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 payment date?

- Scheduling Payments
What is the difference between "due date" and "process date"?
How far in advance should I set up 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When is the money withdrawn from my account?
What is "delivery time"?
When adding a payee to my Payee List what is "Account Number" referring to?

- Types of Payments
Who can I pay?
What do payees 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 payees 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)
	Review upcoming scheduled payments and make changes or cancel them
	Receive an alert such as a reminder that a scheduled monthly payment is due

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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.

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How do I enroll for online bill payment?
If you currently use Online Banking, you simply have to schedule a 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.

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How much does online bill payment cost?
Associated Bank offers FREE unlimited bill payment on all Advantage, Advantage Plus, Classic and Platinum Circle accounts. You may make unlimited* bill payments through this system with no hidden fees. To enable your account for bill payments, simply set up a payment.

A 90 day free trial is offered on Free Checking and Student Checking accounts. Make unlimited bill payments for 90 days. After 90 days of making your first bill payment, a low $4.95 monthly fee will apply.

*Note: By federal regulation certain types of accounts such as money market are restricted to a certain number of transactions per month and checks per month. Federal regulations require Associated Bank to charge a fee when these maximums are exceeded. If you are using money market accounts to pay bills and have questions about maximum transaction limits please contact Customer Care at 1-800-682-4989 seven days a week, 24 hours a day.

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Can I use online bill payment if I live outside the U.S.?
Yes, online bill payment is available to customers with international addresses. To register for the bill payment feature, simply schedule your first payment.

Please note: Payments can only be made to payees 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.

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: Seven days a week, 24 hours a day

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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 each owner with a unique bill payment user ID may be assessed a monthly bill payment fee if applicable. See How much does online bill payment cost?

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How much account history is available?
Account history in Online Banking accumulates over time. Account history accumulates to a rolling 27-month history.

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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.)

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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.

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How do I know if a payment was received?
You can verify that a payment was processed by checking your Payment History. A "Processed" status indicates a payment has been sent. You can view up to 13 months of history. In addition, payments should be reflected on the next bill you receive from that merchant.

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What happens if I set up a payment but do not have funds in my account?
Unless your account has sufficient funds or is linked to Check Credit Overdraft Protection, the payment will fail. Visit a banking location to discuss overdraft protection options. (Please Note: Credit Card Reserve Line Overdraft Protection will not be utilized for online transfers or payments). Associated Bank will attempt to process the payment for three consecutive business days. If on the third day, there still aren't enough funds in the account, the payment will not be made.

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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.
(Requires Adobe Acrobat Reader.)

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What if my payment is not received by the payment date?
Most payees process a payment within 10 business days from date of payment mailing. Contact the payee to verify their current payment processing time.

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- Scheduling Payments

What is the difference between "due date" and "process date"?
The "due date" is the estimated day that your payee will receive the payment. The "process date" is the date on which the money will be deducted from your designated account.

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How far in advance should I set up payments?
In general your payment date should be at least five (5) business days from the date you set up a payment. However, the number of days required to make a payment can vary by payee based on the method your payee can receive payments. Each payee in the system is assigned a "delivery time" that tells you specifically for each payee how far in advance to set your payment. The "delivery time" listing is in your payee list under each payee’s name.

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Can I cancel or edit payments?
You may cancel or edit a bill payment prior to 8:00 P.M., Central Standard Time, on the day prior to the processing date. 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.

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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.

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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 “cancelled” in your "Payment History

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When is the money withdrawn from my account?
The money is withdrawn from your account on the scheduled processing date. This is usually two to five (2 to 5) business days before the actual payment date of your bill. Please refer to the number of days it will take for the payment to be processed. You will find this under the payee name on the "Manage Payees" page.

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What is "delivery time"?
It is the estimated number of days that it takes for a payee to receive the payment. This period will vary depending on whether your payee is paid electronically or by paper check.

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When adding a payee to my Payee List what is "Account Number” referring to?
"Account Number" refers to your account number with the payee, not your Associated Checking Account Number.

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- Types of Payments

Who can I pay?
Payments can only be made to payees 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.

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What do payees actually receive?
Electronic payees receive payment information in an electronic format that automatically updates their accounts payable systems. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

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