Bill Pay FAQ's

How do I enroll?
You must use Online Banking in order to enroll for Bill Pay. After signing into Online Banking, click on the Bill Pay tab and follow the on screen directions. To enroll for Online Banking, visit one of our convenient branch locations, call us at 1-800-303-9511, or access the enrollment form at our online banking login.

What type of account do I need?
All Skowhegan Savings Bank checking accounts are eligible for Bill Pay.

What is the cost?
Bill Pay is free with unlimited use for the first 12 months. After the 12 months, there is a $.65/each fee after 10 bills.

Who can I pay through Online Bill Payment?
You can pay anyone in the United States, both individuals and companies. Payments will be issued electronically or via a check depending on the recipient.

Are there any merchants that I cannot pay through the Bill Payment service?
No. Any merchant that is in the electronic payee database can be paid electronically. If a merchant is not listed you may send the payment as a check.

When are the payments processed?
Electronic payments are processed twice daily on business days: 3:00 AM EST and 1:00 PM EST. Check payments are processed once daily.

When will the money be taken out of my account?

• For an ELECTRONIC PAYMENT requested before 1:00 PM EST, the funds are debited the same day. Payments submitted after 1:00 PM EST are debited the next day.
• CHECK payment funds are debited from the account when the check clears your account at the bank.

What if I do not have enough money in my account?
ELECTRONIC payments will be rejected if the funds are not available during processing. Subsequent Bill Pay cycles will attempt to process the payment until the funds are available.

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

How far in advance should I set up a payment to ensure it is paid on time?

• For an ELECTRONIC PAYMENT, allow 3 business days from the payment date.
• For a CHECK PAYMENT, the check will be mailed* the next business day, unless it is submitted before 3:00 AM EST. Allow 5 to 7 business days for a check payment.

*Please note that we have no control over the U.S. Postal Service.

Are there minimum and maximum payment amounts?
Electronic payments are validated against the available account balance prior to processing and check payments settle against your account like any other check; therefore, there is no dollar limitation on payments made through Bill Pay. You are limited only by the amount of funds in your account.

How long is Bill Pay history available?
Payment history is retained and viewable for 19 months.

Can I stop payment on a bill payment?
Only CHECK payments can be stopped after the check is printed and mailed. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

What happens if I have a scheduled payment that falls over a weekend or holiday?
If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the business day PRIOR to the holiday or weekend.

Can I get a copy of a cancelled check?
Yes. Bill Pay checks will clear your account just as a normal check would. Images of the checks may be viewed and printed through Account Transaction History.

What do the status fields indicate on the Payment History Page?

• Processed - The payment has been processed and sent.
• Rejected NSF - The payment that you have tried sending has rejected due to Non-Sufficient Funds. NSF payments will keep trying until one of the following happens: the funds become available, it’s a recurring payment and it expires, or you delete the payment.
• Communication Failure - There was an error due to communication problems. The payment will try again during the next processing run.
• Vendor Refund - Payment rejected by the electronic vendor.

How late in the day can I enter, edit, or delete a payment?
Payments may be added 24 hours a day. Payments may be edited or deleted prior to its processing cycle (either 3:00 AM EST or 1:00 PM EST) depending on the time it was requested.

Should you have any other questions or concerns regarding Skowhegan Savings Bill Payment Service, please do not hesitate to contact us at 1-800-303-9511.