system, which were made six months ago or longer, may have a date of “Info not Available.” We are actively working to resolve this issue; however, this is a display issue only. Should you need any additional details regarding past payments, you may reference your account statements or contact the Credit Union and we can provide you with additional information.
Why are some payments sent electronically, while others are sent by check?
The method of payment is determined by the biller/payee. Some biller/payees may also set certain dollar limits to what payments are sent electronically and what payments are sent by check. This means that your payment could be sent electronically, and other times, a payment to that same biller/payee could be sent via check. This could also be because, the system will monitor your normal payment behaviors and anything outside your normal payment behaviors may go out as a check to reduce the risk of payment errors or fraud on your account.
Why can I no longer access Bill Pay through Quicken?
Bill Pay within Quicken will no longer be available once we upgrade to the new myBanking Bill Pay system. We are still in the process of getting bill pay to connect to Quicken. A communication will be sent once this feature has been enabled.
Why do I have to accept updated terms and conditions prior to logging into to myBanking?
Our terms and conditions have been updated to reflect all of the changes that are applicable with the new Bill Pay system. Prior to using our new Bill Pay, you must accept these updated terms and conditions.
Why can’t I see the memo line in my history for older payments?
If you added a memo line to payments sent from our previous system, that memo line will not carry over to the new system. However, the memo line will be available in your history for any new payments. Should you need to reference the memo line for any past check payments, you can view the memo line on the check image. If you need any assistance for ACH or Check Payments, let us know and we can help you to get this information.
How does myBanking Bill Pay make paying bills so easy?
Rather than writing checks to the same biller/payee each and every month, you establish a biller/payee list. Then, each month it's just a matter of pointing and clicking on a biller/payee, entering a date and amount that you would like to pay. You have the option of scheduling payments or setting up recurring payments, as well as having the control to make your payments when you want to.
How are my bills paid?
myBanking Bill Pay may prepare and mail a check for you or the payment may be sent electronically. The amounts are taken directly from your People’s Credit Union checking account. Simply enter the date you would like your payment to be received and myBanking Bill Pay will take care of getting it there on time.
What are the methods in which a bill payment may go out?
Payment methods may include, but may not be limited to, an electronic payment (ACH), an electronic check payment, or a laser draft payment (funds remitted to the biller/payee are deducted from your Payment Account when the laser draft is presented to the People’s Credit Union for payment).
What happens if I don’t have enough money in my account?
If you do not have enough money in your account on the “Deliver By” date, the payment will still be sent to the biller/payee and you could receive an insufficient funds charge (as disclosed in our Schedule of Fees.) We will try to collect payment a second time within 24-48 hours. If at that time you still do not have sufficient funds, a second insufficient funds charge may be assessed. At times, we may work with the biller/payee to try and reverse the payment. If the payment cannot be reversed, we will contact you directly to satisfy your outstanding balance. Your access to myBanking Bill Pay may also be restricted for payments resulting in insufficient funds.
How does the new myBanking Bill Pay system help to protect my account from fraudulent bill payments?
With our new and enhanced myBanking Bill Pay, every payment is evaluated to ensure that it is within your normal behavior as well as a within the normal behavior for that biller/payee. If we have any questions regarding any of your payments, the payment may be held for 48 hours while we try to contact you for verification. If we are unable to contact you, the payment may be cancelled.
How can I change the funding account I have set for a specific merchant?
To choose a different funding account for a specific biller/payee, simply select the new account from the “Pay From” drop down.
What if I need to change the funding account for my recurring payments?
Changing the default funding account for recurring payments is easy in our new myBanking Bill Pay. Simply select the “Accounts” tab and select the “Move Payments” link from the existing funding account. Select the new account from the “Move to this Account” drop down and click the “Move Payments” button.
Can I cancel a Scheduled Payment?
You may cancel or edit any Scheduled Payment (including recurring payments) by selecting the “Change” or “Cancel” links within the Pending Payments section of the Bill Pay system. There is no charge for canceling or editing a Scheduled Payment. Once the payment has begun processing, it cannot be cancelled or edited; therefore a stop payment request must be submitted.
Can I pay a person through the myBanking Bill Payment system?
Yes, check payments can be sent to an individual from within the myBanking Bill Payment system. To send a check payment to an individual, click the “Add a Company or Person” button from within the Payment Center and select the “Person Tab.” You must be able to supply enough information on that person, such as name and full address for them to be created as a biller/payee.
What if I need to pay a person via ACH?
If you need to pay an individual via ACH, you may use the Popmoney functionality. (See Popmoney FAQs)
How can I add a new biller/payee?
Click the “Add a Company or Person” button from within the Payment Center and select the “Company Tab.” You can either search for the company in the “Search” bar, or you can select the company from the list of major biller/payees. When adding a major biller/payee, the biller/payee information has already been identified by the Bill Pay system, therefore, all you need to do is enter your account information for that major biller/payee. For smaller businesses or local businesses, the biller/payee information may not be readily available; therefore, you may need to enter more information about the business such as mailing address and phone number.
How can I organize my list of billers/payees?
To organize your list of biller/payees, select the “Organize my List” link from the Payment Center. This will allow you to group biller/payees together in a way that works for you.
What are Bill Pay eBills?
eBills through Bill Pay is the presentment of your electronic bills directly within the Bill Pay system.
How do I know if a company participates in eBills?
To see if a company participates in eBills, you can search for them at: http://www.ebillplace.com/cda/ebillplace/providers/providers.html
What information is required to enroll for an eBill?
Often, only the biller/payee name and account number are required, although some do require an additional field for validation, such as ZIP or phone number.
What is Popmoney?
You can use Popmoney to pay anyone you know, or owe – it’s the easy way to send money directly from your People’s Credit Union account. Pay your babysitter, landscaper, rent or send money to your kids away at college – it’s safe, secure and all you need is an email address or mobile phone number.
What is the difference between send money and request money?
Popmoney’s send money, allows you to pay anyone you know or owe. The request money feature allows you to re quest money from someone who owes you money or needs to pay you.
What are different ways I can send money to someone?
You can send money using a recipient's:
Email address: your recipient will receive an email with instructions on how to direct the payment into his or her Eligible Transaction Account.
Mobile number: a text message will be sent to the recipient with instructions on how to direct the payment into his or her Eligible Transaction Account. If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent reminding him/her to act on the payment notification.
Eligible Transaction Account information (routing and account number): money will be directly deposited into your recipient’s Eligible Transaction Account. You will also have the option to send the recipient an email.
How does it work?
Log into your account through People’s Credit Union myBanking.
Click on the Pay your Bills Tab.
Tell us who you want to pay by entering their email address or mobile phone number. (They don’t need to have an existing Popmoney account.)
How does the recipient receive their money?
The recipient will get a notification letting them know you have requested to send them money. If they already use Popmoney, then they most likely don’t have to do anything! If their financial institution offers Popmoney, they can deposit payments directly through their online banking site.
If they are new to Popmoney and Popmoney is not offered by their financial institution, they will need to create an account at Popmoney.com*.
In as little as 1 to 3 business days, the money will be deposited directly to their bank account.
Popmoney Terms and Conditions apply.
When will funds be deducted from my account?
If you make a payment before 8 p.m. Eastern Time on a business day, the funds will be debited from your Eligible Transaction Account the same day. You should see the transaction on your account statement the following day. If you make a payment after 8 p.m. Eastern Time or on a non-business day, the funds will be debited from your Eligible Transaction Account the next business day. If you use a debit card to make a payment, the funds will be debited from your account immediately.
Why do I have limits on my payments?
For your protection, limits have been created on how much money and how many payments can be sent during various time periods. Limits may vary by user and apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. To view these limits, click the icon next to the Amounts field.
Can I cancel a payment?
Yes. You may cancel a payment any time before or on the send date, until the payment has begun processing. Your recipient will be notified if you cancel a payment after a payment notification has been sent.
When will the recipient receive the funds?
The timing to receive the funds depends on the type of account used to make the payment. The delivery speed will be displayed when you schedule the payment. It could take additional time if your contact has not used Popmoney or will have to log in and accept the payment.
How secure is Popmoney?
From the moment information is sent to Popmoney to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used. For every initial payment to a new email address or mobile phone number, a one-time passcode is sent to the user. The user must provide that passcode back to Popmoney to verify his “ownership” of that mobile number or email address before he can deposit the payment.
How fast can I send and will a recipient receive money with Popmoney
With Popmoney, a recipient can receive money in as little as one business day. However, in some cases it may take longer. For example, if you send an email or mobile payment and the recipient is not yet registered for Popmoney, he/she must sign up for the service so that we have their account information to deposit their payment. Also, if you exceed your next-day payment limits, then we will deliver payments within three business days. Limits can and will vary and can be checked by clicking the Help icon on the Send Money screen.
How much does it cost to send money using Popmoney?
$0.01 - $249.99
Next Day Delivery
How much does it cost to request money using Popmoney?
$0.01 - $249.99