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Bill Payment Questions and Answers

How is Bill Payment used with eCHIEF Internet Banking?
How do I register for eCHIEF Bill Payment?
How do I begin using eCHIEF online Bill Payment?
Is there anyone I cannot pay through eCHIEF Bill Payment?
Do I have to set up my payee list every time I make a payment?
How long does it take for my payee to receive my payments?
How are my payments delivered to the payee?
How far in advance can I schedule a payment?
What is the difference between a one-time payment and a recurring payment?
When are funds debited from my checking account?
How close to the original payment date can I change or cancel a bill payment?
What happens if I don't have enough money in my account to cover a bill payment?
How can I prove payments and transfers were made?
What should I do if a payee has not posted my payment?
Why are some of my payees highlighted in yellow?
What is a Challenge Phrase and Response and why is it required for certain transactions?
What is the Security Key?
Why do I get an error message regarding cookies and pop-ups?
How do I pay for my eCHIEF Bill Payment service?
How can I cancel my eCHIEF Bill Payment service?

How is eCHIEF Bill Payment used with eCHIEF Internet Banking?

eCHIEF Internet Banking allows customers to access and research their accounts, transfer funds and place stop payment orders 24 hours a day, 7 days a week, 365 days a year. With the enhancement of Bill Payment, eCHIEF customers can pay almost any bill online in the same convenient and easy manner in which they use eCHIEF. Bill Payment users can schedule bill payments, review bill payments made and automate the payment of recurring bills.

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How do I register for Bill Payment?

To begin using Bill Pay you must have already applied for our eCHIEF Internet Banking. If you have not already applied for eCHIEF download our application and sign up now or you may pick up an application for
e
CHIEF Internet Banking at any of our locations or by calling us at (309) 787-7567. You may also send an
e-mail to us requesting an application at info@choosethechief.com. Please do not send other personal information, such as social security numbers, account numbers, birthdates, etc. via e-mail. Telephoning is the best way of keeping your personal information secure. You may also call us at (309) 787-7567 to request an application. Once you have become an active eCHIEF user, you may apply for eCHIEF Bill Pay online. Simply complete the online account registration by pressing the "Enroll Now" button on the main eCHIEF account summary page. Once accepted, all online account registrations will be processed in the same manner as written applications.

Upon receipt of your completed application, we will e-mail you a notification that your bill pay enrollment has been approved (generally within three (3) business days), you may then begin to use the service.

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How do I begin using eCHIEF online Bill Payment?

The Bill Payment option will be available to you immediately after you have received your eCHIEF welcome letter. The first time you log in to the eCHIEF Internet Banking and every time thereafter, you will be able to see the Bill Payment option below your account information.

The first time you use eCHIEF Bill Payment, you will want to have all the necessary payment information ready. This information will include the names, billing addresses, your account number with the company or individual and phone numbers of any payee or professional who you would like to pay using Bill Payment.

The first step in using the eCHIEF Bill Payment service is to add new payees. To add a new payee select the Payment tab and choose "Manage Payees". From here, simply follow the instructions for setting up a new payee and enter the information into the system. If you have added a new payee to the system (one that is not already approved), it may take up to three (3) business days to approve the payee and verify the information you provided before you are able to send the first payment to this payee.

Once your payee is approved and added to your payee list, you may begin making payments. To make a payment, once again select the Payment tab and select the option to "Manage Payees". You may then choose to make a single payment or a recurring payment. Once a payment type is selected simply follow the instructions for making a payment to any payee you choose from your payee list.

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Is there anyone I cannot pay through eCHIEF Bill Payment?

Yes, you cannot make payments to the following:

  • Any merchant or individual outside of the United States. All payees must be located in the United States.
  • Payments may not be remitted to tax authorities or government and collection agencies.
  • Court directed payments cannot be made. This includes alimony, child support and other legal debts.
  • Bill Payment cannot be used to settle brokerage accounts.

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Do I have to set up my payee list every time I make a payment?

No. You only have to set up your payees once. You can add, change and delete payees from your payee list at any time.

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How long does it take for my payee to receive my payment?

Please allow five (5) business days for your check payment and three (3) business days for your electronic payments to reach your payee. Weekends and Federal Reserve Holidays are not counted as business days. By allowing adequate days for processing and delivery, you can be sure that your payments are made on time.

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How are my payments delivered to the payee?

After funds are withdrawn from your account, we may remit your payments by mailing your payee a check, by electronic funds transfer, including ACH (Automated Clearing House) or by other means.

Because of the time it takes to send your payment to each payee, your payee will generally not receive payment on the processing date (the date you instructed us to deduct the funds from your account). This applies regardless of whether the payment is a next-day payment, a future payment or a recurring payment as described below. Therefore, in order to provide sufficient time for payments to be received by your payees, the transaction day should be at least five (5) business days prior to the due date.

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How far in advance can I schedule a payment?

You can schedule a single payment for up to 90 days in advance. You may schedule a payment to be initiated on any business day or any future date. Payments must be scheduled by the normal cut-off time of 2 p.m. CST (Central Standard Time) on any business day in order for the payment to be initiated for that business day.

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What is the difference between a one-time payment and a recurring bill payment?

A one-time payment is a payment made to entities such as your telephone company. Bills paid on a one-time basis are typically bills where the amount fluctuates each time. One-time payments can also be made to someone you pay only occasionally such as a florist, orthodontist or babysitter. Recurring payments are those made for the same amount and are made on the same day each week or month such as your car or mortgage payment. Once started, recurring payments will be made automatically until your payment needs to be changed or cancelled.

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When are funds debited from my checking account?

Although you can enter payment information through the service twenty-four (24) hours a day, seven (7) days a week, payments can be initiated only on a business day. Bill Payments are debited from your account on the processing date you requested. Bill payments are debited from your designated account within 24 hours of the process date. In most cases, you will not be able to view debits to your account in eCHIEF in the "Current Business Day" transactions. Debits from your bill pay account can be viewed the next day.

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How close to the original payment date can I change or cancel a bill payment?

You can change or delete a bill payment until 2 p.m. (CST) on the processing date you originally scheduled. (You will not be able to change the date on a recurring payment; however you can stop and reschedule the payment.)

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What happens if I don't have enough money in my account to cover a bill payment?

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. Please check the bill pay debits from your account the next day after payments are made. It is the most accurate way to check if a payment has been cancelled.

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How can I prove payments and transfers were made?

Each time you enter a payment you are given a confirmation number to ensure we received your request. You may also verify receipt of the payment by your payee by contacting them directly. In addition, your payments will now appear on your monthly statement. You may also use your eCHIEF online banking to view your account history.

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What should I do if a payee has not posted my payment?

Before any research can be done on a payment that has not posted, please allow a minimum of ten (10) business days for a check payment and a minimum of (5) business days for an electronic payment and transfer to reach your payee. Often it does not take this long, but this is the amount of time we allow the merchant to receive and post our payments. If the transaction has not been posted by that time, simply contact us by calling Subscriber Services at (866) 885-3680. You may also chat with a Subscriber Services representative by clicking on the Chat buttom (when available) on the bill pay website or send us an email at subscriberservices@billpaysite.com. Please do not e-mail personal information such as social security numbers, account numbers, birthdates, etc. We will follow up on the transfer or payment and get back to you within 24 to 48 business hours.

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Why are some of my payees highlighted in Yellow?

Payees that are in pending status (added bills that are awaiting the approval process) will be highlighted in yellow. It may take up to three (3) business days for a new payee to be approved.

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What is a Challenge Phrase and Response and why is it required for certain transactions?

The challenge phrase and response is a question and answer that you established on your bill pay account. This question and answer should be one that only you know. Therefore, it provides an additional level of security with your bill pay account.

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What is the Security Key?

The first time you log in to eCHIEF Bill Pay it will ask you to assign a security key to your account. The security key will appear each time you log in to the eCHIEF Bill Payment service thereafter. It is one more method used to verify that you have logged in to the correct website and that it is in fact you using the eCHIEF Bill Payment service.

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Why do I get an error message regarding cookies and pop-ups?

You will notice a message stating "We noticed that you have Windows XP Service Pack 2 installed. Due to some of the default controls that will provide enhanced security you may be unable to login until you have made some changes to your browser settings." This message alerts you to the fact that extra steps must be taken to allow you to view the eCHIEF Bill Payment service correctly. To help you set up your browser settings correctly click here.

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How do I pay for my eCHIEF Bill Payment service?

The monthly subscriber fee will be automatically withdrawn from your checking account on the anniversary date of your enrollment for the eCHIEF Bill Payment service. For example, if you enrolled on the 19th of the month your fee will be deducted from your designated checking account each month on the 19th.

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How can I cancel my eCHIEF Bill Payment service?

To terminate your access to the service, call Blackhawk Bank & Trust at (309) 787-7567. After receipt of your call, we may send a written termination authorization form to you to sign and ask for the form to be returned to us. In order to avoid imposition of the next monthly statement fee for the service, Blackhawk Bank & Trust must receive the written termination authorization form three (3) business days before the service charge is scheduled to be assessed.

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