How does the Bill Payer service work?
Can I change payment or payee information?
How much does the service cost?
Can I select electronic or check payments for my payees?
How far in advance should payments be scheduled?
Can I skip or edit a recurring payment?
What happens if I don't have funds to cover a requested payment?
How do I know if my payment was sent or received?
What do I do if my payment isn’t received?
Can I stop a sent Bill Payment?
Who can I pay with the service?
I no longer want to subscribe to Bill Payer. How do I cancel?
I cancelled Bill Payer. What happens to the payments I had scheduled?
I cancelled Bill Payer. How do I reenroll?
Q. How does the Bill Payer service work?
A. With Chartway’s Bill Payer service, you’ll never have to buy another stamp to mail your bills. For just $4.95 per month, you can pay an unlimited number of bills online to anyone you wish with Bill Payer. It sure beats all the trouble of sending checks through the mail. Enjoy the following benefits:
- Access to pay your bills 24 hours a day
- No stamps or envelopes
- Make multiple bill payments at one time
- Set up recurring bill payments (monthly, weekly, etc.)
- Use Bill Payer for bank-to-bank transfers
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Q. Can I change payment or payee information?
A. Once a Payee has been matched to an existing entry by the Bill Payer service, it will be locked from edits to maintain a match for that Payee. Usually this will indicate that future payments to the payee will be sent electronically. You should receive a message when you login to eBranch from the Bill Payer service for any Payee updated as such. Should you still want to alter the Payee information on these locked entries, the Payee will have to be deleted and reentered as a new entry. Payees entered as "Individual" or unmatched by the Bill Payer service may be edited as needed.
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Q. How much does the service cost?
A. Chartway’s Bill Payer service is just $4.95 per month. However, the fee is waived if you have all of the following:
- A checking account* with Chartway
- Pay three (3) bills per month through Bill Payer
- Active enrollment in Chartway’s eStatements
*Free Bill Payer with Premier or Elite 50 Plus checking.
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Q. Can I select electronic or check payments for my payees?
A. No, business payees will automatically be designated as electronic or check based on their entry in Bill Payer and the payee's ability to receive funds electronically (currently over 55% electronic transfers through Bill Payer). You can enter (if known) the routing and account number for an individual, and funds can be sent to them by ACH transfer, as well.
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Q. How far in advance should payments be scheduled?
A. Each Payee (both on the View/Edit screen and the Payment schedule screen) will list a number of business days to deliver. Also, when scheduling a payment, the confirmation screen will list the estimated delivery date.
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Q. Can I skip or edit a recurring payment?
A. Yes, there is a skip payment and an edit feature available on all recurring payments. However, the skip payment must be requested before the scheduled payment date. Log on to eBranch and enter the ‘Pay Bills’ section. Any payments not yet processed will be displayed here. Select the Payee you would like to edit or skip and follow the prompts at the bottom of the screen to complete the transaction.
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Q. What happens if I don't have funds to cover a requested payment?
A. Bill Payer will not issue a payment from your account unless funds are available. After an initial unsuccessful attempt to debit your account for a scheduled payment, the Bill Payer service will make two additional attempts on the following business days before abandoning the item. You can reschedule the payment once funds become available.
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Q. How do I know if my payment was sent or received?
A. There is an option to view your payment history under the ‘Pay Bills’ section in eBranch. This screen will list the payee, payment date, cleared date, status and the amount of the payment.
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Q. What do I do if my payment isn’t received?
A. On the View/Edit Payee screen, as well as the payment schedule screen, each Payee will display the number of business days for estimated delivery. When a payment is scheduled, the confirmation page will also list an estimated delivery date.
If after this date you have verified with the Payee that they have not received the payment, please let us know. Chartway will research and track the payment to determine if the item should be stopped or if the item has been cashed and posted incorrectly. If the item has been presented and cashed, Chartway can provide you with the check copies or copies of the electronic transfers to provide to the merchant as verification of payment.
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Q. Can I stop a sent Bill Payment?
A. Yes, you may stop a Bill Payment that has already been sent. In order to do so, please call our Contact Center to speak with a representative. The stop payment fee is $25.00, and it will take two to three business days for the account to be credited. Payments that have been issued electronically cannot be stopped once issued. If you contact a representative prior to 12:00pm EST on the day the payment is debited, they may be able to have the Bill Payer service halt sending of the payment. After this time, only payments issued by check may be stopped.
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Q. Who can I pay with the service?
A. With Chartway’s Bill Payer service, you can pay anyone you choose. Simply enter their information as a Payee. In addition, you can make a payment to a business or individual directly to the receiving account number at their financial institution. To have these funds sent electronically, you must have the routing number and account number of your Payee's financial institution. Please note that the Bill Payer service can only send funds electronically in this manner to another financial institution in the United States.
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Q. I no longer want to subscribe to Bill Payer. How do I cancel?
A. You can call our Contact Center at (800)678-8765 or (757)552-1000 to speak directly with a representative. You can also use the "Contact Us" link in eBranch to send a notice to us that you wish to cancel the service.
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Q. I cancelled Bill Payer. What happens to the payments I had scheduled?
A. Any pending payments will not be made once the Bill Payer feature is cancelled on your account.
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Q. I cancelled Bill Payer. How do I reenroll?
A. If you would like to reactivate the Bill Payer service, please call our Contact Center at (757) 552-1000 or (800) 678-8765 and speak with a representative.
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