Bill Pay Frequently Asked Questions

What is the benefit of paying bills through First Online Banking or First Mobile, as opposed to one of my biller's websites?

You can pay all your bills in one place, so you only have to remember one username and password. Plus, you can better manage and control your finances by viewing your balance and paying your bills from the same website.

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Is it more secure to pay my cell phone bill in online banking or my cell phone provider's website?

It typically is more secure to pay your bills within your online banking account. When submitting a payment online directly to a biller, you often are required to provide your financial account information to authorize a debit from your account—which may leave you vulnerable to security risks.

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Is there a cost to use Bill Pay?

No, bill pay is FREE to all Online Banking customers.

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How long does it take to set up a payee in online banking?

It only takes minutes to log in and set up a new payee. You only have to enter payee information once. After a payee is set up, it is fast and easy to make future payments online.

Watch the add payee demo

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How does Bill Pay work?

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 bill.

Next, add your bills, and then go to the Payment Center. The Pay Bills section lists all of the bills you’ve added in Bill Payment. To pay a bill, you simply 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.

Tip: The pay date is the date on which your payee will receive the payment.

You can pay as many bills as you want at the same time from the Payment Center.

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Who can I pay using Bill Pay?

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 Payment sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Bill Payment prints a check and sends it to the address you provide when you add your bill.

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Which bills can’t I pay with Bill Pay?

You cannot use Bill Payment to pay any company or person with an address outside the United States or its territories. You can use Bill Payment to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.

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What is an electronic version of a bill?

An electronic version of a bill, which is also called an e-bill, is a bill that you can view and pay online at the Payment Center. It typically contains the same information as a paper bill or statement.

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How do electronic bills work with Bill Pay?

We can receive electronic bills from hundreds of companies nationwide. When you add a company that can send electronic bills, you will see an eBill is available! message, followed by an Enroll Now link. Enter the information that your biller requires to set up your electronic billing service, and we send your request to the biller.

Some billers let you select options to automatically pay your electronic bills. You can decide to always pay the amount due or set limits for automatically paying the bill. You can also decide to pay the bill on the due date or schedule the payment for the earliest date available after you receive the bill.

Watch the eBill demo

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Are my payments guaranteed?

With the CheckFree Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through CheckFree, you are protected in the unlikely event of unauthorized transactions or processing delays so long as the payment is scheduled in accordance with the Terms and Conditions of the CheckFree service.

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When does a biller receive my payment?

For most bills, your payment is delivered the next business day. If the payment requires a paper check, it can take four days for your biller to receive it.

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When is the money for the payment withdrawn from my payment account?

If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits or cashes the check.

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What if the funds are not available in my account when I set up a payment online?

You can log in to your online banking account to easily transfer funds from your savings to your checking account to cover payments. You also have the flexibility to schedule the payment to post when you know the funds will be available in your checking account.

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How does paying bills online help protect the environment?

In one year, by switching from paper to electronic billing, statements (eBills), and payments, the average American household would save 6.6 pounds of paper. Plus, if 20% of U.S. households switched to electronic bills, statements and payments, more than 1.8 million trees would be saved each year. (Source:

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Who do I contact if I have questions about Bill Pay?

If you should ever have a question about bill pay, you can send your inquiry through the secure messaging feature of Online Banking or call us at (800) 511-0045.

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Need help?

Customer Experience Team
(800) 511-0045

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