How does Business Bill Pay work? How do I Sign up for Business Bill Pay? What are the requirements to have Business Bill Pay? If I do not meet the required criteria to have Business Bill Pay, how will I be notified? How do I Sign up for Business Online Banking? How do I Log On to Business Bill Pay? Is there a charge for Business Bill Pay? Is there a limit to the number of bills I can pay per day? How do I Add a New Payee? How do I Make a Payment? How do I Manage Payments? How do I use the Payment Calendar? How do I Inquire about a Payment? How do I Add a Sub-User? How do I setup and change User's Authorities? How do I Delete a User? How do I Add a New Bank Account? How do I set up Bill Pay Reminders? How do I set up Payee Categories? What Reports are Available? How do I change my Personal Identification Number (PIN)? How do I change my Email address? What if I schedule a bill and then decide to cancel it? How will I be notified of an NSF due to insufficient funds? I understand Business Bill Pay operates under a good funds model.  What does that mean? In the unlikely event that the Payee does not receive a payment through Business Bill Pay, what should I do? Are there any restrictions on which payments cannot be sent through Business Bill Pay? How does Business Bill Pay work? Single payments will be processed on the business day (Monday through Friday, except certain holidays) that you designate as the payment’s process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 2:00 p.m. CST. A single payment submitted after the cut-off time on the designated process date will be processed on the following business day. Example: Bill payment is due on September 30th in the amount of $250. It is recommended that you schedule the bill 5-7 business days ahead of the due date. You schedule the bill for September 25th (processing date) before 2:00 p.m. The $250 will be debited from your account during the overnight update on September 25th. The bill is expected to reach its destination (by ACH or paper check) by September 30th. (The scheduled payment date is displayed prior to finishing the payment along with an estimated arrival date.) How do I Sign up for Business Bill Pay? Log on to Business Online Banking. Select Business Bill Pay in the gray bar at the top right of the screen. Agree to the Security Alert. Click the Enroll button. Complete the Application * and click Submit. *Required fields are indicated with an asterisk. Your application is received at the Business Resource Center (BRC) and processed. The BRC will decision pending applications on a daily basis. Once approved you will receive a Welcome Letter via email indicating you are ready to begin processing. What are the requirements to have Business Bill Pay? In order to qualify for Business Bill Pay, your account must be opened for greater than 30 days, have no delinquent Citizens loans at the time of application and have no hold addenda, tax levies or transaction restrictors. The individual establishing Business Bill Pay must be an authorized signer and must be signed up for Business Online Banking. If I do not meet the required criteria to have Business Bill Pay, how will I be notified? If you do not meet the required criteria at the time of the application, you will be mailed a letter detailing the criteria and an invitation to contact the Business Resource Center for further assistance. How do I Sign up for Business Online Banking? Log on to Citizens website at www.mybankcitizens.com. Click Enroll under Business Online Banking at the top right of the screen. Complete and fax the application to the Business Resource Center at 1-219-923-1959. You will receive Email notification of your Access ID. For Security Purposes the temporary Password will be Mailed to the address on file. How do I Log On to Business Bill Pay? From the Business Bill Pay screen, type your User ID and PIN and select ‘Login’. Your initial login will require you to Agree to the Terms & Conditions disclosure. Read the disclosure and click I Agree to Continue. If you click I Do Not Agree, you will receive the message ‘You must accept this agreement to enroll in the bill pay system.’ Once you accept, you are asked to provide a Security Key that will authenticate you are linked to the appropriate bill pay website. You will be asked to complete four (4) Security Challenges and Responses. Click Finish. You will then be taken on a quick introductory tour of the bill payment system and will be presented with the screen to set the Default Page to Payments, Admin Tools or Reports. This option may be changed at any time by selecting the Preferences tab and clicking on Default Page. Shortly after logging on, your last login date stamp is displayed as well as your Security Key. Is there a charge for Business Bill Pay? Business Bill Pay is FREE as long as you pay at least 1 bill per month based on your Approval date. The fee for non-usage is $7.95 per month. Is there a limit to the number of bills I can pay per day? The standard bill pay limit is $10,000 per item not exceeding a maximum bill pay daily limit of $50,000. Customers can communicate requests for higher per item or daily limits by contacting the Business Resource Center at 1-888-811-6344. Approval of such requests may be subject to additional underwriting and may require up to 3 business days for approval. How do I Add a New Payee? From the Payments tab click Manage Payees. Click Add New Payee. From the Add a New Bill screen, choose the Payee * from the alphabetical listing supplied and click ‘Add’. Type your Account number associated with this Payee. Retype this number to confirm. Click Search. If the correct Payee is found, click Add this Payee, otherwise click Search Again. Type an appropriate Nickname for this Payee, select an appropriate Category for this Payee (if you have these established) and select the account from which you would like the funds drawn. Click Submit. *Please note – If the Payee was available from the list, payments may be made immediately. If not, inclusion of this Payee into the bill pay system may take several days before a payment may be made. How do I Make a Payment? From the Payments tab click Make Payments. Select the type of Payment you would like to make, Single or Recurring. To make a Single Payment Choose the appropriate Payee Nickname(s). Type the Amount of the payment. Choose the Date you would like the funds to Leave the Bank (default is today). Click Next. Click Finish to complete the transaction or ‘Rush It’ to have the payment expedited. To make a Recurring Payment Choose the appropriate Payee Nickname(s). Select the Account to Pay from. Type the Amount of the payment. Choose the Frequency you would like to send these payments. Select when you wish these payments to End. Type any Memo text and Comments. Choose How to Schedule payments around Holiday/Weekends. Click Next. Choose the Start Date. Review the Payment and click Finish. How do I Manage Payments? How do I View My Scheduled Payments? From the Payments tab click Manage Payments. Your scheduled payments will be displayed in the window. Click on the column headings to change how your scheduled payments are sorted. Use the Narrow my display dropdown to view all scheduled payments or a specific payment.   How do I Change a Scheduled Payment *? From the Payments tab click Manage Payments. Find the payment you would like to change. Click Change. Make Changes. Click Next. *Please Note: A window will open displaying the details of the payment. If this is a single payment you will have the ability to change the pay from account, payment process date, payment amount, memo, and comment fields. If this is a recurring payment you can change the amount, pay from account, memo, and comment. If you need to change the process date of a recurring payment you must stop the recurring payment first, and then add a new recurring payment with the new process date. When you stop a scheduled recurring payment, all future payments will also be stopped. How do I Cancel a Payment? From the Payments tab click Manage Payments. Find the payment you would like to Cancel. Click Stop. How do I use the Payment Calendar? From the Payments tab click Payment Calendar. The current month is displayed. You can scroll forward or backward to view other months. The calendar displays payments on the day they are scheduled. Click on a date where an amount is displayed. The amount is a link that takes you to specific scheduled payments. A “Payment Details” window will open. If the payment has not already processed, you can change or stop the payment by clicking “Change/Stop”. How do I Inquire about a Payment? From the Payments tab click Payment History. Select the appropriate Payee Nickname / Payment Date Range, et cetera. Click Next. Click View Details located to the far right of the payment in question. Click Send a Payment Inquiry to send a message to the Customer Contact Center. Check all that apply: I contacted the payee regarding this payment prior to submitting this inquiry. My payment was not posted on my last billing statement. This payment was sent to the wrong payee. Click Submit your payment inquiry. The Messaging Center utilizes world-class security practices to ensure the privacy of your communications which may contain sensitive personal information. Please remember to use this tool as opposed to standard email for payment inquiries. All messages are initiated and presented behind 128-bit SSL encryption to support the added protection of login authentication. Our websites are hosted within a highly hardened network which makes use of firewalls, intrusion prevention and detection systems and many other devices and processes configured to protect your personal information. While email notifications are available to let you know that you have a new message waiting in the Messaging Center, these notifications contain no private information and will simply ask you to log in to your online banking site to read the new message. How do I Add a Sub-User? From the Admin Tools tab click Manage Users and Add User. Supply their Login ID * and PIN. Click the box if you wish to force a PIN change on initial login. Please note you may click the Force a PIN change box and Next at any time to force the user to change their current password. Complete the fields; Last Name and First Name. Additionally, you may complete the remainder fields; Email address, Middle Name and Comments. *If the Login ID has already been used, you will receive an Error message indicating: Your request could not be processed due to the following reasons: Login ID already in use. You must then choose another Login ID. Select the Sub-Users Functions Payments Make Bill Payments – Schedule, but not Approve, single or recurring payments for Bills. Make Email Payments – This Feature is not available. Make Transfers – This Feature is not available. Manage Payments – Approve pending payments, Schedule payments that will automatically be approved, Change and/or Stop scheduled and pending payments and View pending and scheduled payments. Manage Payees – View, Add and Update Payees for all payment types. Payment History – View and Print Payment History. Make Payment Inquiries – Send Messages to the Customer Contact Center regarding Payments. Message Center – Send and Receive Messages from the Customer Contact Center. Payment Caps Select the Maximum Dollar Amount this Sub-User will be allowed to process daily. The default is $2,500 but may be set up to the Company Limits of $10,000 per Transaction. Admin Tools Manage Bank Accounts – Add, View and Edit Bank Accounts to pay bills from. Bill Pay Reminders – Add, View and Edit Reminders set for paying bills. Manage Users – Add, View and Edit Users. Payee Categories – Add, View and Edit Payee Categories. Reports Set – View and Print all Available Reports. Click Next. How do I set up and change User’s Authorities? From the Admin Tools tab click Security Features. These settings may only be changed by the Primary User. Dual Signature Required - Force all payments to be approved by two users with Approved Payments permission. You may toggle this function to Turn On or Turn Off. Payment Thresholds - Receive an email notice when a payment is scheduled above a threshold amount. Choose the Category, Payee and Amount above which you would like notification. Challenge Phrase Prompts - Select which bill pay functions will require a Challenge Response. The following guidelines may be set: Primary User Challenge Phrase Prompts to force a successful response to your Challenge Phrase before performing the following bill pay functions: Change Security Options Change Payment Thresholds Admin User Challenge Phrase Prompts to force you and your Admin users to successfully respond to their challenge phrase before performing the following bill pay functions: Change PIN Add a payee Change a payee account number Scheduled PIN Changes - Set a schedule that automatically requires all users to change their PIN monthly or quarterly. Click Finish. How do I Delete a User? From the Admin Tools tab click Manage Users. Click Delete User to the right of the User Name you wish to Delete. Click Next to Confirm the Action. How do I Add a New Bank Account? From the Admin Tools tab click Manage Bank Accounts. Select Add Another Account. Type the Account Name and Number. Select Checking from the drop down. Click Finish. The bank account has been added with a PENDING status. Once the request has been reviewed and approved by Citizens you will be able to process bill pay transactions with this account. If this account has not been approved within 3 business days, contact the Business Resource Center at 1-888-811-6344. How do I set up Bill Pay Reminders? From the Admin Tools tab click Bill Pay Reminders. Choose from the following Reminders and Email Options: Due Date Reminders – Receive an email reminder to pay a bill. Miscellaneous Reminders – Receive an email notification of a recurring payment that processed, an activated payee, a list of pending payments or a list of all payees. Payment History Emails – Receive an email reminder of a bill that has been paid. Session Emails – Receive email notification of transactions following each bill pay session. How do I set up Payee Categories? From the Admin Tools tab click Payee Categories. Manage Categories - Assign Payees to certain Categories; Add and Edit Categories. Payment History by Category - Receive payment history information sorted by Categories. What Reports are available? From the Reports tab click Account Summary - Choose from the following: Top 10 Payees by number of payments (Last 30 days) Top 10 Payees by number of payments (Historical) Top 10 Payees by total dollar amount paid (Last 30 days) Top 10 Payees by total dollar amount paid (Historical) Top 10 Categories by number of payments (Last 30 days) Top 10 Categories by number of payments (Historical) Top 10 Categories by total dollar amount (Last 30 days) Top 10 Categories by total dollar amount (Historical) From the Reports tab click Auditing Reports - Choose from the following: All Payments Processed All Payments Stopped All Payment Changes All Payees Added From the Reports tab click Payment Activity - View: Today’s Scheduled Payments Current Month’s Scheduled Payments (including Today) Total Payments Processed this Month How do I change my Personal Identification Number (PIN *)? From the Preferences tab click Change PIN. Type your Current PIN. Type your New PIN. Verify your New PIN. Click Finish. *Minimum PIN length 7 characters – Maximum PIN length 12 characters – Alpha and/or Numeric How do I change my Email address? From the Preferences tab click Change Email Address. Your Current Email Address is displayed. Type your New Email Address. Confirm your New Email Address. Click Next. What if I schedule a bill and then decide to cancel it? Any bill payment can be changed or canceled provided you access the Bill Pay Service prior to the cut-off time on the business day the bill payment is going to be initiated. If you missed the window to cancel the bill, you may contact the Business Resource Center for further assistance as we have an extended period of time for this purpose. Any Stop Payment orchestrated by the Business Resource Center will result in the usual and customary Stop Payment Fee. How will I be notified of an NSF due to insufficient funds? We will attempt to make contact with you by two methods. First, you will receive the Items Paid/Returned Against/Because of Insufficient Funds notice through the U.S. Mail as you do now for NSFs. Secondly, you will receive notification through the Business Bill Pay site. Upon logging in to Business Bill Pay, you will be alerted that you have messages detailing items not paid. I understand Business Bill Pay operates under a good funds model. What does that mean? You agree to have available and collected funds on deposit in the account you designate, sufficient to pay all bill payments requested on the scheduled date of the bill. Business customers may use their Business Overdraft Privilege to pay bills through Business Bill Pay, as appropriate. In the unlikely event that the Payee does not receive a payment through Business Bill Pay, what should I do? Simply log in to Business Bill Pay and send a Payment Inquiry to our Customer Service Center. They will then verify whether or not the payment was received and on what date. You will then make contact with the Payee and explain the situation, requesting a fax number and a contact name. The fax number and contact name is to be communicated back to the Customer Service Center within Business Bill Pay. They will then fax proof of the item to the Payee showing their receipt of the item. This process is expected to take up to 2 business days. Are there any restrictions on which payments cannot be sent through Business Bill Pay? Tax or court-related payments are not permitted. For additional information, contact Citizens Business Resource Center at 1-888-811-6344.