Bill Pay Questions

  1. How do I sign up for the Bill Payment feature on HOMEBankersm?
  2. What is an eBill?
  3. Do I get to choose which accounts the payments are to be processed from?
  4. How do I add or change my Default Bill Pay checking account?
  5. What is the best way to make a GSB loan payment online?
  6. How can I tell if a payment is going to be processed electronically or by paper check?
  7. Where can I find the details of my payments?
  8. When will my GSB checking account be debited for the payment?

  9. I am unable to update a mailing address for one of my payees.

  10. What are the Bill Pay dollar limits?
  11. Can I pay anyone with Bill Pay?
  12. What date should I choose as the "Send On" date?
  13. When do bill payments get processed?

  14. How many days does it take for the payment to be received by the payee?

  15. I chose my payee from the payee list, but the address that HOMEBanker supplied is different that the actual address on my bill
  16. Where can I find my bill pay history?
  17. How can I display history for one specific payee?
  18. How much history is stored in HOMEBanker bill pay?
  19. My payee states that my payment was not received. What do I do now?
  20. What if I need proof of payment for a payment?
  21. What if I need proof of payment for a payment prior to 24 months?
  22. My payment was late. What do I do now?
  23. Under REPORTS, what does 'Order CD' mean?
  24. When does this CD become available?

Bill Pay Answers

1. How do I sign up for the Bill Payment feature on HOMEBankersm?

When registering for HOMEBanker you will be asked if you would also like to enroll for Bill Pay. If you opt out during the registration process, you can always register by clicking on the Bill Pay icon while in HOMEBanker. Complete the onscreen form. You will receive a confirmation email when Bill Pay is ready for use.

2. What is an eBill?
An eBill is an electronic version of your bill that you receive within HOMEBanker. Your payee submits your bill directly to us where you can view the bill through HOMEBanker and, if desired, pay the bill electronically online. You can use this method and still keep receiving paper statements or you can cancel paper statements and keep this as your only way of paying bills

3. Do I get to choose which account the payments are to be processed from?
When enrolling for Bill Pay, you may select a Default Bill Pay checking account. You can then add more accounts or change accounts after enrollment by updating your Profile with the Bill Pay section of HOMEBanker.

4. How do I add or change my Default Bill Pay checking account?
You can add more accounts or change accounts after enrollment by updating your Profile with the Bill Pay section of HOMEBanker. Click on ADD FUNDING ACCOUNT, complete the onscreen form. You must complete the form in full, including the number of the bank and ABA / routing number. (Currently, you can only make Bill Payments from GSB accounts.) You will receive a confirmation email once the account is ready for use.

5. What is the best way to make a GSB loan payment online?
Schedule a transfer between GSB accounts, instead of scheduling a bill payment. Your transfer can be a recurring transfer on a monthly basis, or a one time transfer. You can even make a Principal Only payment. Go to BANKING, under HOMEBanker Options and then click on Transfer, under the Banking Options.

6. How can I tell if a payment is going to be processed electronically or by paper check?
If the payee was found in the payee database when you added the payee, the payment will be sent out electronically. If the payee was entered manually when you added the payee, the payment will be sent out by paper check, and mailed to the payee via regular US Mail. You will also see an expected delivery date as soon as you schedule a payment.

     

7. Where can I find the details of my payments?
Click on the Report link. The default report displays the Current Month report. This report contains all you need to know about a bill payment:

  • Payment Date
  • Payee
  • Amount
  • Status of the Payment
    — Scheduled
    — Sent = Check mailed
    — Completed = Electronic processed and will be received by the payee within 48 hours
    — Cleared = Check payment received by payee and processed, along with date it cleared.
    — Cancelled = Payment stopped by customer
  • Confirmation Number
  • Paid From Account
  • Whether Payment was CHECK (with check number once cleared) or ELECTRONIC
  • Notes (comments the customer can add - these do not go to the payee)


8. When will my GSB checking account be debited for the payment?
Debits for bill payments issued through HOMEBanker will be the same for BOTH electronic payments AND paper checks. You will see the transaction post to your GSB checking account one or two business days after the "Send On" date (i.e., the date that we start the bill pay process).

9. I am unable to update a mailing address for one of my payees.

If you are unable to update the address field of a bill payment, that means the payment has already been verified by our Bill Payment processor and shouldn't be changed by the customer.  It is OK if the address doesn't match what is on your bill or remittance slip.  The address that is stored has already been approved by the payee and is the correct one for GSB customers to use.  We transferred over those payees that you paid during the last 13 months. If your payee is not there, you will need to add it again.

10. What are the Bill Payment dollar limits?

You are limited to no less than $1.00 and no more than $9,999.99 per bill pay transaction and no more than $19,999.99 total per day.

11. Can I pay anyone with Bill Pay?

Sure, you can make one time or recurring payments to anyone you wish. If our bill pay processor does not have an electronic agreement with one of your payees, a paper check will be issued and mailed to them.

There are a couple of exceptions. You should NOT make tax payments, court ordered payments and / or payments to payees outside of the United States.

12. What date should I choose as the "Send On" date?
The easiest way to choose the date is by using the calendar on the 'Make Payments' screen. Click on the calendar, then hover over one of the days and you will be given a 'Deliver By' date. That 'Deliver By' should be no later than the due date on your bill. These dates automatically adjust to the payment method - check or electronic.

If you wish, you can calculate the "Send On" date yourself. For electronic payments, count back 3 business days prior to the due date on your bill. For check payments, count back 5 business days prior to the due date on your bill.

13. When do bill payments get processed?
Payments get processed at 9:30 PM Monday through Friday. You can schedule, cancel and / or edit payments anytime before that time. Payments are not processed on Saturday, Sunday or Federal Holidays, but if you are scheduling your bill payments using the built-in calendar function, that is taken into consideration. Any payment that is scheduled for a Saturday, Sunday or Federal Holiday will be paid the following business day.

14. How many days does it take for the payment to be received by the payee?

HOMEBanker Bill Pay works this way. 

When scheduling a payment, click on the calendar next to the payee you wish to pay.  Hover over one of the days to pick the 'Send On' date and you will be given a ‘Deliver By’ date. That date is calculated 2 business days from the 'Send On' date for Electronic payments and 4 business days from the 'Send On' date for Paper checks (those companies that don't accept an Electronic payment from a 3rd party bill payment processor).   In either case, the funds for the payment are debited from your GSB c/a 2 business days after the Scheduled Payment Date (the date you picked when you scheduled the bill payments)

Payments get processed at 9:30 PM Monday through Friday.  You can schedule, cancel and/or edit payments anytime before that time.  Payments are not processed on Saturday, Sunday or Federal Holidays, but if you are scheduling your bill payments using the built in calendar function, that is taken into consideration.  Any payment that is scheduled for a Saturday, Sunday or Federal Holiday will be paid the following business day.

15. I chose my payee from the payee list, but the address that HOMEBanker supplied is different from the actual address on my bill.
All that matters is that the Payee, Account Number and Zip Code are correct. It could be possible that the Street Address / P.O.Box is different from your bill and that is OK.

16. Where can I find my bill pay history?

Click on the Report link. Here you can create reports on the last 12 months of bill pay activity based on the various criteria.

The default report displays the Current Month report and you can create an unlimited number of new reports from here.

17. How can I display history for one specific payee?

There are a couple of different ways to display history for one particular payee:


From the Reports link, click on Search Records and start a new search, selecting the criteria you desire.

Or click on the Payees link. Your payee list will appear. On the right hand side of the display you will find a link to Payments under the History column. this will display a list of payments specific to that payee.

18. How much history is stored in HOMEBanker bill pay?
HOMEBanker retains all your bill pay history, back to the date you signed up for the product.

19. My payee states that my payment was not received. What do I do now?
Please contact Teleservicing at 847-729-1900. They are available Monday - Friday, 7:00 AM - 7:00 PM, Saturday, 7:00 AM - 1:00 PM. Give them the details of the payment; the payee, the dollar amount and date of service. We will research the payment for you.

20. What if I need proof of payment?
Please contact Teleservicing at 847-729-1900. They are available Monday - Friday, 7:00 AM - 7:00 PM, Saturday, 7:00 AM - 1:00 PM. Give them the details of the payment; the payee, the dollar amount and date of service. We will research the payment for you and get you the proof you need within 48 hours.

21. What if I need proof of payment for a payment prior to 24 months?
GSB now offers the customer the opportunity to order a CD Rom annually that contains copies of all your Bill Images, a Bill Summary and Bill Pay History. You can search thru CD and print a proof of payment when needed.

If you choose not to order the CD Rom, please contact Teleservicing at 847-729-1900. They are available Monday - Friday, 7:00 AM - 7:00 PM, Saturday, 7:00 AM - 1:00 PM. Give them the details of the payment; the payee, the dollar amount and date of service. We will research the payment for you.

22. My payment was late. What do I do now?
GSB guarantees any payments processed through HOMEBanker bill pay as long as all the information you entered was correct and it was scheduled sufficiently prior to its due date. We will credit your GSB checking account up to $50.00 to cover any late fees you may have incurred due to a delayed payment.

23. Under REPORTS, what does 'Order CD' mean?
GSB now offers the customer the opportunity to order a CD Rom annually that contains copies of all your Bill Images, a Bill Summary and Bill Pay HI story. You can search the CD and print a proof of payment when needed.

24. When does this CD become available?
Beginning approximately every November, users will be able to order the CD online, through the Bill Payment feature. Click on Reports, then Order CD. You can then check the status of your order through the Order Status link.