billpay faq

How do I enroll for the SMART Web BillPay service?

There are detailed instructions on how to sign up for SMART SMART Web BillPay on our SMART Web BillPay Getting Started Page. Click on the link below to go to there and begin the process of signing up.

Getting Started

Do I need any special software or hardware to use the SMART Web BillPay service?

To use the SMART Web BillPay service you will need to have a browser installed on your PC which is capable of 128-bit U.S. Security Encryption. This is also sometimes referred to as 128-bit Strong Encryption. If you do not have sufficient browser encryption you will receive an "Insufficient Browser Encryption" error message when you try and log on to the SMART Web BillPay service. In addition to the error message you will be provided with links where you can obtain the required browser versions. The links are also provided below.

Internet Explorer 128-bit Download Page
http://www.microsoft.com/ie/download/128bit.htm

Netscape Download Page
http://www.netscape.com/download/client_download.html

America Online
To upgrade your AOL browser, go to "keyword" and type "128browser" and follow the instructions

You may also find it necessary to upgrade your browser completely. Browser software changes very frequently and in order to be able to use the new features of the Internet and to keep your connections secure, you should upgrade to the new versions or your respective browser as they become available. You can do this by going to the home page for the company that makes your browser or by choosing update from your browsers menu. Most browsers today have an update feature built in, older browsers will require you to go to the site for your respective browser. Links for the download sites are provided below:

Internet Explorer
http://www.microsoft.com/ie

Netscape Navigator/Communicator
http://www.netscape.com/download/

America Online
To upgrade your AOL browser refer to the online help in AOL

What does the SMART Web BillPay service cost?

SMART Web BillPay is a FREE service to our members which allows up to 10 electronic checks to be written per month ($.50 each additional check).*

*SMART Web BillPay service requires a Cumorah Checking account and access to SMART Web.

When will any charges for the SMART Web BillPay service be assessed?

You may incur charges for paying more than the FREE 10 bills per month.  If you are assessed charges, they will be taken at the end of each month. For example your service fees for the month of January will be taken from your account on the last business day of January. This billing date may vary slightly.

Will I have a separate password for the SMART Web BillPay service?

No. Upon enrollment you will be fully able to use the service.

To access SMART Web BillPay you will log on to the SMART Web system as you currently do, using your Account Number and SMART Security Code. When you log on to the SMART Web system your password will be verified. Then click on the Pay Bills link on the Account Summary page. You will be automatically linked to the SMART Web BillPay service, your username and account information will be transferred over a secure connection and you will be automatically logged on to SMART Web BillPay.

What is my Service Account Number?

Your Service Account Number is the number assigned to your specific account. When you first open your account your Username is set to your Service Account Number. You can see your Service Account Number by selecting User Info from the Customer Care screen in SMART Web BillPay. You will need to know your service account number when using the 1-800 Customer Care support line.

Can I change my SMART Web BillPay password?

There is no separate password for SMART Web BillPay.  To change your BillPay password, simply change your SMART Security Code.

Who can I pay using the SMART Web BillPay service?

You can pay any individual or entity, as long as the individual or entity has an address in the United States.

Payee examples include: your monthly telephone bill, rent, credit card bills, day care, or sending a check to your son/daughter who’s away at college.

The following payment types are prohibited through the Service:

1. Tax Payments
2. Court Ordered Payments
3. Payments to Payees outside of the United States or its possessions/territories.

Please note: While you can make payments to your Cumorah Credit Union loan accounts using the SMART Web BillPay service, we suggest that you make your Cumorah Credit Union payments using the transfer option on the SMART Web system. Making your Cumorah loan payments through SMART Web rather than through the Web BillPay service will let you "save" your limited Web BillPay payments included in the basic monthly service fee for non-Cumorah bills. You can also set up your loan payments to be automatically transferred from your Cumorah account at no charge. Ask a financial service representative for information on auto-transfer payments at the time you set up your loan or you can have this service added by requesting it after you have opened your loan.

What if I do not have an account number for one of my Payees?

Sometimes you will want to set up a Payee where you do not have an actual account number; however, the SMART Web BillPay system requires an account number for every Payee that you establish. In these cases simply type in an appropriate description for the payment. Note: The maximum length for this account number field is 25 alphanumeric characters.

How many days does it take for my payment to reach the Payee?

While it is anticipated that most transactions will be processed four (4) Business Days before your selected Scheduled Payment Date, it is understood that due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your account with them.

For this reason, it is necessary that all Scheduled Payment Dates selected by you be no less than five (5) Business Days before the actual due date, not the late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 8 p.m., Eastern Time [ET], for a payment to arrive on Friday.) Payment Instructions entered after the 8:00 p.m. ET Cutoff Time or on a non-Business Day will be considered entered in the Service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges. In any other event, including but not limited to choosing a Scheduled Payment Date which is not five (5) Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

What do I do with the part of the invoice or bill that I usually mail back to the Payee with my payment? Doesn’t the vendor need that to process my payment?

No. The vendor does not need the payment stub that accompanies your bill. As a precautionary measure you may wish to keep the payment stub until payment of your bill shows up on your account on SMART Web or until you receive your statement that displays the transaction. You may also wish to keep the stub and bill for reference purposes, however, this is not required and once the bill has been paid you may discard the payment stub.

Do I need to contact each of my Payees and let them know that I am going to be using an automated bill pay system to pay them?

No. Your bill will be processed as normal without you contacting any of the Payees. If you have provided accurate address, phone number, and account number information for the Payee, the SMART Web BillPay service will take care of the rest.

What do I do if one of my Payees’ address changes?

You can change Payee information by selecting the Payee from the list in the View Payee page of the service. Address changes to pre-defined Payees is taken care of by SMART Web BillPay. Other Payees will need to be modified manually by you.

Can I schedule a payment in advance?

Yes. You can schedule a payment up to one year in advance of the payment due date. Remember to allow five (5) business days in between the scheduled payment date and the payment due date to ensure that the payment is on time.

Can I schedule recurring payments?

A recurring payment is a payment that is due on the same day every month for the same amount. You can have the system pay these payments for you automatically. Specific instructions for entering recurring payments can be found on the SMART Web BillPay online help system under the "Features of the System" section.

Can I place a stop payment on a SMART Web BillPay payment?

Yes, at certain times during the payment scheduling period, but only under the following conditions:

A bill payment is "In Process," starting at the Cutoff Time on the fourth (4th) Business Day prior to the Scheduled Payment Date and continuing up to the Scheduled Payment Date. A bill payment is a "Pending Payment," starting from the time you enter Payment Instructions until the payment is "In Process." A bill payment is considered "Completed" on the Business Day you selected as the Scheduled Payment Date. You may cancel or edit any Pending Payment (including recurring bill pay payments) by following the directions provided on the SMART Web BillPay system Online Help. There is no charge for canceling or editing a Pending Payment.

Please note: we may not have a reasonable opportunity to act on any stop payment or cancellation order given after a payment is "In Process" and it is not possible to stop or cancel a payment which is "Completed." If you desire to cancel or stop any payment which is "In Process" you must call Customer Care at 1-888-908-7466. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. Stop payment requests sent to us via electronic mail or in any other manner will not reach us in time for us to act on your request. Stop payment requests will be accepted only if we have a reasonable opportunity to act on such a stop payment order. If you call, we may also require you to present your request in writing within fourteen (14) days after you call. The charge for each stop payment order will be the then current charge for such service as defined in the Fee Schedule.

How is the payment sent to my Payee?

There are three possible methods of submitting the payment to your Payee: payments may be made electronically via the Automated Clearing House (ACH), by a check drawn on CheckFree’s account, or by a laser draft drawn on your account. The method of payment depends upon the processing method that can be accommodated by the Payee (e.g., some Payees are unable to accept electronic payments) and as set forth in CheckFree’s operating procedures.

Note: You cannot select the payment method, this is determined systematically at the time of payment processing.

How does the payment post to my Checking Account and appear on my statement?

The payment may be deducted from your Checking Account by two methods: 1.) via an electronic debit through the Automated Clearing House Association (ACH), or 2.) via a draft drawn on your account and processed through the Federal Reserve System (as if you had written a Check drawn on your Checking Account.) The payment deduction method is determined systematically based upon CheckFree’s operating procedures. All bill payments debited from your account will appear on your monthly Statement and under the "History Inquiry" for the Checking Account on the SMART Web system. ACH debits will reflect the name of the Payee (e.g., XYZ Utility Company) as well as the date and amount; however, laser drafts will be reflected on your statement with simply a date and check number this check number can be viewed inside of SMART Web BillPay on the Payment List and is a check number outside of your normal sequence of check numbers. All payments can be viewed with the Payee’s name, payment amount and payment date by reviewing your recent payment history under the electronic Payment List option provided to you as part of the SMART Web BillPay service.

What should I do when my address changes?

In order for us to keep you up-to-date with your financial information, we must have a current address.  This should include a current email address. 

To change your address at Cumorah Credit Union:

Log on to SMART Web and select the Change Address Link.  You will be asked to update and verify your address information.  Your address will be instantly updated to the new change.

or

Mail us a letter at:

Cumorah Credit Union
c/o Address Change
P.O. Box 70060
Las Vegas, NV 89170

or

Stop by a Cumorah Credit Union Branch and speak to a Financial Service Representative.

How do I terminate or discontinue the SMART Web BillPay service?

In the event you wish to discontinue the Service, you must log on to the service and disable it.  You can cancel SMART Web BillPay by clicking the Service Information tab in SMART Web BillPay and selecting Cancel Service at the bottom of the page.