Bill Pay FAQs

  • What is Sacramento Credit Union's Online Banking Bill Pay Feature?
    The Bill Pay Feature of OnlineBanking allows you to pay your bills electronically online at anytime! No more checks to write, envelopes to stuff or stamps to buy. The Bill Pay Feature gives you the convenience of paying bills from your credit union account 24 hours a day. All you need is a PC with internet access to pay your bills online.

  • How do I activate the Bill Pay feature?
    Log on to Online Banking. Click on "Pay Bills" and you will automatically activate Bill Payer once you agree to the disclosure and terms that appear on your monitor screen after clicking on "Pay Bills." If you would like to cancel this service, please see "How to cancel this service" section below.

  • How do I cancel the "Bill Pay" feature?
    Log on to Online Banking. Click on "Pay Bills" button located at the top of the page. Select "Additional Functions" followed by "Stop Bill Service." Stopping Bill Pay service will delete all your merchant information you have entered and will cancel all scheduled payments. If you decide to use the service again a few months later, you will have to setup your merchant payee information again.

  • Can I pay bills from my savings account?
    No, bills can only be paid from your checking account.

  • What if I have a general question on the Bill Pay feature?
    The best way to contact us is by email or call us at (916) 444-6070.

  • Merchant Set-up Questions:
    How do I initially set up my new Payees/Merchants?

    1. Click on "Add a Payee" and enter all information as requested. If you do not need to make a payment immediately (within the next 21 days), click "Finish payee setup without payment info". This will begin the merchant verification process and is the most recommended method to set up your payees/merchants. Then, when you are ready to make a payment, simply select this merchant (which will appear on your list of payees) and enter the payment information to schedule a payment.
    2. If you need to make a payment immediately, proceed as in #1 above, except select "Set up a payment (one time, manual or automatic)" to schedule your immediate payment. Please note it is very important that all information entered is correct and accurate when using this method.
    ***Click on the Help button for further definitions of setting up payees

  • No I have to set up my payees every time I make a payment?
    No, once you've completed the intial set up, Bill Payer is very easy to use. Simply select the merchant from your list and enter the payment information to schedule a payment.

  • Are there a maximum number of merchants I can set up?
    Yes, you may set up a maximum of 45 merchants at one time.

  • Are there any merchants that I cannot pay with this service?
    Yes, Our payment policy EXCLUDES payments to government entities including DMV for the purpose of paying taxes, child support, fines, fees or other court appointed payments, collection agencies and payees outside the United States. Payments to government entities for utility services such as water and sewer are permitted.

  • Why is the merchant address different from the original address I entered?
    After the first payment is made, merchants are contacted to find out other payment method they can accept. Occasionally, we may update the merchant address per the merchant's request.

  • What if the merchant changes my account number or their address?
    You must go to "Additional Functions" and choose "Change Payee/Payment" to change your account number. Merchants do not notify us if their address changes. When your merchant notifies you of an address change, you must choose "Additional Functions" and "Delete Payee". Then go back and "Add a New Payee" and set up your payee again using the new address.

  • How are payments made to merchants?
    Payments are made either electronically by ACH, which is transmitted 2 business days prior to the due date, or by check, which is mailed 5 business days before the due date. The payment method is dependant upon the payment method accepted by the merchants. Your initial payment is always paid by check.

  • How many days in advance should I schedule my payments?
    As a general rule, you should allow 5 business days before the due date you entered in order for your bills to be paid on time. For example, if your bill is due on the 15th of the month, load your payment on or before the 10th of the month. Remember to only include business days in your calculations. Do not include Saturdays or Sundays. For payments due on a Saturday or Sunday, count back at least 5 business days from the previous Friday. For example, if your payment was due on Saturday, you should schedule your payment by the Monday before the due date.

  • What is the "due date"?
    The date the payment must be received by the payee as noted on your billing statement.

  • Do I need to contact my merchants to tell them I'm using an online Bill Payer service?
    No, not at all. Using our online bill payment service will not change the way your payments are credited.

  • What if I need to pay a bill immediately, or the due date I entered is less then 5 days prior to the due date? Will my bill get paid?
    Payments can be sent as soon as the next day as long as the funds are available in your account by 7 am. Keep in mind that you must allow 3-5 business days for U.S. Postal Service to deliver some payments.

  • What if I enter incorrect merchant information?
    It is VERY IMPORTANT that you enter your information accurately. A wrong address may result in a payment not being received by your merchant by the designated due date. Also, a wrong account number could result in the payment being posted to the wrong account.

  • When must the money be available in my checking account?
    As a general rule, funds must be available in your checking account by 7 AM , five (5) business days before the due date.

  • When is the payment actually sent?
    On the same day the funds are debited from your account

  • What if the money is not available in my account?
    SCU will make every attempt to cover a member's checking account errors and pay clearing items. Paying clearing items is based on the member's relationship, including available/ collected balances and occurrence of checking errors. Members may or may not qualify on an ongoing basis.

  • Will you pull funds from an overdraft account to pay my bills?
    Yes, if funds are not available in your checking account, we will pull funds from your designated overdraft account (if we are authorized) in order to make the payment. Limitations may apply. (See TIS and Member Account Handbook for complete details.)

  • Can you pay bills from outside the US?
    Yes, as long as the payee is within the US.

  • Is there a maximum dollar amount for each payment?
    Yes, the maximum amount per single payment is $9,999.99. For instance, if members want to make a payment of $15,000, they should break the payment up into two separate payments.

  • What's the difference between "one time payment, manual payment or automatic payments?
    One time payment would be used if you only plan to make a one time payment to this merchant. The merchant information will not be stored and will not show up in your list of merchants. Manual payment would be used for merchants you plan to pay more than once and the amount varies. The merchant information will be stored in your list of merchants. Each time you want to make a payment to this merchant, you would select the merchant and enter the payment amount and due date, then click "Pay Bills" to make the payment. Automatic Payments are ongoing recurring payments in the same amount and frequency(monthly, bi-weekly, etc...). You set up the payments to be made in the same frequency (weekly, monthly, biweekly, etc.) in the same amount. You designate the start date and the end date of the recurring payments. Each payment will be made automatically for you until the designated end date.

  • How do I verify if my bill has been paid?
    The "Bill Payment" transaction will appear in your checking account (view under "accounts" in OnlineAccess) with the merchant name, date and amount paid. Or you can go into "additional functions" in Bill Payer and view the history for a specific merchant.

  • If my bill was paid late, who pays for the late charges?
    You will not be responsible for the late charges if: (1) you entered in the correct due date; (2) you allowed the required days before due date; (3) you entered in the correct account information.

    You will be responsible for any late fees that occur because you have not given us accurate or complete information, because you do not have sufficient available funds in your account by 7:00 a.m. five business days before your payment due date, because you have not instructed us to make the payment on time, or because a check we mailed was lost or misdelivered by the postal service.

  • Can I cancel a scheduled payment?
    Yes, as long as the funds have not been deducted from your account. In the Bill feature, go into "additional functions" then click "change payee/payment". Select the merchant and click "change". This will bring you to the "Change Payment" screen. Go to the "payment due date" section and click on the down arrow. Scroll to the very top and click on the blank or empty slot. Do this for the day, month and year. This will cancel your scheduled payment. You will not be able to zero out the payment amount. Don't worry as it has no effect since you have no payment scheduled. Click "next" then "finish" to complete the change. The other option you have is to delete the payee altogether. This will delete the merchant completely off of your list. If you want to make another payment to this merchant, you will have to set them up again as you would a brand new merchant.

  • Can I pay bills for someone else?
    Yes, you can pay a bill for someone else such as your mother, children, etc. as long as you are using the funds in your checking account to pay the bill. Simply input the person's name under "name on account".

  • What if a merchant says they haven't received my payment? Or, I have question on a specific bill payment?

    1. Check to see if the funds were deducted from your account
    2. Check to see if all merchant information you entered is correct
    3. Check to see when payment was sent (same day funds deducted from account) and allow 5 business days from the mail date for the payment to be received by the merchant.
    If you have general questions, call our Call Center at (916) 444-6070, email us at

  • Can I stop payment on a bill I paid?
    Generally, no, once the funds have been deducted from your account. Electronic ACH payments cannot be stopped.

  • I'm currently signed up for Direct Deposit, Payroll Deduction or ACH, does this affect when I should schedule my bills to be paid?
    Funds for the Bill Pay feature are deducted before Direct Deposit, ACH or Payroll Deduction is posted to your account. If using these funds to pay bills online, please note that they will not be available until the following day.

  • What happens to the funds if the payee does not cash the check(s) remitted?
    Any bill payment remitted by check that remains uncashed by the payee after 90 days will be refunded to your bill pay account. A stop payment fee may apply.