Bill Pay

What’s Bill Pay?

Bill Pay is a convenient feature in digital banking that lets you pay bills directly from your account. You can set up recurring payments or make one-time payments as needed.

Electronic (ACH) payments debit your account on the due date you select.
Check payments are withdrawn only when the check clears – once the company or person you’re paying deposits it.

Most payments are delivered within 2-4 business days.

Is there a fee to use Bill Pay?

No – Bill Pay is free for eligible Rize Credit Union members and can be accessed anytime through digital banking. Fees do apply for expedited payments or if you request a stop payment. See the current fee schedule for details.

How secure is Bill Pay?

Bill Pay is very secure. It uses SSL technology and 128-bit encryption to protect your information, making it unreadable as it travels online. Payee account numbers are also masked for privacy. With the latest safeguards in place, paying bills through digital banking is a safe and reliable option.

How do I set up recurring payments through Bill Pay?

Log in to digital banking, go to Pay & Transfer, and select Bill Pay. After adding your payee, click Options under their name and choose Auto Payment. From there, you can set the amount and frequency. Be sure to select Save before closing the window.

Can I use Bill Pay with my savings account?

No – Bill Pay can only be linked to a checking account.

How are Bill Pay payments delivered?

Payments are sent in one of two ways:

Electronic payments – Sent directly to the payee if they accept electronic transfers.
Check payments – If the payee doesn’t accept electronic payments, a paper check is mailed on your behalf.

Can I rush or expedite a bill payment?

Yes – you can expedite a payment if it’s scheduled before the daily cutoff time. In most cases, the payment will reach your payee the next business day, either electronically or by overnight check. A fee applies – refer to our service charges for details.

How do I schedule an expedited payment?

To set up an expedited payment:

Find the payee in your list and click the Options link next to their name.
Select the Expedited Payments tab. Available delivery options will display:
- Next-day electronic – Shown if the payment can be sent electronically, and it’s before the cutoff time.
- Overnight check – Available for most payees in the continental U.S. (not to PO boxes).
Enter the payment amount and choose the account to pay from.
- If using the overnight check option, enter the payee’s address again – some billers have a special address for overnight payments.
Click the Make Payment button. A confirmation screen will appear.
Review the details, then click Make Payment again to finalize.

Note: Expedited payments are processed immediately. Once scheduled, they cannot be edited or canceled.

If I have more than one checking account, can I choose which one to pay from?

Yes – when setting up a payee, you can select which checking account you’d like the payment to come from.

What’s the maximum payment amount I can send with Bill Pay?

You can schedule a bill payment for up to $9,999.99.

Can I stop a bill payment after it’s been processed?

Once a payment has been processed, it usually cannot be stopped – especially ACH payments. In that case, you’ll need to request a refund directly from the payee.

For payments made by check, you may be able to place a stop payment if the check hasn’t cleared your account yet. A fee applies – refer to our service charges for details.