Bill Pay Frequently Asked Questions
What are Terms & Conditions?
Bill Pay BILL FAQs
Bill Pay PAYMENT FAQs
What is Bill Pay?
Bill Pay lets you pay your bills online through Cambridge State Bank. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.
Quick Facts about Bill Pay
- You can pay all of your bills at the Payment Center. You can also see a summary of your pending payments and the payments you've made in the past 45 days.
- You can receive some of your bills online in Bill Pay. You can view and pay these bills at the Payment Center.
- You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
- You can review your bills and payments for the past six months. You can also export your payment information to a Quicken® Interchange Format (QIF) file.
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Payment Center lists all of the bills you've added in Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.
Tip: When you enter an amount, Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.
You can pay as many bills as you want at the same time from the Payment Center.
After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
- The Pending Payments section provides a quick summary of the payments that have not been processed yet.
- The Recent Payments section provides a list of the bills that have been paid in the past 45 days.
You can also find a list of the pending and recent payments for a particular biller in the Payment Center. If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.
Bill Pay uses several methods to ensure that your information is secure.
- SSL—Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
- Encryption—Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
- Automatic Sign Out—Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in Bill Pay.
For best performance, we recommend you use one of the following supported browsers:
- Chrome 51* on Windows 7
- Firefox 47** on Windows 7
- Microsoft Internet Explorer 11 on Windows 7 and 8
- Microsoft Edge 14 on Windows 10
- Safari on Mac OS X
*Chrome is automatically updated to the latest version of the software.
**Firefox is automatically updated to the latest version of the software.
Tips for Screen Reader Users
The following features may help you navigate Bill Pay more easily:
- Skip to Main Content Links—These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.
- Link Titles—If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.
- Table Summaries—Whenever information is presented in a table format, we provide a brief description of the contents.
- Font Sizes—The fonts can be resized without significantly changing the layout of a page.
The Payment Assistant is a dynamic layer that provides payment-related information and links to certain features. The Payment Assistant and some of the application frames accessed from it use a presentation that may not be available to screen readers and other technology tools at this time. However, you can access the same information and tasks on alternate application pages.
The Terms & Conditions are a complete and exclusive statement of the agreement between you and Cambridge State Bank regarding your Bill Pay service. The Terms & Conditions document contains information about authorization, liability, and limitation issues when using Bill Pay. In the event of a dispute regarding Bill Pay, you agree to resolve the dispute by looking to the Terms & Conditions document.
The Terms & Conditions document provides details about the following items:
- Payments that are prohibited.
- Password and security information.
- Your liability if unauthorized transfers occur.
- Errors or questions about your transactions.
- Situations in which your account information can be disclosed to third parties.
- Charges assessed based on services provided.
- Service transactions that are returned.
- Notification requirements for termination or discontinuation of the service.
- Types of payments and limitations on billers.
Bill Pay BILL FAQs
You can pay anyone in the United States that you would normally pay by check or automatic debit. Even if you don't receive bills from the company or person you want to pay, you can still add the information we use to make payments. You can pay large companies and small companies, as well as individuals such as child care providers or family members.
When you pay a bill, Bill Pay sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the address you provide when you add your bill.
To add a company or person to your list of bills, you first select one of the following options:
You can take advantage of the same Bill Pay features to make payments to individuals as well as to companies.
- You can make payments online instead of writing checks.
- You can keep track of all your bill payments at the Payment Center.
- You can set up an automatic schedule for your payments.
For example, you may make weekly or monthly payments to a person for housecleaning or child care services, or you may send an allowance to a child at college. If you pay the same amount each period, you can set up an automatic schedule for your payments to avoid writing checks for each payment.
When you select the option Person, you can either:
- Enter the first and last name, nickname (optional), email or mobile number.
- Enter all of the information we need to make your payments: the person's name, address, and phone number.
You cannot use Bill Pay to pay any company or person with an address outside the United States or its territories.
You can use Bill Pay to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.
No, you do not need to contact the companies or people that you pay if you use this service. We make the payment based on the information you provided when you added your bill. If we have already established a relationship with a company or person you want to pay, we may send the payment electronically or to a location specified by the biller. Otherwise, we print and mail a check to the address you provided. If you enter your account information, we send it with your payment so that the company can credit your account properly.
Add a bill for each separate account you have with the company.
For example, if your phone company provides your home phone service, your wireless phone service, and your Internet service, you can add the company to your list of bills three times, each time with a different account number. If your phone company consolidates all of the information on one bill and provides you with one account number, you only need to add the phone company to your list of bills once.
Each time you set up a new Biller via Bill Pay you will receive an email confirmation from firstname.lastname@example.org. This is an additional protection to verify that you set up and approve the biller. If you did not set up the biller and you received an email, please contact Customer Service at 866.679.3396.
Bill Pay PAYMENT FAQs
To pay your bills online, you simply add the companies and people you want to pay. We use this information to make the payments for your bills.
After you add your bills, go to the Payment Center to view all of the bills you've added in Bill Pay. Your bills remain in this list until you delete the biller. To pay a bill, find it in your bills list and enter the amount and date for the payment.
- You only have to add the companies and people you want to pay once. The company or person remains in your list of bills until you delete the biller.
- You can pay as many bills as you want at the same time from the Payment Center.
- You can pay your bills from more than one payment account. However, you can select only one account at a time in the Payment Center section.
- You can set up reminders to receive notification when a bill is due. The reminder appears below the bill in the Payment Center for a certain number of days to remind you to pay the bill before it is due.
- When you enter an amount for the payment, Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment. You can either accept this date or change it to a later one.
- After you enter your payment information and click Send Money, we validate it and display it on the Review Payments page. You must review and submit your payments before we process them and send them to your billers.
Bill Pay provides the following features for keeping track of your bills, and most of the features are available on the Payment Center:
- The Pay Bills section lists all of the bills you've added in Bill Pay. You can scroll through the list alphabetically by clicking the Biller Name column.
- You can set up reminders for your bills and have the reminder appear below the bill in the Pay Bills section for a certain number of days before the bill's due date. If you're receiving an electronic bill, the reminder appears as soon as Bill Pay receives the bill from your biller.
- You can also receive e-mail reminders for your bills when the following events occur:
- The bill is due.
- The bill is past due.
- The payment has been sent and the money has been withdrawn from your payment account.
- The message contains information that is specific to a particular bill.
- The Pending Payments section provides a quick summary of the payments that have not been processed yet.
- The Recent Payments section lists the bills that have been paid in the past 45 days.
- You can view all of the bills you paid, including electronic bills and the bills that you pay automatically. You can also view any unpaid electronic bills.
Look for the payment to move from the Pending Payments section to the Recent Payments section.
- You can see a list of pending and recent payments for a particular biller or for all billers in the Payment Center. If the payment was processed normally, you see the amount of the payment. If you canceled the payment, or if it failed during processing, you see the status of the payment.
You can also check the status of the payment in Activity. If the status is Paid, the payment has been sent to the biller. In some cases, you may see the date when the biller posted the payment to your account.
When you set up your bill reminders, you can select an option to receive an e-mail message when the payment is sent. The message contains any posting information that the biller sends us. If you want to confirm that the payment has been posted to your account, contact the biller. It may take a few days for the biller's payment system to show the credit to your account.
You can check the account statement from your financial institution to see if the funds were withdrawn from your payment account.
You can always contact your biller directly regarding payments to your account.
A preferred account is the payment account from which you pay most of your bills. When you designate an account as your preferred account, it appears first in the Pay From list on the Payment Center by default.
To change your preferred account, simply select another account in the Pay From list in the Pay Bills section. When you choose a different account, the Make Preferred Account check box appears so that you can select it for the new account.
Note: You must make a payment to designate a preferred account. If you select the Make Preferred Account check box but don't make a payment, the previous account selection continues to appear as your preference.
The confirmation number is a unique identifier that Bill Pay automatically assigns to each payment. If you have a problem with a payment, use this number to refer to the payment when you contact customer service. However, if you send us a payment inquiry, the confirmation number is automatically associated with the payment in question.
The confirmation number does not indicate that the company or person has received the payment. Please refer to the previous question to learn how to verify that a company or person has received the payment. If you have a problem with a payment that has already been sent, please refer to the FAQs for Managing Payment Problems.
A memo contains information that is printed on the memo line of a check that Bill Pay sends to the company or person. You can only add a memo to payments that Bill Pay sends by check. The memo is also kept on file with the payment, so you can review the memo when you view the details of your payment on the Bill Detail page. The maximum length of a memo is 34 characters.
Yes. If the payment has not started processing, you can change the:
- Account from which to make the payment.
- Date you want the biller to receive the payment.
- Amount of the payment.
If you made a payment to the wrong biller, you can cancel the incorrect payment and make another one to the correct biller.
If the payment has started processing, or if the status is Paid, call the biller's customer service. For more information, see the FAQs for Managing Payment Problems.
Tip: If you want to change a payment that has been scheduled automatically, consider setting up bill reminders instead of an automatic payment schedule. The reminder appears below the bill in the Pay Bills section of the Payment Center for a certain number of days before the due date. You can check the reminders to ensure you're making payments on time. Automatic payment schedules work well for bills that are a set amount paid at regular intervals, such as your mortgage, rent, or car loan.
For more information, see the FAQs for Setting Up Reminders and the FAQs for Setting Up an Automatic Payment Schedule.
What happens when I cancel a payment?
After you cancel a payment, its status changes to Canceled and it is not processed. Canceled payments appear in:
- The Recent Payments section of the Payment Center.
- Bill History.
Note: If you cancel an automatic payment, only the selected payment is canceled. You do not cancel any future payments in the payment schedule. To cancel all payments that you've scheduled to be paid automatically, go to Manage My Bills and delete the automatic payment.