e-Pay Online Bill Payment

e-Pay Online Bill Payment allows you to securely pay your bills using your computer from your CVCU checking account. No need to write out checks or spend money on postage. The number of bills you can pay are unlimited, and e-Pay is FREE to general membership accounts if you make at least one payment a month. (If you sign up for e-Pay and do not use it, you will be charged $2.95/month for each checking account. Business accounts will be assessed a $3.95/ month fee for each checking account regardless of use.) You must have e-Tex home banking access in order to take advantage of e-Pay.

Features of e-Pay

• Schedule multiple payments at one time, even up to one year in advance.
• Set up payments for recurring bills to the phone or electric company.
  
• Make a one time payment to the auto mechanic or insurance company.
  
• Once you set up a bill you wish to be paid, the next time it is just a matter of updating the pay date and entering the new amount.
  
• Review and track your bill payment history.
  

Signing up for e-Pay
Unfortunately, at this time we are unable to sign you up for online bill pay from November 1 to November 9. We encourage you to sign up for online bill pay on our website through online banking after the November 10 conversion to our new CoVantage Online.

Logging into e-Pay
To sign on to e-Pay, click on the e-Pay Account Login button near the top left of our home page. You can also access e-Pay through e-TEX. Once you are logged into e-TEX, click on the e-Pay link at the top of the screen.

Follow the instructions below the first time you sign in, or if you need assistance, please contact our Call Center at 715-627-4336 or 1-800-398-2667.

• User ID: Your User ID is 99021 plus your CoVantage account number (i.e. 99021XXXXXX)
  
  
• Password: The first time you use e-Pay, your password will be set as the last four digits of the social security number of the primary person listed on this account.

Scheduling Payments
The first time you set up bills for payment you should schedule them 10 business days prior to the payment due date. Thereafter, bills should be scheduled 5-7 business days before your bill's actual due date.

Example: If your telephone bill is due on 1/24/2009 you must schedule the debit date of the initial payment before or on 1/10/09. This will allow time for the payment to reach the billing company by the due date. Each payment to that company thereafter would need to be scheduled 5-7 business days in advance. If the next payment is due on 2/24/2009, the debit date would need to be scheduled at the latest on or before 2/15/2009.

After your payment has been scheduled, you will receive a reference number confirming the transaction, which you should record in your checkbook register.

Deducting Payments
We confirm your checking account has sufficient funds to make the payment. We will deduct the payment from your account the business day after the debit date. It is important that you have the funds to cover the bill in your checking on the debit date.

• Payments will be processed Monday through Friday except Federal Reserve and Credit Union holidays. If a payment is scheduled after 4:00am CST, it will be processed the following business day. When the debit date occurs on a holiday or weekend, the date will change to the previous business day and display for you to accept.
  
• Payments will be remitted electronically or by paper check.
  
• You may stop or change scheduled payments on the e-Pay site prior to 4:00am CST, on the account debit date. Thereafter, a stop payment fee ($15.00) will apply.

Funds Availability Policy
If funds are not available in your checking account on the debit date you have chosen, the funds will be transferred from:
• Kwik Cash Loan (if you have one).
• Automatic Savings Transfers (in $25 increments; a $2.50 transfer fee will be assessed); or
• The payment will be considered NSF (A fee of $15.00 will be assessed, plus applicable late fees or penalties from the merchant you are attempting to pay.)

Special Payment Circumstances

• You should not use this service to pay state or federal tax payments, the Department of Transportation/ Department of Motor Vehicles, international payments, alimony/child support payments, or any court-ordered payments.
  
• If you are making an electronic payment to Waste Management use the following guidelines for your account number: If your account number is 999-9999999-9999-9 drop the last five digits and add five leading zeros. Your account number should then be 000009999999999. Using this format will ensure that your payment is processed correctly.

Payee Information

• Payee's addresses must be the same as the address for remittance on your bill.
  
• The addresses listed in the payee Merchant Directory are not your only options for payees. If your payee and remittance address doesn't exist in the Merchant Directory, you should add the payee and remitting address for that payee.
• Correct payee information is essential for fast and timely processing with the payee and the postal office.
  

For a more detailed overview and instructions for e-Pay, click on the User Guide on the e-Pay log on page.

e-Pay supports the following browsers:
• Internet Explorer 5, Internet Explorer 6 SP 1 and SP2
• Netscape 6.5, 7.1, and 7.2
• AOL 8.0 and 9.0
• Safari 1.0 and 1.2

For security reasons browser encryption of 128 bit is required.

Contact Information for problems
If you should experience any problems with our e-Pay Online Bill Payment service please contact our office at 715-627-4336 or 1-800-398-2667. To email us click here.