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