Bill Pay

Get started today!

If you already use Online Banking, follow the steps below to Enroll in Bill Pay:

  1. From the Homepage log in to Online Banking, go to Services and select Bill Pay.
  2. Select the account you want to enroll, then select Enroll in Bill Pay.
  3. Review and Accept the Bill Pay Agreement to complete your enrollment.
  4. Select Continue to Bill Pay from the success message, and the Bill Pay page should appear.
  5. Follow the directions to start using Bill Pay.

Continue to Homepage

If you are not enrolled in Online Banking, go to the Online Banking Enrollment Page and fill in the required information.

Pay 2, Get $25

Sign up for Bill Pay, pay two bills, and get $25.

Get Details

Bill Pay is convenient, secure, and lets you:

  • 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, CEFCU Bill Pay is FREE any month you make a purchase with your CEFCU Debit MasterCard®.*


  • Why doesn’t the payment debit my account immediately?

    Bill payments will debit your primary Checking account after 3 p.m. (CT) Monday to Friday on the process date. You will see the transaction on your primary Checking account history later that evening.

  • How will the payment look on my account?

    You will see a payment to your primary Checking account listed with the name of the payee.

  • Why am I receiving a “Bill Pay Error” where the payment information provided matches an existing payment?

    Any payment to the same payee of the same amount within 14 business days displays this error. If you access the advanced Bill Pay site (under Services), you will have an option to allow for the duplicate payment to be processed.

  • Why are there two Bill Pay options?

    The option available under Transactions is a quick payment option that works well for payments to one or two payees at a given time.

    The option available under Services is a more advanced Bill Pay that will open a new window and allows full access to Bill Pay.

  • When will the funds debit my account?

    Bill payments will debit your primary checking account after 3 p.m. (CT) Monday to Friday on the process date. You may cancel scheduled payments before 3 p.m. (CT) on the payment process day.

  • Can I receive alerts on Bill Payments?

    Yes. Log in to Online Banking, select Services and Bill Pay, then select My Account. Find Bill Pay Alerts and select View Alerts. From here you can check boxes for the alerts you would like to receive. Then click Update to save.

  • What is the payment date?

    It is the date when the payment should be received by the individual or merchant you are paying.

  • What is the process date?

    The process date is the day when the payment will be sent to the individual or merchant you are paying. This is also the date when the funds will be deducted from your primary CEFCU Checking account.

  • Why do my payee nicknames not appear on my account statement?

    The payee nickname was designed for quick identification inside Bill Pay. The name that appears on your official account statement is the actual name of the payee.

  • What is GiftPay?

    This is a secure way to send a gift or donation to a recipient of your choice. Gifts are designed for birthdays, new babies, weddings, graduations, anniversaries, or just because. The Donations option is a way to send a donation to your favorite charity or organization in honor or memory of someone special. Personalized messages can be added to either type of GiftPay.

  • What is the Calendar feature?

    This is a quick glance at any payments you have scheduled and on what day they are scheduled to be processed.

*You may avoid the monthly Bill Pay fee for any calendar month in which you used your CEFCU Debit MasterCard 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).

**Fees may apply for Rush Payments.

†The procedure to enroll may vary, depending on your account configuration. You must be able to view PDF files.

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