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Bill Pay FAQ

In preparation for the 2/17/2021 launch of the NEW online banking, mobile banking, and bill pay platform, the FAQs below are answering questions about the NEW system.  If you have any questions about the current system, please contact the credit union for more information. 

Visit this tutorial page form more information on how to:
  • Pay a Bill
  • Set up an eBill
  • Set Up Payment Reminders
  • Set Up Bill Pay Alerts
  • Pay by Card
Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use. You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.
Log on to Online Banking from TLC’s home page at www.tlccu.org. Once you’ve logged on, click on the "Payments".
No.  Simply Log in to Online Banking and click on "Payments". On your first visit you will be asked to enroll. An enrollment screen will be displayed with a link to the Bill Pay Terms and Conditions. Once you agree to the Terms and Conditions, you can begin adding payees and making payments immediately.
The first thing you must do is add payees before you can schedule payments. To add payees, click on "Payments" and "Manage Payments.  You can also access it under "Pay a Bill" but you'll need to also click the "+Payee" button. When setting up your payees, use information from your most recent bill to avoid processing delays. 
Once you have set up payees, locate your payee on the Payments page.  Enter the account you wish to pay from, the dollar amount, and the date you wish to have it paid.  You many also chose to make it a recurring payment or add a comment.  Click "Pay", and follow the prompts.  Your bill is scheduled when you reach the "Payment Scheduled" screen.

Bill payments are processed daily at approximately 2 PM.
To edit a Payee, locate the Payee you wish to update on the payments page.  Click on the payee you wish to update and the "Edit Payee" button.  Make the changes and submit.

Your account is debited at approximately 2:00 p.m. on the estimated delivery/payment date. 

Payments may process electronically or by check. Electronic payments will either process through ACH or by virtual card. The goal is to deliver your payment securely, using the fastest method available for your payee. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
 
Your payment will be withdrawn and paid to the vendor on the date that you set up.  
Generally, your payment is received within 2-3 days for electronic payments and 5 to 7 business days for paper checks.
Pending Payments can be seen by clicking on "Payments", "Manage Payments."
Locate your payee on the Payments screen.  Under the payees name it will state either "electronic" or "check".
Yes, you can add a comment on a bill pay sent electronically or by check.  You do this when you set up the payment to be made. 
Yes.  There are two options.  You can send an overnight or second-day payment via electronic or check for a nominal fee.  The Rush option is part of the set up screen when scheduling a bill payment.
The easiest and fastest way to pay a TLC loan is to use the transfer button to move funds from a TLC deposit account to a loan account.  
Q. What is eBill?

eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your Online Bill Pay account.

 
Q. How do eBills work?

eBills are delivered directly to your Online Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

 
Q. Will I still receive paper statements when I have eBill?

You may continue to receive paper statements for the next 2 or 3 billing cycles. Contact your payee for more details on their paper statement policy.

 
Q: How will I know if eBill is available for a payee?

If a payee offers eBill, there will be a “Setup eBill” link next to their listing on your Online Bill Pay dashboard.

If you are receiving eBill summaries from your payee and full bill statements become available, you will see a button that reads “Setup eBill”

 
Q: What are the primary benefits of eBill?

With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill statements at a glance.

 
Q: What information is included in an eBill?

If available for your payee, your full bill statement will be delivered to your account. That means you can view all statement information, including transactions, payment history, credits, and more.

If full eBill details are not available for your payee, you will receive a summary eBill statement that includes balance due, due date and minimum payment amount.

 
Q: How do I pay an eBill?

To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

 
Q: How do I know when I have received an eBill?

You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

Bill pay default limits are:
  • $1,000 / bill payment
  • $2,500 / day
  • $2,500 / month

If you or your business requires higher limits, we urge you to speak to a member service representative.
Yes, you have the option of adding a TLC or other financial institution debit or credit card to be used to pay bills.  You will do this in the "Card Pay" area of online banking.