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Online Bill Pay FAQs
BILL PAYMENT -
General Information
What can I do through online bill payment?
What type of account do I need for online bill payment?
How do I enroll for online bill payment?
How much does online bill payment cost?
Can I use online bill payment if I live outside the U.S.?
How does online bill payment work for joint account holders?
How much account history is available?
Can I pay bills using my home equity and premier line of credit accounts?
Can I obtain the canceled checks or proof of payment?
How do I know if a payment was received?
What happens if I set up a payment but do not have funds in my account?
Does Associated Bank guarantee online payments scheduled through Online Banking?
What if my payment is not received by the "pay date"?
- Scheduling Payments
What is the difference between "pay date" and "due date"?
How far in advance should I schedule payments?
Can I cancel or edit payments?
Can I set up recurring payments?
If I cancel a payment, how will I know that the payment wasn't processed?
When is the money withdrawn from my account?
When adding a Biller to my biller list, what is "Account Number" referring to?
- Types of Payments
Who can I pay?
What do Billers actually receive?
BILL PAYMENT
- General Information
What can I do through online bill payment?
In addition to the services provided through Online Banking, you will be able to:
 | Schedule automatic payments for recurring bills of the same amount |
| Make payments to several Billers at once |
| Make simple payments for different amounts at different times - like your phone or utility bill |
| Send money to any individual in the U.S. (subject to the limitations in the Online Banking Terms & Conditions) |
| Receive your billing statement and pay your bill within the Bill Pay system (select merchants only) |
| Receive an alert such as a reminder that a scheduled monthly payment is due |
What type of account do I need for online bill payment?
To use bill payment, you will need a personal checking or money market account with Associated Bank. Bill payment is not available from a savings account. If you do not currently have a personal checking or money market account with us, you can apply online.
How do I enroll for online bill payment?
If you currently use Online Banking, simply click the “Bill Pay” section, follow the steps to enroll, and schedule your first payment. See How much does online bill payment cost?
If you have not used our system in the past, the enrollment process can be completed online. To protect your valuable account information, Online Banking uses a unique user ID and password. For security purposes, you select your user ID during the Online Banking enrollment process.
How much does online bill payment cost?
Associated Bank offers FREE unlimited bill payment on all Platinum Advantage, Classic Advantage, Advantage+
and Student Advantage Checking accounts. You may make unlimited* bill payments through this system with no
hidden fees. To enable your account for bill payments, simply click the “Bill Pay” section, follow the steps
to enroll and schedule your first payment.
Can I use online bill payment if I live outside the U.S.?
No, Customers must have a United States mailing address in order to use the Bill Pay system. In addition, payments can only be made to Billers with a United States address.
Please note: You may not make a payment of alimony, child-support, taxes or other governmental fees, or court-directed payments with the Online Banking Service.
If you need assistance becoming an Online Banking member contact our Customer Care Center directly:
Toll-free: 1-800-682-4989
International Phone: 1-262-879-0133
Hours: 24 hours a day, seven days a week
How does online bill payment work for joint account holders?
Each checking account owner may sign up for and use bill payment using the same checking account(s) that payments are made from. Please note, however, that joint account owners having a separate and unique bill payment profile within Online Banking may be assessed a monthly bill payment fee, if applicable. See How much does online bill payment cost?
How much account history is available?
Account history in Online Banking accumulates over time. Account history accumulates to a rolling 27-month history.
Can I pay bills using my home equity and premier line of credit accounts?
Bill payment from home equity, premier lines and certain Associated Bank loan accounts is not allowed at this time. (Note: you can transfer funds to your checking account from your home equity or premier line account to cover your bill payment.)
Can I obtain the canceled checks or proof of payment?
Although you will not automatically receive canceled checks, you will receive an ID number for every payment you schedule. This can be used to track payments in the Payment History section. Proof of payment should also be shown on the next bill you receive from the merchant.
How do I know if a payment was received?
You can verify that a payment was processed by checking the status on your Payment History. A "Paid" status indicates a payment has been sent. You can view up to 27 months of history. In addition, payments should be reflected on the next billing statement you receive from that merchant.
What happens if I set up a payment but do not have funds in my account?
Unless your account has sufficient available funds or is linked to Overdraft
Protection such as an overdraft line of credit or overdraft transfer service
from another deposit account, the payment will follow standard check and ACH
guidelines and will be subject to return for NSF and applicable fees may be
assessed. Visit a banking location to discuss overdraft protection options.
Does Associated Bank guarantee online payments scheduled through Online Banking?
Yes. If a bill payment issue arises, please notify our Customer Care Center via email or through the secure Online Banking Message Center. You may also contact Customer Care at 1-800-682-4989 seven days a week, 24 hours a day.
Click here for complete information.
What if my payment is not received by the “Pay Date”?
If the payment was scheduled online allowing the appropriate delivery time for the Biller, the payment is guaranteed. If a bill payment issue arises, please notify our Customer Care Center via email or through the secure Online Banking Message Center. You may also contact Customer Care at 1-800-682-4989 seven days a week, 24 hours a day.
- Scheduling Payments
What is the difference between “Pay Date” and “Due Date”?
Pay Date refers to the date scheduled by you (the subscriber) that the Biller will receive payment. This will also be the date the funds are withdrawn from your designated account.
Due Date is the date the payment is due to the Biller for e-Bill subscribers that would otherwise appear on the paper billing statement sent to non-subscribers.
How far in advance should I schedule payments?
In general, you should schedule payments at least four (4) business days in advance of the expected Pay Date to allow for the maximum delivery time. Each Biller is assigned a delivery time based on the method they can receive payments, which may vary from one (1) to four (4) business days. As soon as you select a Biller to enter a payment amount, the system verifies the Biller’s delivery time, and then will display a Payment Assistant in the right column. Payment Assistant translates all the Biller’s information into an easy to use calendar with the first available pay date highlighted. Dates such as holidays and weekends will be unavailable to select as a pay date.
Can I cancel or edit payments?
Yes, as long as the request is received while the payment status is Pending. Similar to delivery time, processing time may vary by Biller, but the standard cutoff time is noon CST after which the payment status will change to Processing. Once the payment status changes from Pending to Processing, the payment can no longer be edited or canceled. If we do not receive your complete and accurate instruction canceling or editing a bill payment prior to such times, we will process the transaction. This applies to a recurring or a one-time transaction.
Can I set up recurring payments?
Yes. For recurring expenses like a mortgage loan, you can schedule your payments to be processed automatically by indicating the frequency of the payment.
If I cancel a payment, how will I know that the payment wasn't processed?
The payment will no longer appear on your "Pending Payments" screen and it will have a status of “Canceled” in your "Payment History".
When is the money withdrawn from my account?
The money will be withdrawn from the account on the “pay date” selected when the payment was scheduled.
When adding a Biller using “Add a Bill,” what is "Account Number” referring to?
"Account Number" refers to your account number with the Biller, typically shown on your billing statement, not your Associated Checking account number.
- Types of Payments
Who can I pay?
Payments can only be made to Payee (“Billers”) with a United States address. You may not make a payment of alimony, child-support, taxes or other governmental fees, or court-directed payments with the Online Banking Service.
What do payees (“Billers”) actually receive?
Electronic Billers receive payment information in an electronic format that automatically updates their accounts receivable systems. Non-electronic Billers (smaller merchants or individuals unable to receive electronic payments) receive a laser-printed paper or corporate check sent through the U.S. Postal Service.
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