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EZ Net Bill Pay FAQs


Q: What features are available with Bill Payment & Presentment?
A:
·         Receive, view, manage, and pay bills all on one website
·         Set up email alerts for electronic bill arrivals
·         Schedule automatic payment rules for each biller
·         Review bill history and payment posting information
·         Use multiple funding accounts to pay bills

Q: Is there a fee for Bill Payment and Presentment Services?
A: No. Citizens State Bank Norwood Young America now offers Bill Payment and Presentment for FREE.

Q: How do I register for Bill Payment and Presentment?
A: Once you are an active EZ Net Internet Banking customer, you may register by clicking on Payment Manager within EZ Net Internet Banking.

Q: When can I start using Bill Payment and Presentment?
A: You may begin adding Payees and using Bill Payment and Presentment 2 to 3 business days after registering.

Q: What is the lead-time for processing payments?
A: The payee will be in receipt of your payment within 3 to 5 banking business days for an electronic payee and 5 to 7 banking business days if the payee is paid by check.

Q: How do I find my recurring payments?
A: Click Payments and scroll down to the Pending Payments section to view recurring transactions.

Q: Can I use Bill Payment and Presentment with all my accounts?
A: Yes, multiple funding accounts may be used for payments.

Q: Are Bill Payment transactions reflected as EZ Net Internet banking transactions?
A: All Bill Payment transactions become part of the Online banking transaction history. The transaction is reflected on your account statement.

Q: If I receive an error message while scheduling payments, how can I be sure the payments are actually scheduled?
A: Return to the View Payments screen and verify your payment has been scheduled. From the View Payment screen, you may edit, delete or reschedule your payment(s). Make sure that you are viewing the relevant date range.

Q: What happens if sufficient funds are not available in the account used for bill payment?
A: If a non-sufficient fund (NSF) condition exists, the debit will be returned via normal banking channels. The return will prompt the system to block your bill payment account, preventing you from scheduling more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent. You will be charged an NSF fee by Citizens State Bank Norwood Young America.

Q: Can I use Microsoft Money or Quicken to pay bills?
A: No. Bill payment does not support Microsoft Money or Quicken.

Q: Can I use Bill Payment internationally?
A: If you have Internet access with a secure browser, you may pay your bills while out of the country. Payments may only be made to payees within the fifty United States and territories.

Q: When are funds debited from my checking account?
A: Your checking account will be debited within 2 banking business days.

Q: What do payees actually receive?
A: Electronic payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

Q: When may bill payments be scheduled for processing?
A: Bill Payment and Presentment is available for payment scheduling 24/7. Our Bill Payment service provider processes payments on all days excluding Saturdays, Sundays and Federal Reserve Board recognized holidays. If payments are scheduled past the time of the day when new payments can be processed or the recurring payment date is a Saturday, Sunday or holiday, the payment will be scheduled on the next business day.

Q: If I select an erroneous electronic payee and this causes a posting delay and late charge, what is the process and who bears the burden of the late charge?
A: If you select an electronic payee that matches your payment coupon exactly and the Bill Payment processor routes the payment to a different payment center, the Bill Payment processor is responsible for the late charge and will reimburse any payee-imposed late fees up to $50.00. If you select an electronic payee with an address that is different from that indicated on the payment coupon, you are responsible for the late charge. You always have the option to manually set up a payee with the correct address information found on the payment coupon.

Q: How do I close my Bill Payment account?
A: Contact us at 952.467.3000 to close your bill payment account.






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