Overview
Note: Bill pay is not immediately available for clients who self-enroll. Access is typically available the next day.
- Same-day processing for bill payments when submitted before 3 p.m. EST
- Ability to use multiple checking accounts when paying bills (not available for savings)
- View over one year of payment history
For further assistance, clients can contact iPay support at 1-866-645-0855.
Business Bill Pay Service
Only the designated Online Banking service user can make bill payments using our standard Bill Pay service.
Enroll
To enroll in Online Banking bill pay, do the following:
- Log in to Online Banking.
- From the menu, select Bill Pay > All Bill Pay Options.
- Select the account and click Enroll in Bill Pay.
- Click Continue.
- Clients must choose challenge phrases and responses.
- Challenge phrases are questions and responses known only by the client to secure access to sensitive account and payment information.
Add Payee
Select the appropriate accordion to assist clients with adding a payee to their Online Banking Bill Pay.
Initial Bill Pay Set up
- On the Welcome to Your Bill Pay screen choose Add a payee.
- Click Continue.
- Choose what type of payee (company, person, or bank/credit union). The client can use 1 of the the 3 methods listed below.
- They can search for their payee by typing the merchant's name into the Search box.
- They can select their merchant from a list of the most frequently used Bill Pay vendors.
- They can select either Pay a company or Pay a Person from the below the frequently used list, to manually enter the payee's information. (See the Pay a Company and Pay a Person accordions for more information on this option.)
- Once you choose your option, click Next.
Established Bill Pay
- Log into Online Banking.
- Click Bill Pay > All Bill Pay Options.
- Click Payee.
- Choose what type of payee (company, person, or bank/credit union). The client can use 1 of the the 3 methods listed below.
- They can search for their payee by typing the merchant's name into the Search box.
- They can select their merchant from a list of the most frequently used Bill Pay vendors.
- They can select either Pay a company or Pay a Person from the below the frequently used list, to manually enter the payee's information. (See the Pay a Company and Pay a Person accordions for more information on this option.)
- Once you choose your option, click Next.
Pay a Company
Once the client has selected who they want to send the money to, they must select how they want to send the money. To send money to merchants, clients are only given 1 option.
- Set up requires payee name, account #, phone #, and payee zip code
- First-time payee activation requires a delivery method for activation code to phone or e-mail
Pay a Person
To Pay a Person, clients have 2 options to select from.
-
Direct deposit (Electronic)
- Requires payee first/last name, phone #, account number, routing number, payee account type, nickname, and pay from
- Paid in 1-2 business days
- Requires payee first/last name, phone #, account number, routing number, payee account type, nickname, and pay from
-
Check
- Requires payee first/last name, phone #, address, nickname, pay from
- Paid in 5-7 business days
Pay a person limits:
- Consumer or Basic Business accounts - Up to $1,700 per transaction not to exceed $3,400 per business day
- Business Bill Pay accounts - Up to $4,400 per transaction not to exceed $8,800 per business day
- First-time payee activation requires a delivery method for activation code to phone or e-mail
After successfully adding a payee, clients can return to their home screen to make payments, select from additional options, or make the payments recurring.
Change Name of Payor
If a client inquired about the way the names are printed on a check mailed out using Bill Pay, you can change the name of the payor by doing the following:
- From Online Banking Services or on the CCB Mobile App, click on Services > Bill Pay > All Bill Pay Options.
- In the top navigation bar, click My Account.
- Edit the Account Owner Name accordingly.
- Click Submit when complete.
Additional Information
Closed Bill Pay Account
If a client had their Bill Pay account closed due to fraud or other reasons, they do not need to re-enroll. They can update their Bill Pay by doing the following:
- Log into Online Banking > Bill Pay.
- Click My Account.
- In the Pay from accounts box, click Add Account.
Quick Bill Pay
Many of the same functions performed in Bill Pay can also be done in Online Banking Quick Bill Pay. Clients can perform the following actions in Quick Bill Pay:
- Quick Add Payee
- By clicking the ellipses beside the payee name, clients access a drop-down menu with options to
- Pay Now
- Edit Payee
- Delete Payee