Bill Pay FAQ

Save yourself time and money when paying your bills with our online Bill Pay. You provide the bill details and we send the payment, including the stamp and envelope, if necessary. And with our upcoming Bill Pay enhancements, you'll love letting us help you pay your bills even more!


What is the timeline for the Bill Pay upgrade?

The transition will take place May 22, 2017 starting at 2:00 PM through May 23, 2017. During that time Bill Pay will not be available. You will have access to our new Online Banking Bill Pay May 24, 2017.


If you are not already enrolled in Bill Pay, you will be unable to enroll May 22 or May 23. If you are enrolled, you will not be able to access or schedule payments during this time.


Any payments that were previously set up and are scheduled to be sent out on May 22, May 23 or May 24 will go out as expected.


Click here to preview all the benefits with our Enhanced Online Bill Pay.

How is the new online banking Bill Pay different than what is offered today?

Online Banking Bill Pay offers new and improved features and functionalities such as:

  • More flexibility in scheduling options
  • Enhanced eBills
  • Payment scheduling options that interact with your eBills
  • Rush payment options
  • Later cutoff times
  • The ability to group "like" biller/payees together
  • Payments scheduled by a "Deliver By" date rather than mail date
  • The ability to schedule payment reminders
  • Payment monitoring
  • NEW! Popmoney™ Service to pay friends and family!

When I try to use Bill Pay, why am I receiving a message that says Bill Pay is not available?

If you receive an error message that says "Bill Pay is not available," please check to make sure we have the most up to date home phone and/or email address on file. You may verify this information by accessing the "Service Center" tab within Online Banking. If after verifying your information you continue to receive an error message, please contact us at 419-384-3221 for assistance.


Will my current Online Banking Bill Pay information transfer over?

Yes, your current payee information and scheduled payments will transfer over to our new system, along with the last 12 months' history of payments. The new system will be able to hold 7 years of historical payment information.


While your information will transfer, we recommend you do the following the first time making payments in our new Bill Pay system:

• Confirm your Bill Pay schedule is accurate.

• Verify that your payee information is correct, including name, address and account number.

• Verify that bill payments are being funded by the correct account if you have multiple checking accounts.


Easy Pay Payees will transfer, however, it is recommended that those specific payees are reviewed and updated with the current address of the intended recipient. This would include any payees that were set up to send payments to an individual using that individual's account number and routing information. In these cases, individual payees should now be set up using our Popmoney Service.



What does "Deliver By" date mean?

The "Deliver By" date is the date the biller/payee will receive the payment. If the payment is sent electronically, this will also be the date that the funds will be withdrawn from your account. If the payment is sent by check, the funds will be withdrawn from your account when the bill is presented to First National Bank for payment. This does not mean that your payment was made late, but that your payee is presenting the check for payment to First National Bank at that time.


What is the cut off time?

With our new Online Banking Bill Pay the cut off time is 10PM compared to Noon in our previous Bill Pay system. It is important to note some billers/payees have an earlier cut off time which must be used. The calendar will identify for you the first available "Deliver By" date for each payee at the time you are scheduling the payment. Overnight check bill payments are an option.


Why do I have to select a funding account?

The first time using our new Online Banking Bill Pay, you will need to select a funding account when processing a payment for each biller/payee. Once you have selected the funding account, the funding account will be saved for that biller/payee.


Why are some payments sent electronically, while others are sent by check?

The method of payment is determined by the biller/payee. Some biller/payees may also set certain dollar limits to what payments are sent electronically and what payments are sent by check. This means that your payment could be sent electronically, and other times, a payment to that same biller/payee could be sent via check.


In many cases, the first time you make a payment to a payee in the new Bill Pay system the payment may be made by check and then made electronically thereafter. One way to know how the payment is being sent is by the first available "Deliver By" date on the calendar. If it is the following day or two, the payment is most likely being paid electronically. If the soonest "Deliver By" date available is several days away the payment is mostly likely being sent via standard check.


How does Online Banking Bill Pay make paying bills so easy?

Rather than writing checks to the same biller/payee each and every month, you establish a biller/payee list. Then, each month it's just a matter of pointing and clicking on a biller/payee, entering a date and amount that you would like to pay. You have the option of scheduling payments or setting up recurring payments, as well as having the control to make your payments when you want to.


How are my bills paid?

Online Banking Bill Pay may prepare and mail a check for you or the payment may be sent electronically. The amounts are taken directly from your First National Bank checking account. Simply enter the date you would like your payment to be received and Online Banking Bill Pay will take care of getting it there on time.


What are the methods in which a bill payment may go out?

Payment methods may include, but may not be limited to, an electronic payment (ACH), an electronic check payment, or a laser draft payment (funds remitted to the biller/payee are deducted from your Payment Account when the laser draft is presented to First National Bank for payment).


What happens if I don't have enough money in my account?

If you do not have enough money in your account on the "Deliver By" date, the payment will still be sent to the biller/payee and you could receive an insufficient funds charge (as disclosed in our schedule of fees). We will try to collect payment a second time within 24-48 hours. If at that time you still do not have sufficient funds, a second insufficient funds charge may be assessed. At times, we may work with the biller/payee to try and reverse the payment. If the payment cannot be reversed, a Bill Pay representative will contact you to satisfy your outstanding balance. Your access to Online Banking Bill Pay may also be restricted after a payment(s) resulting in insufficient funds.


How can I change the funding account I have set for a specific merchant?

To choose a different funding account for a specific biller/payee, simply select the new account from the "Pay From" drop down.


What if I need to change the funding account for my recurring payments?

Changing the default funding account for recurring payments is easy in our new Online Banking Bill Pay. Simply select the "Accounts" tab and select the "Move Payments" link from the existing funding account. Select the new account from the "Move to this Account" drop down and click the "Move Payments" button.


Can I cancel a Scheduled Payment?

You may cancel or edit any Scheduled Payment (including recurring payments) by selecting the "Change" or "Cancel" links within the Pending Payments section of the Bill Pay system. There is no charge for canceling or editing a Scheduled Payment. Once the payment has begun processing, it cannot be cancelled or edited; therefore a stop payment request must be submitted.


Can I pay a person through the Online Banking Bill Payment system?

Yes, check payments can be sent to an individual from within the online banking Bill Payment system. To send a check payment to an individual, click the "Add a Company or Person" button from within the Payment Center and select the "Person Tab." You must be able to supply enough information on that person, such as name and full address for them to be created as a biller/payee.


What if I need to pay a person via ACH?

No problem! As part of enhanced Online Banking Bill Pay system you now have access to Popmoney™ which allows you to pay friends and family using email or text. Learn more here!


How can I add a new biller/payee?

Click the "Add a Company or Person" button from within the Payment Center and select the "Company Tab." You can either search for the company in the "Search" bar, or you can select the company from the list of major biller/payees. When adding a major biller/payee, the biller/payee information has already been identified by the Bill Pay system, therefore, all you need to do is enter your account information for that major biller/payee. For smaller businesses or local businesses, the biller/payee information may not be readily available; therefore, you may need to enter more information about the business such as mailing address and phone number.


How can I organize my list of billers/payees?

To organize your list of biller/payees, select the "Organize my List" link from the Payment Center. This will allow you to group biller/payees together in a way that works for you.


What are Bill Pay eBills?

eBills through Bill Pay is the presentment of your electronic bills directly within the Bill Pay system. With a few easy steps, you can set up your eBills to be viewed directly within Online Banking Bill Pay. eBills also allow you to set up auto pay to pay the minimum payment due or total amount due for that bill.


Why do I have to re-enroll in eBills?

With our new Online Banking Bill Pay, we have made some major improvements to our eBill process. By re-enrolling in our new and improved eBill system, you will have access to new features such as PDF copies of your bill, eBill alerts and new payment options that will allow you to schedule one time and recurring payments based on your eBill each month!


How do I enroll in eBills?

Re-enrolling is easy!

  • Click the "Get eBills" link next to the biller/payee name.
  • Enter the information requested and click "Add."
  • Agree to the terms and conditions.
  • Click "Submit."

How do I know if a company participates in eBills?

To see if a biller/payee participates in eBills, search for them here.


What information is required to enroll for an eBill?

Often, only the biller/payee name and account number are required, although some do require an additional field for validation, such as ZIP or phone number.



Can I create a Bill Pay Transaction in Quicken/QuickBooks?

The new Bill Pay system will not allow for Bill Pay transactions to be created in Quicken or QuickBooks, however, Bill Pay customers will still have the ability to export account history to Quicken or QuickBooks just as can be done today.