Does paying bills stress you out? Free yourself from the hassles of writing checks, searching for stamps, and rushing to meet postmark deadlines. With Arizona Central's Bill Pay & Presentment service, simply specify whom to pay, how much, and when. You're in complete control.
Bill Pay & Presentment offers you not only the ability to pay all of your bills from one simple-to-use site, but also provides you with the convenience of receiving, viewing, and managing your bills at the same online location.
- Receive your bills electronically – if the payee is set up to deliver e-bills – so you won’t have to worry about bills being lost in the mail
- Set up email alerts for bill arrivals, due dates, and upcoming payments so you’ll always stay on top of your monthly obligations
- Schedule automatic recurring payment rules for each payee so you can spend less time paying bills and more time enjoying life
- Run payment reports and create custom reports so you can track your monthly spending habits
- Request a year-end CD of bills and payments so you’ll always have your most important financial data at your fingertips
- And much more!
It's simple, secure, and it's FREE! That's right, there's no monthly service fee. Pay as many bills as you'd like each month at no charge.
Try Bill Pay & Presentment today! For more information, review the Frequently Asked Questions, Quick Start Guide (requires Adobe Acrobat Reader®), or Demo.
Q: How does Bill Pay & Presentment work?
A: Payments are sent to your designated payees on the day you select (Process Date). Payments are sent either electronically or by paper check, depending upon the payee's ability to accept electronic payments. Electronic payments take up to three business days to reach your payee while paper checks may take up to five business days.
Payments will be electronically deducted from your Arizona Central Checking Account on or after the Process Date, never before. For your convenience, you have the option of setting up payments as one-time only or recurring.
Q: What does Bill Pay & Presentment cost?
A: There is no monthly service fee. Make as many payments as you'd like from your consumer checking account each month at no charge.
Q: From which account will my payments be deducted?
A: You must have an Arizona Central Checking Account to use the Bill Pay & Presentment service. All payments will be deducted from this account.
Q: How do I register for Bill Pay & Presentment?
A: Registration is easy! The first time you attempt to access the bill payment section of eBRANCH, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.
Next, complete the online registration form and submit it with a click. In most cases your application will be processed immediately and you can begin using Bill Pay & Presentment right away. If you receive a message such as "application pending," please contact us so we may assist you.
Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule recurring payments at a variety of frequencies, such as weekly, monthly, quarterly, and more.
Q: When is Bill Pay & Presentment available?
A: It's typically available 24 hours a day, seven days a week. The system may be taken down from time to time for scheduled maintenance. Check our System Maintenance Schedule for details.
Q: Are my Bill Pay & Presentment transactions reflected in my account history?
A: Yes. All Bill Payment transactions become part of your checking account
transaction history and show up on your monthly account statement and eBRANCH
account histories.
Q: Can Bill Pay & Presentment be used when I am out of the country?
A: Yes. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and territories.
Q: Who can be paid using the Bill Pay & Presentment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid. You can pay practically anyone - charge accounts, utilities, auto loans, insurance providers, even a lawn service or a relative. However, tax payments (such as federal, state, and local) and court directed payments (such as alimony and child support) cannot be processed through this system. In addition, members are discouraged from using the service to make payments to Arizona Central loans or credit card accounts. Instead, transfer funds manually, use eBRANCH's Scheduled Transfers feature, or contact the credit union to set up automatic loan payments.
Q: If I schedule multiple bill payments for a single day, how will my account be debited, as a lump sum or separately?
A: Each bill payment is debited separately.
Q: How is my account debited?
A: Your account is debited via ACH.
Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the inter-bank clearing of electronic entries for participating financial institutions.
Q: What if I do not have sufficient funds on the day Metavante, Arizona Central's bill payment processor, debits my account?
A: Following is a summary of Metavante's Insufficient Funds procedure:
- A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to Arizona Central Credit Union.
- Upon the first return, Metavante will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
- Metavante will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.
Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.
If you select an electronic payee with the address that matches that indicated on the payment coupon, and Metavante routes the payment incorrectly, then Metavante will take responsibility for the late fee. (Metavante is Arizona Central's Bill Payment processor.)
Q: How do I place a stop payment on a Bill Payment?
A: A payment may be edited or deleted anytime before the Process Date. Payments that have been remitted electronically cannot be stopped. To place a stop payment on a paper check that has been remitted, contact us.