CEFCU Bill Pay

With CEFCU Bill Pay, you can pay bills from home — or anywhere you have Internet access — 24/7.

Benefits

  • Pay monthly bills.
  • Make one-time payments.
  • Set up recurring payments.
  • Schedule payments up to a year in advance.
  • Review and track payment history.

Plus, you can schedule an Expedited Payment, which will post the same day and help you avoid late fees,* penalties, or interruption of service. For more information, see the Expedited Payments FAQs or contact CEFCU.

CEFCU Bill Pay is FREE for any month you make a purchase with your CEFCU Debit Card. It's easy to start paying your bills online. Just log in to Online Banking, click the Payments tab, then click Enroll. If you haven't signed up for Online Banking, sign up today!

*In accordance with our online payment guarantee. You will not have to pay late fees for a properly scheduled payment. Fees may apply for Expedited Payments.

Bill Pay FAQs

How do I sign up for CEFCU Bill Pay?

To access CEFCU Bill Pay, log in to CEFCU On-Line®, click the Payments tab, then click Enroll. If you haven't signed up for Online Banking, sign up today!

How do I access CEFCU Bill Pay?

You can access Bill Pay once you log in to CEFCU On-Line by clicking on the Payments tab. If you are not a CEFCU On-Line user, please enroll to access Bill Pay.

What is the fee for CEFCU Bill Pay?

Your first three months are FREE. After that, there is a monthly fee of $6.00 for your use of Bill Pay. The monthly fee will start with the fourth full calendar month beginning after you first activate Bill Pay and will be debited from your Checking on the fifth business day of the fifth full calendar month after you first activate Bill Pay service, for your use of Bill Pay service during the immediately preceding calendar month. Thereafter, the fee will continue to be debited from your Checking on the fifth business day of each calendar month for your use of the Bill Pay service during the immediately preceding calendar month, until you notify CEFCU that you will discontinue Bill Pay.

You may avoid the monthly Bill Pay fee for any calendar month in which you used your CEFCU Debit Card to pay for a purchase or in which you maintained a minimum average daily balance of $50,000 based on (i) the combined average daily balance in all of your CEFCU share and loan accounts under the same account number for which the Bill Pay service is applicable, and (ii) the market value of your investment accounts (excluding individual stocks and bonds) with CEFCU Financial Services, Inc.® (CFS) at the end of the last day of that calendar month plus the insurance premiums paid to CFS prorated monthly over the premium period (excluding mechanical breakdown insurance).

Who can I pay through this service?

You can make payments to any individual or business excluding:

  • Tax entities
  • Collection agencies
  • Court-ordered payments such as alimony, child support, speeding tickets, etc.
  • Payees outside the United States.

When are payments actually made?

Payments made prior to Midnight Central Time are processed the next business day. In many cases, payments are transferred electronically to the payee within two business days. However, some merchants and professionals are not set up to accept electronic payments. In these cases, a check will be sent, which should be received by the merchant within five business days. The earliest Delivery By date can be found by checking the deliver by box. To change the Deliver By date, either click on the calendar icon or simply enter a new date.

What accounts are payments made from?

Payments are made from (debited from) your primary Checking account.

What happens if I have insufficient funds in my primary Checking account to cover a payment?

CEFCU Bill Pay will confirm a "today" transaction and debit your Checking account only if you have sufficient funds in your Checking account to cover it. Future-dated transactions are stored by the system, but the funds are not debited from your Checking account until the scheduled transaction date. If a payment fails due to insufficient funds in your Checking account on the scheduled transaction date, you will receive an email from the Bill Pay service, and this service will automatically attempt to retry the payment on the next day. If the payment is successful on the next business day, no notification is sent to you. If the payment fails on the retry, you will receive another email from the Bill Pay service, and a CEFCU Member Service Representative will attempt to contact you by phone and/or a notice will be sent to you.

What if my payment is late, and I incur finance charges by the payee?

If you have chosen a delivery date prior to the payment due date, entered the correct payee account number and address, and the payment is still late, CEFCU will take the responsibility. On the other hand, if you did not schedule the payment as directed, then you will be responsible for any late fees.

If there is either a delay in the payment process or a failure of the payment process to cover the payment transaction on the scheduled transaction date due to insufficient funds in your Checking account, you will be responsible for any late fees. Please be particularly aware of mortgage due dates and Federal Reserve bank holidays when payments are not processed.

How do I set up Payees?

First, find your recent bills and make a note of each account number and the payee's billing address and telephone number. Then proceed with the following steps:

  1. Click the Payees link (under the Payments tab in the navigation bar) to access the Payees screen.
  2. Click the Add Payee link to open the Add Payee screen.
  3. You will be presented with the option to add one of one of three Payees or merchant types. Choose the option that best fits the description of the Payee you wish to add by clicking the button next to that Payee type.
    • Frequently Paid Businesses
      1. When selecting this option, you will have the ability to choose from a drop-down list of frequently paid businesses. Click Continue.
      2. You will be prompted to supply additional information on the Payee including Payee Nickname and Account Number. Certain Payees may require a full mailing address.
      3. Click Submit button.
      4. You have the option to create a new payment with the Payee, add another Payee, or view your list of Payees.
    • Another Business
      1. If the Payee you wish to add is a business and is not listed as a Frequently Paid Business, select Another Business and click Continue.
      2. You will be prompted to supply additional information on the Payee including Payee Nickname, Account Number, and full mailing address.
      3. Click Submit.
      4. You have the option to create a new payment with the Payee, add another Payee, or view your list of Payees.
    • An Individual
      1. If the Payee you wish to add is an individual, select An Individual and click Continue.
      2. You will be prompted to supply additional information on the Payee including Payee Nickname, Account Number, and full mailing address.
      3. If you would prefer to make a payment directly to the individual's account rather than sending a payment to the mailing address, click Try it now. You will be prompted to enter the Financial Institution Name, Account Number and Routing/Transit Number.
      4. Click Submit and note the reference number that appears on the screen; it is your record the request has been received.
      5. You have the option to create a new payment with the Payee, add another Payee, or view your list of Payees.

Who should I call if I wish to discontinue CEFCU Bill Pay service?

Please contact CEFCU.

Who should I contact if I have an inquiry about a payment transaction or other questions about CEFCU Bill Pay?

Please contact CEFCU.

What is an unclaimed payment?

An unclaimed payment is a check payment that is correctly sent to a payee, but is never cashed. Payments may be unclaimed if you submit an online bill payment to an individual or merchant who mistakenly does not cash the check.

Is there a way I can see a copy of any paper checks sent to payees?

You can view images of paper check payments. When the check has cleared the payee’s financial institution, click the link in your Bill Pay history to view a check image free of charge.

 

What happens if my payment recipient receives a paper check and doesn't cash or deposit it?

CEFCU will notify you by mail of any unclaimed payment, and the payment will be refunded to you. You will need to contact the payee directly to resolve the issue.

What system requirements are there for accessing CEFCU Bill Pay?

You will need a computer with Internet access and a web browser with encryption capabilities. Some older browsers do not have this capability. We recommend the following browsers.

Bill Pay Recommended Browsers
  • Windows
    • Microsoft Internet Explorer® 11.x or higher
    • Mozilla Firefox® 24.x or higher
    • Chrome 30.x or higher
    • Opera 17.x or higher
  • Macintosh
    • Safari 7.x or higher
  • iOS
    • Safari iOS5.x or higher

If you are having trouble accessing Bill Pay and are not using one of these browsers, upgrade your browser for free at the browser's website.

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Expedited Payment FAQs

See the Bill Pay Expedited Payment Disclosure for complete terms and conditions.

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.

Because the debit for Expedited Payments will be combined (e.g. a $100 payment will be debited as a single $109.95 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, Ally (previously GMAC), 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.

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:

Before Bill Pay's Noon ET
cutoff time
After Bill Pay's Noon ET
cutoff time
Before the merchant's daily cutoff time Expedited Payment option IS displayed, you can choose between:
  • One-business-day delivery for free, or
  • Same-day delivery for a fee.
Expedited Payment option IS displayed, you can choose between:
  • Two-business-day delivery for free, or
  • Same-day delivery for a fee.
After the merchant's daily cutoff time Expedited Payment option is NOT displayed, you can initiate a payment with:
  • One-business-day delivery for free.
Expedited Payment option IS displayed. The member can choose between:
  • Two-business-day delivery for free, or
  • One-business-day delivery for a fee.

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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eBills FAQs

What are eBills?

eBills are electronic summaries of your paper bills displayed in CEFCU Bill Pay. They are available for many popular payees.

How do I access eBills?

To access your bills, you will need to provide credentials for each of the bills you would like to receive electronically. The credentials may include User ID, Password, and security questions you would use to access your account on the biller's website. This information is stored in a secure area and data is encrypted to ensure your privacy. Only you are able to access, view, and change key account information. To determine if your payees are eligible for eBills, click on the Payees tab. You also can view eligibility on the Payment Center. If your payees are eligible for eBills, you will see a link to Enroll in the eBills column.

What do I have to do to sign up for eBills?

To enroll in eBills,

  • Click Enroll next to your Payee.
  • Enter the credentials, such as a user ID or password, you would use to access your accounts on the Payee's website, and click Continue. The credentials are used to verify account ownership and to obtain the latest bill information.
  • Read the Terms and Conditions of the eBill service. If you accept the Terms and Conditions, click the check box and click Continue. You may have to wait up to 3 minutes for your account information to be retrieved.
  • If your payee's website requires you answer security questions in order to log in, you will be presented with those questions. Answer the questions and click Continue.
  • If you have more than one account with the payee, select the account for which you wish to receive eBills. You can only receive eBills for one account per payee.
  • Select the type of account in the drop-down box and click Submit.
  • Your request to enroll your eBill is complete. In most cases, your eBill will be available in two to four days. In the event your eBill cannot be added immediately, your eBill enrollment status on the Payment Center will show as Pending.

Is it possible to view my eBills?

To view your most recent unpaid eBills, click the Payment Center tab. In the Pay Multiple Bills view, click the View link next to the payee whose eBill you wish to view. In the Pay A Bill view, select a payee from the drop-down box, then click the View link. An eBill Summary window will open and display the due date, minimum amount due, and unpaid balance.

How do I pay eBills?

You can pay an eBill by selecting from one of the options listed below the Summary and clicking Continue. If you have paid your eBill outside of CEFCU Bill Pay, such as with cash or check, you can File your eBill so it does not show in Bill Pay as Unpaid. To view the full details of your eBill, click the View eBill Details button, which will link you to the payee's Web site. You will have to log in to review your full bill details. Once you have paid or filed your eBill, you will no longer see a bill displayed in the Payment Center. To view this bill or others you have paid in previous months, go to the eBills page.

Is it possible to see a history of the eBills I have paid?

To view your current and past eBills, click the eBills tab, which is divided into:

  • Unpaid eBills: Current eBills and any not paid or filed through Bill Pay are displayed in this section. You can pay your bill, file it, or view additional eBill details.
  • Paid eBills: Paid or filed eBills are displayed in here. You can view up to 13 months of eBill history.
  • Payees Eligible for eBills: Payees eligible for eBills, but you have not enrolled in yet, will be displayed in this section.

Once I have used eBills, can I cancel the service?

If you do not wish to continue with the eBills service, you will need to unenroll using the following steps:

  • Click the Payees tab.
  • Click Payee Name. You will be taken to the Payee Details page.
  • In the eBill Summary section, click Unenroll eBill.
  • Click Continue to confirm the unenrollment.
  • Your payee is now unenrolled from eBills.

If you would like to unenroll multiple payees from eBills, repeat this process for each payee. Canceling an eBill doesn't delete the payee.

Is there an additional fee for this service?

No. The eBill service is an enhancement included with CEFCU Bill Pay.

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Bill Pay Knowledge-Based Authentication FAQs

Why am I being asked extra questions in order to make a payment?

Some Online Banking activities have a certain amount of risk. For example, the ability to make payments from your accounts is a useful feature, but it could also allow a fraudster who has stolen your user ID and password to steal money from your account. To help safeguard your account, the system will occasionally ask you to verify you are the actual accountholder before you can proceed with your transaction.

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How do I verify my identity?

The screen will display challenge questions based on information from public databases. The questions are designed so you should know the answers, but a fraudster won't. Choose the correct answer for each question, then click Submit.

In some cases, you may be asked a second set of questions. If additional questions are displayed, select the correct answer for each question, then click Submit.

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How do I know if I’m being challenged and have to answer questions?

The screen will display challenge questions based on info from public databases (see above). In addition, you will receive alerts within Bill Pay and by email. Emails are sent to the primary email address on file. The alerts serve as a protective measure to ensure you made the bill payment being challenged. If you did not, please contact CEFCU.

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What if I don't know the answers to the challenge questions?

If you don't know the answers to the challenge questions, please contact CEFCU.

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