Bill Pay Expedited Payments FAQs

How can I make an Expedited Payment?
Log into Bill Pay and select the payments tab. If a payee is eligible for an Expedited Payment, a date will appear in green in the Deliver By column. Select the button by that date, enter your payment amount, and click submit payments at the top of the page. A Terms and Conditions box will appear, and you are required to agree to the disclosure displayed in this window in order to use the service.  Included in the disclosure is specific Payment Guarantee information for Expedited Payments.

If I added a merchant/payee today, can I immediately make an Expedited Payment?
When you add a merchant/payee, the process of establishing a link from your profile to the merchant database begins immediately. This ensures the payment will be accurately remitted to the merchant. Once the link is established, you can make an Expedited Payment to eligible merchants. In most cases, this link is established within minutes. If it takes a bit longer, you may send a payment to the merchant via Bill Pay’s standard delivery.

May I schedule an Expedited Payment for a future date?
No. Expedited Payments are only valid if the transaction is debited and remitted on that date.

Can I change an Expedited Payment after clicking the submit button?
Unfortunately, no. Because members using Expedited Payments generally are looking for a real-time, immediate payment solution, once you have scheduled the payment, the debit occurs instantly, and the payment is immediately remitted to the merchant.

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Because the debit for Expedited Payments will be combined (e.g. a $100 payment will be debited as a single $107.95 transaction), how will I know the amount remitted to the merchant?
The Bill Pay payment activity tab will split the transaction so you know how much was sent to the merchant vs. the Expedited Payment fee.

What merchants are eligible for Expedited Payments?
Merchants have daily cutoff times throughout the day for posting transactions and payments. Expedited Payments will be available to merchants to whom our Bill Pay provider can route the payment prior to the merchants’ daily posting cutoff time. As a result, merchants who can only accept paper check payments from our Bill Pay provider will not be eligible for Expedited Payments.

Which merchants can accept Expedited Payments?
Many national merchants can accept Expedited Payments. These include American Express, Discover Card, GMAC Mortgage, Kohl's, Dell Financial, Office Depot, and Macy's.

How will I know which merchants are eligible for Expedited Payments?
The Expedited Payments option will only appear for eligible merchants. If a merchant is eligible for an Expedited Payment, a second Deliver By date option will appear. A fee will be displayed next to this second delivery date option. If the second Deliver By date option is today or tomorrow’s date, the payment can be remitted to the merchant the same day.

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How will I know if a merchant’s daily cutoff time has passed?
The Expedited Payments option will only appear when it can be used to deliver a payment faster than Bill Pay’s other payment delivery options. If you attempt to schedule a payment:

If the daily cutoff time for a merchant and for a today payment have both passed, what’s the fastest way for me to remit a payment to a merchant?
The fastest way for the merchant to receive and post the funds is still with an Expedited Payment. Expedited Payments submitted after the merchant cutoff time are still eligible for guaranteed next-day posting. Payments scheduled with today as the send-on date will still take a few days for the merchant to receive, and same-day posting is not guaranteed.

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