Q. How do I enroll for MyBillPay?
It’s easy! Just log into Online Account Access, click the MyBillPay tab at the top of the page, and follow the steps to enroll your checking account.
Q. How secure is MyBillPay?
MyBillPay is fully secure. It is recommended by security experts to help protect against check fraud and identity theft. We use multiple layers of online security to protect member information.
Q. Do I have to be enrolled in Online Account Access to use MyBillPay?
Yes. All members must be enrolled for Online Account Access before they can sign up for MyBillPay. You may enroll online or call us at 563-355-0152 or (800) 426-5241 ext. 0 to set up your Online Account Access.
Q. Is MyBillPay available on the MyMobile app?
You can review, change or cancel a payment through Ascentra’s MyMobile App for Apple iPhone, iPad and Android smartphones and tablets. Adding new billers must be done through a computer of browser inside Online Account Access. You can also use the peer to peer payment service Popmoney with MyMobile.
Q. How much does MyBillPay cost?
MyBillPay is a FREE service for our members. Overnight payments sent as a check have a fee of $14.95 with a cutoff time of 3:00 p.m. central standard time. Same Day payments sent electronically have a fee of $9.95 with a cutoff time of 4:00 p.m. central standard time. PopMoney (the peer to peer payment service of MyBillPay) has a $1.00 fee for all transactions. Account to Account Transfers charge a $1.00 fee for both inbound and outbound transactions.
Q. To whom can I make payments?
You can make payments to virtually anyone, even an individual like a babysitter. Exceptions include:
- Tax payments
- Court ordered payments
- Payments to payees outside the United States
- Payments to other institutions for the purpose of making a deposit
Q. What kinds of bill payments are available?
One-time payment – The payment date you specify is the date the payment will be received by the merchant, as well as the date the funds are withdrawn from your account.
Automatic or recurring payment – Occurs at your specified frequency as many times as you indicate. What is a recurring payment?
Recurring payments are automatic payments of the same amount. You do not have to re-enter a new payment each month.
These payments can be scheduled for one of several frequencies:
Weekly, every 2 weeks, every 4 weeks, monthly, twice a month, every 2 months, every 3 months, every 6 months or annually.
Q. How far in advance can I schedule a payment?
Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any time period in the future, including indefinitely.
Q. How are merchant payments sent?
They are sent electronically to merchants that accept electronic payments. For merchants who don’t accept electronic payments MyBillPay will print and mail a check.
Q. Can a merchant issue my bill electronically through MyBillPay?
Yes, electronic billing is available only with the merchants that offer that service. If the merchant is eligible, it is indicated by an “EBILL” icon next to the merchant on the payment center (main) page.
Q. Can I cancel or change a scheduled payment?
You can review, change or cancel a payment at any time before it is processed. Payments may be processed up to 5 days in advance of the payment due date entered by the user. The system displays an error message if you attempt to modify a payment after it has been processed.
Q. Can I send or receive money from another financial institution?
Yes. MyBillPay allows you to send or receive money from another financial institution using Online Account Access (this is not available in the MyMobile app at this time). To do this, log into your account, click on “MyBillPay”, then “Pay Bills”. MyBillPay will launch. If you have not used MyBillPay recently you will need to go through an enrollment step to enroll your checking account. This enables all features of MyBillPay, including the option to send or receive money from another financial institution).
If you are a regular MyBillPay user you will see tabs at the top of the screen that say Payment Center, Activity, Popmoney, Transfer Money, etc. If you have not used MyBillPay before you will see a screen that walks you through a three step process to start paying bills, to skip this step click on the link “What else can I do?” at the bottom. Click on “Transfer Money”. Before you can make a transfer you need to click on “Add an Account”. Follow the prompts to add and verify an account you have at another financial institution. Once you have verified your account you will be able to start making transfers.
The transfers can take 24-48 hours to process after initial setup. There is a $1.00 fee for both inbound and outbound transactions with a cutoff time of 9:00 p.m. central standard time.
Q. How do I receive Popmoney sent by someone else?
You will receive an e-Mail or text message telling you someone sent you money. Follow the instruction to direct the money to the appropriate bank account. There should be a link to Ascentra.org/popmoney with instructions on receiving your money.
Q. Can I pay my Ascentra Credit Union loans through MyBillPay?
No you cannot. To make a payment on a loan from Ascentra Credit Union, you need to use Online Account Access. From Online Account Access, click the "Transfer" button in the "Personal Finance" area and pay your loans from within your account.
Q. What happens if my scheduled payment tries to debit my checking account and I don’t have enough funds available?
If you have Overdraft Protection sufficient to cover the payment, your payment will be made and your account will not be brought negative. If your account is eligible for Courtesy Pay, the payment may also complete using that feature. However, if a merchant is paid and there are insufficient funds, further steps will be taken to recover that money from you by Fiserv Checkfree – the service provided of MyBillPay.
Q. What is Popmoney ?
Popmoney is an innovative personal payment service that eliminates the hassles of checks and cash. It allows you to send and receive money as easily as you send and receive e-Mail and text messages. It’s a convenient payment feature available when you enroll in Ascentra’s bill payment service MyBillPay and add at least one bill.
Q. How do I send money via Popmoney?
Within MyBillPay look for the Popmoney tab. Send money using the recipient’s name and e-Mail address, mobile number or checking/savings account information. You will be notified when the transaction is completed. If your recipient’s financial institution is not part of the Popmoney network they can complete the transaction by visiting Popmoney.com to direct the funds to their bank account. There is a $1.00 fee per transaction.
The money will be taken out of your account the following business day. The receiver will receive the money 1 or 3 business days following the acceptance of the money (depending on if you chose to send a 1 day or 3 day payment).
If money goes unclaimed, it is re-deposited back into your account after 10 business days.
Q. What if I have additional questions?
You can contact us at (563) 355-0152 or (800) 426-5241, Ext. 0. You can contact the MyBillPay support by calling (855) 876-0883 and please keep in mind that the subscriber ID is your Ascentra Online Account Access user ID.
Much more information is available through our help options in the MyBillPay site. Please utilize the question mark icon throughout the MyBillPay site.