Signing Up

To sign up for the SMART Web BillPay service you must be a member of Cumorah Credit Union, have a Cumorah Checking account and be signed up for SMART Web.

Signing up for the SMART Web BillPay service is a simple 2-step process:

First, you must fill out the enrollment form. You can do this by clicking on the Sign Up for SMART Web BillPay Link inside of SMART Web.

If you are already a member of Cumorah Credit Union and are not signed up for SMART Web, you will need to first sign up for SMART Web. You must come in and have a Financial Service Representative sign you up to access SMART Web. Just come in to any one of our convenient locations and sign our SMART Security Code disclosure and a Financial Service Representative will enable your account.

If you are already signed up for SMART Web, and want to access the SMART Web BillPay service, simply log on to SMART Web and then click on the Sign Up  link on the Account Summary page. You will be asked for your email address.  Once your email address is confirmed and your account is set up, you will see a Pay Bills link on the Account Summary page.  

Second, you will need to access SMART Web BillPay for the first time.  After you have completed the Sign Up process you will see a Pay Bills link on the Account Summary page.  Click the Pay Bills link to begin paying your bills.  The first time you access the SMART Web BillPay site, you will be asked to verify your email address one more time and to agree to the Terms of Service.  Once you have completed the first logon you will no longer see any sign up information and you will be able to begin paying your bills each time you log on.

Setting Up Payees

A little preliminary work needs to be completed before you can begin paying your bills. You must first set up the payees that you will be paying. Here is a list of steps and suggestions to get you started:

1. Find a copy of your last month's or this month's bill that includes the mailing address of the payee, the phone number of the payee, and your account number with the payee for each payee that you wish to pay with the service.
2. Sort the bills based on how frequently you pay them. For example, a bill like a mortgage payment that is always due on the first of the month for the same amount can form one stack, and a bill like your power bill that is due on the 10^th of each month for varying amounts can form a second stack. You can choose to categorize your bill based on any criteria you wish.
3. Next, verify that none of the bills are due within the next (5) five days. It takes (5) five business days to process a bill payment that you submit. You should allow a little extra time for processing with this first round of bill payments.
4. Select Payees from the SMART Web BillPay menu. Next, select Add Payee from the menu. The Add Payee form allows you to add Payees to your list of Payees. You can add Payees in a couple of ways. If the Payee has been pre-defined with BillPay, you can add them to your list of Payees by selecting their name from the list of available Payees. If the Payee has not been pre-defined, you will need to enter the name, address, and account number information for the payee.
5. Pre-defined Payees also require an account number and description. Some Pre-defined Payees also have the capability of sending out E-bills. E-bills are paperless bills that are received, read, and paid right over the SMART Web BillPay service. If the Pre-defined Payee has an E-Bill logo by its name, it can send E-bills. You will have the option of enabling or disabling E-bills for a specific Payee.
6. You also have the opportunity to categorize your Payees at the time you create them. You can choose to categorize them any way you wish. As a suggestion you may want to categorize them based on when the payments are due or the frequency that the bill must be paid.
7. Once you have all of your Payees established you should select View Payees from the menu to verify that your Payees are correct.

Paying Bills

Paying Bills with SMART Web BillPay is very similar to paying bills from your checking account. Here are some quick steps for paying a bill:

1. When you receive the bill from the Payee, verify that you have entered the Payee in your Payee list, if not, got to the Payee section and enter the Payee.
2. Check the date that the payment is due. Make sure that it is at least (5) five days in advance.
3. Select Pay Bills from the menu.
4. You will see a form that resembles a check with your name and address in the upper left-hand corner. The date in the right hand corner is the first available date that a payment can be received by a Payee. This date takes into account the (5) five day processing window that is required to get the payment to the Payee. You should set this date to the due date on your bill. You cannot set this date to anything less than the date that it defaults to.
5. Specify which Payee you wish to pay from your list of Payees by selecting the Payee from the list.
6. Enter the amount due that is shown on your bill.
7. The Pay field allows you to specify how often you would like this bill to be paid. You should only specify a Payment Frequency if you want the bill to be paid automatically each month for the same dollar amount. A mortgage payment, for example, can be set up to pay the same amount each month on the 1^st of the month. Payees that have varying payment amounts should be set with a payment frequency of once.
8. Once you have entered in all of the correct information for the bill, press the Pay Bill button. You will be asked to confirm the amount and payment date. To do so, press the Yes button. A confirmation of the Payee, dollar amount, and payment date will be displayed along with a confirmation number. You should take note of the confirmation number as it will be the number you will need to use if you have questions concerning a payment.
9. To see the status of payments you can view the Payment List by selecting Payment List from the menu. The payment list is a comprehensive list of all bill payment transactions entered through the service.

Getting Help

Online Help Manual - SMART Web BillPay contains a comprehensive help system that can be accessed by selecting help from the menu. We suggest that you read the entire online help manual before using the service, this will prove very valuable as you begin paying your bills

Context Sensitive Help - There is also context sensitive help, or help for each step in the bill payment process. If you see a you can click it and it will take you to the help page for the specific area that you are in.

Technical or General Questions - You can also get help on specific technical problems or general non-specific payment problems by sending a message to Customer Care. You can do this by selecting Customer Care from the main menu and choosing to Send Message. You should not use this feature for questions on specific payments.

Payment Questions - If you have a specific payment question you should go to the Payment List and locate the payment in question. You should then click on the Inquire link next to the payment. This way, all of the specific information required for the research of the issue will be automatically included in the message.

Customer Care Line - In some instances it is just easier to talk with someone on the phone. For this reason we have provided a toll free number that you can call and speak with a bill payment representative to discuss bill payment issues. You may need to use this number for stop payments or other transactions that can't be corrected using the email Customer Care support system. You can call Customer Care 24-hours a day 7 days a week at 1-888-904-7466.

Quick Tips

• Quick Pay allows you to pay multiple non-recurring payees from one screen. If you categorize these payees by payment due date you can pay all of the payees due at a certain time of the month in one sitting.
• Enter your bills when you receive them in the mail even if you get them a few weeks before they are due. Just enter the Due Date on the Payment form and let SMART Web take the worry out of getting your bill paid on time.
• Enter bills that have the same amount and due date as recurring payments. By scheduling recurring payments you never have to remember to pay them again.
• Sign up for E-bills. You will receive your bill over the SMART Web BillPay service. This eliminates the paper bill that you receive in the mail and will even allow you to have it automatically paid when it arrives. You can save a copy to your computer for your records as well.
• Do not pay your Cumorah Credit Union loan or VISA payments over SMART Web BillPay. You can make those payments without the (5) five day processing window by performing a transfer from your checking to your loan or VISA over SMART Web.
• Bills will show up in your checking account with the payee as the description or a check with a check number out of your normal sequence. You can verify the payee for a check number by viewing the Payment List in the SMART Web BillPay Bills section. You can view bills that have cleared your Cumorah Checking account by viewing the History for your Checking Account in SMART Web

For more information about SMART Web BillPay see the SMART Web BillPay Frequently Asked Questions on our FAQ Page or click here .