myBanking^™ Bill Pay & Popmoney^®

Fast. Easy. Secure.

Our enhanced myBanking^™ Bill Payment solution makes it even easier to make payments to anyone you know or owe! Explore the many new benefits that will help save you time and money.

And, with the introduction of Popmoney^® making Person-to-Person payments couldn’t be easier.

myBanking^™ Bill Pay FAQs

• How is myBanking Bill Pay different than what you offer today?

  myBanking Bill Pay offers new and improved features and functionalities such as:
  • More flexibility in scheduling options
  • Enhanced eBills
  • Payment scheduling options that interact with your eBills
  • Rush payment options
  • Later cutoff times
  • The ability to group “like” biller/payees together
  • Payments scheduled by a “Deliver By” date rather than mail date
  • The ability to schedule payment reminders
  • Payment monitoring
  • Alerts and enhanced fraud monitoring to protect you from unauthorized payments.

• Why am I receiving a message that says Bill Pay is not available?

  If you receive an error message that says “Bill Pay is not available,” please check to make sure we have the most up to date home phone and/or email address on file. You may verify this information by accessing the “Service Center” tab within myBanking. If after verifying your information, you continue to receive an error message, please contact the Member Service Center for assistance.

• What browser do I need to access Bill Pay?

  Bill Pay supports the two most recent versions of the following browsers: Internet Explorer, Firefox and/or Chrome. Your browser must be set to allow cookies for and/or to allow third party cookies. The following URLs needing cookies to be allowed are for Bill Pay andfor Popmoney

• What is the cutoff time for payments?

  Typically the cutoff is at 10:00pm. Some billers have a cutoff time prior to 10:00pm. In most cases, an electronic payment due tomorrow can be scheduled up until 10:00pm tonight.

• Are payments guaranteed?

  Our Bill Pay service will be responsible for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the following guidelines: When scheduling Bill Payments, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller Statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.

• What does “Deliver By” date mean?

  The “Deliver By” date is the date the biller/payee will receive the payment. If the payment is sent electronically, this will also be the date that the funds will be withdrawn from your account. If the payment is sent by check, the funds will be withdrawn from your account when the bill is presented to the Credit Union for payment. When scheduling payments for a “deliver by” date, you may want to add some extra time for the biller/payee to process your payment.

• Why do I have to select a funding account?

  The first time using our new myBanking Bill Pay, you will need to select a funding account when processing a payment for each biller/payee. Once you have selected the funding account, the funding account will be saved for that biller/payee.

• Why do I have to re-enroll in eBills?

  By re-enrolling in our new and improved eBill system, you will have access to new features such as PDF copies of your bill, eBill alerts and new payment options that will allow you to schedule one time and recurring payments based on your eBill each month!

• Why do all of my previous payments show in the history as a check payment?

  Payments from the previous system will be shown as a check payment once we upgrade to our new and improved Bill Pay system. This is simply a display issue only and will only affect payment made prior to the upgrade. Should you need any additional details regarding past payments, you may reference your account statements or contact the Credit Union and we can provide you with additional information.

• Why do some of my previous payments show a date of “Info not Available”?

  Payments from our previous Bill Pay system, which were made six months ago or longer, may have a date of “Info not Available.” This is a display issue only. Should you need any additional details regarding past payments, you may reference your account statements or contact the Credit Union and we can provide you with additional information.

• Why are some payments sent electronically, while others are sent by check?

  The method of payment is determined by the biller/payee. Some biller/payees may also set certain dollar limits to what payments are sent electronically and what payments are sent by check. This means that your payment could be sent electronically, and other times, a payment to that same biller/payee could be sent via check. The system will also send more check payments out initially while it establishes your normal behavior. Since your payment, may be mailed as a check, it is extremely important that you verify the address prior to submitting the payment to ensure the payment gets mailed to the correct address.

• Why can I no longer access Bill Pay through Quicken?

  Bill Pay within Quicken will no longer be available once we upgrade to the new myBanking Bill Pay system. We are still in the process of getting bill pay to connect to Quicken. A communication will be sent once this feature has been enabled.

• Why do I have to accept updated terms and conditions prior to logging into to myBanking?

  Our terms and conditions have been updated to reflect all of the changes that are applicable with the new Bill Pay system. Prior to using our new Bill Pay, you must accept these updated terms and conditions.

• Why can’t I see the memo line in my history for older payments?

  The memo line on payments made on our previous bill pay system will not carry over to the new system. However, going forward, the memo line will be available in your history for any new payments. Should you need to reference the memo line for any past check payments, you can view the memo line on the check image. If you need any assistance for ACH or check payments, please contact the Member Service Center for assistance.

• How are my bills paid?

  myBanking Bill Pay may prepare and mail a check for you or the payment may be sent electronically. The amounts are taken directly from your People’s Credit Union checking account. Simply enter the date you would like your payment to be received and myBanking Bill Pay will take care of getting it there on time.

• What are the methods in which a bill payment may go out?

  Payment methods may include, but may not be limited to, an electronic payment (ACH), an electronic check payment, or a laser draft payment (funds remitted to the biller/payee are deducted from your Payment Account when the laser draft is presented to the People’s Credit Union for payment).

• What happens if I don’t have enough money in my account?

  If you do not have enough money in your account on the “Deliver By” date, the payment will still be sent to the biller/payee and you could receive an insufficient funds charge (as disclosed in our Schedule of Fees.) We will try to collect payment a second time within 24-48 hours. If at that time you still do not have sufficient funds, a second insufficient funds charge may be assessed. At times, we may work with the biller/payee to try and reverse the payment. If the payment cannot be reversed, we will contact you directly to satisfy your outstanding balance. Your access to myBanking Bill Pay may also be restricted for payments resulting in insufficient funds.

• How does the new myBanking Bill Pay system help to protect my account from fraudulent bill payments?

  To help safeguard you against fraud with our enhanced Online Bill Pay, every payment is evaluated to ensure that it is within your normal behavior as well as within the normal behavior for that biller/payee. If we have any questions regarding any of your payments, the payment may be held for 48 hours while we try to contact you for verification. If we are unable to contact you, the payment may be cancelled.

• How can I change the funding account I have set for a specific merchant?

  To choose a different funding account for a specific biller/payee, simply select the new account from the “Pay From” drop down. To change the funding account for recurring payments select the “Accounts” tab and select the “Move Payments” link from the existing funding account. Select the new account from the “Move to this Account” drop down and click the “Move Payments” button.

• Can I cancel a Scheduled Payment?

  You may cancel or edit any Scheduled Payment (including recurring payments) by selecting the “Change” or “Cancel” links within the Pending Payments section of the Bill Pay system. Once the payment has begun processing, it cannot be cancelled or edited; therefore a stop payment request must be submitted.

• Can I pay a person through the myBanking Bill Payment system?

  Yes, check payments can be sent to an individual from within the myBanking Bill Payment system. To send a check payment to an individual, click the “Add a Company or Person” button from within the Payment Center and select the “Person Tab.” You must be able to supply enough information on that person, such as name and full address for them to be created as a biller/payee.

• What if I need to pay a person via ACH?

  If you need to pay an individual via ACH, you may use the Popmoney functionality. (See Popmoney FAQs)

• How can I add a new biller/payee?

  Click the “Add a Company or Person” button from within the Payment Center and select the “Company Tab.” You can either search for the company in the “Search” bar, or you can select the company from the list of major biller/payees. When adding a major biller/payee, the biller/payee information has already been identified by the Bill Pay system, therefore, all you need to do is enter your account information for that major biller/payee. For smaller businesses or local businesses, the biller/payee information may not be readily available; therefore, you may need to enter more information about the business such as mailing address and phone number.

• How can I organize my list of billers/payees?

  To organize your list of biller/payees, select the “Organize my List” link from the Payment Center. This will allow you to group biller/payees together in a way that works for you.

Popmoney^® FAQs

• What is Popmoney?

  You can use Popmoney to pay anyone you know, or owe – it’s the easy way to send money directly from your People’s Credit Union account. Pay your babysitter, landscaper, rent or send money to your kids away at college – it’s safe, secure and all you need is an email address, mobile phone number or account information.

• What is the difference between send money and request money?

  Popmoney’s send money, allows you to pay anyone you know or owe. The request money feature allows you to re quest money from someone who owes you money or needs to pay you.

• What are different ways I can send money to someone?

  You can send money using a recipient's:

  Email address: your recipient will receive an email with instructions on how to direct the payment into his or her Eligible Transaction Account.

  Mobile number: a text message will be sent to the recipient with instructions on how to direct the payment into his or her Eligible Transaction Account. If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent reminding him/her to act on the payment notification.

  Eligible Transaction Account information (routing and account number): money will be directly deposited into your recipient’s Eligible Transaction Account. You will also have the option to send the recipient an email.

• Can I send a transfer to someone who doesn't have a Popmoney account?

  Yes, but they will need to create an account to claim the payment. These recipients will receive an email or text notification instructing them on the next steps to take.

• What if a recipient forgets to claim the transfer?

  Recipients will have 10 days to claim the payment, and they will receive automatic reminders on the 3rd and 7th day. After the 10th day, the payment will be refunded to you and you will need to resubmit the transfer if you so choose.

• How does it work?

  Log into your account through People’s Credit Union myBanking.
  Click on the Pay your Bills Tab.
  Tell us who you want to pay by entering their email address or mobile phone number. (They don’t need to have an existing Popmoney account.)

• How does the recipient receive their money?

  The recipient will get a notification letting them know you have requested to send them money. If they already use Popmoney, then they most likely don’t have to do anything! If their financial institution offers Popmoney, they can deposit payments directly through their online banking site.

  If they are new to Popmoney and Popmoney is not offered by their financial institution, they will need to create an account at Popmoney.com*.

  In as little as 1 to 3 business days, the money will be deposited directly to their bank account.

  Popmoney Terms and Conditions apply.

• When will funds be deducted from my account?

  If you make a payment before 10 p.m. Eastern Time on a business day, the funds will be debited from your account on the delivery day. Standard three day payments scheduled prior to 1:00 a.m. will be deducted the next business day.

• Why do I have limits on my payments?

  For your protection, limits have been created on how much money and how many payments can be sent during various time periods. Limits may vary by user and apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. To view these limits, click the icon next to the Amounts field.

• Can I cancel a payment?

  Yes. You may cancel a payment any time before or on the send date, until the payment has begun processing. Your recipient will be notified if you cancel a payment after a payment notification has been sent. Once the payment has begun to process, you will be able to place a stop payment. Stop payments are subject to a stop payment fee.

• How long will it take to send or receive a transfer?

  Transfers will take 1-3 days to process for standard delivery. Next day delivery is available for an additional charge.

• How secure is Popmoney?

  From the moment information is sent to Popmoney to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used. For every initial payment to a new email address or mobile phone number, a one-time passcode is sent to the user. The user must provide that passcode back to Popmoney to verify his “ownership” of that mobile number or email address before he can deposit the payment.

• How fast can I send and will a recipient receive money with Popmoney

  With Popmoney, a recipient can receive money in as little as one business day. However, in some cases it may take longer. For example, if you send an email or mobile payment and the recipient is not yet registered for Popmoney, he/she must sign up for the service so that we have their account information to deposit their payment. Also, if you exceed your next-day payment limits, then we will deliver payments within three business days. Limits can and will vary and can be checked by clicking the Help icon on the Send Money screen.

• How much does it cost to send money using Popmoney?

  Popmoney	$0.01 - $249.99	$250-$999.99	$1000.00+
  3-day Delivery	$1.00	$1.00	$1.00
  Next Day Delivery	$3.00	$3.00	$3.00

• How much does it cost to request money using Popmoney?

  Popmoney	$0.01 - $249.99	$250-$999.99	$1000.00+
  Payment Request	$1.00	$1.00	$1.00