Arizona Central Credit Union

Frequently Asked Questions - Bill Pay

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.

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.

A: You must have an Arizona Central LifeStyle Checking Account to use the Bill Pay service. All payments will be deducted from this account.

A: Registration is easy! The first time you attempt to access the Bill Pay 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 right away. If you receive a message such as "application pending," please contact us so we may assist you.

A: Yes. You can schedule recurring payments at a variety of frequencies, such as weekly, monthly, quarterly and more.

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.

A: Yes. All Bill Pay transactions become part of your checking account transaction history and show up on your monthly account statement and eBRANCH account histories.

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.

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.

A: Each bill payment is debited separately.

A: Your account is debited via ACH.

A: Automated Clearing House is a funds transfer system which provides for the inter-bank clearing of electronic entries for participating financial institutions.

A: Following is a summary of FIS's Insufficient Funds procedure:

  1. A block will automatically be placed on all accounts that have an ACH debit returned due to insufficient funds. 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.
  2. Upon the first return, FIS 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.
  3. FIS 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.

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 FIS routes the payment incorrectly, then FIS will take responsibility for the late fee. (FIS is Arizona Central's Bill Payment processor.)

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.

Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

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