Bill Pay FAQs

Please note: Safe Debit Accounts do not allow paper checks. You may not use Safe Debit Accounts to pay billers requiring paper checks.

Please note: Safe Debit Accounts do not allow paper checks. Safe Debit Accounts can only be used to pay billers who accept electronic payments.

Yes. Payments are guaranteed to be accurate and delivered by the payment date you select as long as your accounts are sufficiently funded, all payment information is entered correctly and the payment is scheduled to arrive by its due date. Some merchants process paper checks as soon as they receive it, which results in an earlier bill payment than requested by you. If you incur any fees as a result of a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.

Please note: Safe Debit Accounts do not allow paper checks and automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made. Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

Most scheduled payments are sent electronically, and funds are withdrawn from your account on the payment date you select. If we send a check, the money is usually withdrawn when the company or person cashes the check. For some checks, funds are withdrawn from your account on the payment date you select. Some merchants process paper checks as soon as they receive it, which results in an earlier bill payment than requested by you. If you incur any fees as a result of a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.

Please note: Safe Debit Accounts do not allow paper checks; only electronic payments are possible and funds will be withdrawn on the Pay On date you selected.

We tell you how the payment will be sent when you’re setting up the payment.

Please note: Safe Debit Accounts do not allow paper checks. Safe Debit Accounts can only be used to pay billers who accept electronic payments.

• Standard Delivery: For all billers, standard delivery is available and payments can usually be made within 1-2 days for electronic checks, or up to 3-4 days for a paper check. There is no charge for standard delivery. The calendar will automatically display the earliest standard delivery payment date available. You can choose that date or schedule another. The date must be a business day.
• Express Delivery: For most billers, we also offer Express delivery which includes same-day and overnight delivery options for $14.95. If Express delivery is available, you’ll find this option when choosing a payment date in the calendar.

Please note: Safe Debit Accounts automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made. Safe Debit Accounts do not offer Express Delivery, same day, future-dated or recurring payment options.

This can happen occasionally because some payments are made by a paper check. The paper check is placed in the mail up to 4 days prior to the payment date to ensure it's delivered and processed on time. Some merchants process paper checks as soon as they receive it, which results in an earlier bill payment than requested by you. If you incur any fees as a result of a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.

Please Note: Safe Debit Accounts do not offer Express Delivery.

On the Bill Pay page, select the “Add a New Biller” button at the top of the page. You will have the option to search for a biller or enter your biller information manually.

Please note: Safe Debit Accounts do not allow paper checks. Because billers you add manually only accept papers checks, you may not use Safe Debit Accounts to pay these bills.

Please note: Safe Debit Accounts automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made. Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

The Bill Pay calendar will show you the applicable express pay options based on the time you are submitting the payment and the biller you choose. You can also edit an existing one-time payment from the review screen simply by picking available dates in the calendar.

Please note: Safe Debit Accounts do not offer paper checks and automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made. Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

• Select Transfers & Payments at the top of the page, and then select Pay Bills.
• Find the biller whose payment you wish to cancel, and click anywhere in the biller panel to show more information about that biller.
• Under Scheduled Payments, select Edit/Cancel Payments. 
• Scheduled Bill Payments will show in the Select Transaction Type menu.Next to the specific payment, select "Edit" or "Cancel."

• Select Transfers & Payments at the top of the page, and then select Pay Bills.
• Find the biller whose payment you wish to cancel, and click anywhere in the biller panel to show more information about that biller.
• Under Scheduled Payments, select Edit Recurring Payment. 
• On the Edit/Cancel Payments screen, select Edit all future payments or Cancel all future payments.

Please Note: Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

For standard delivery payments, we recommend scheduling payments 4 days before the due date to allow enough time for the biller to process and post the payment to your account. Some merchants process paper checks as soon as they receive it, which results in an earlier bill payment than requested by you. If you incur any fees as a result of a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.

If you need a payment there faster than the standard delivery options, there are same or next-day payment options available for most billers. You’ll find Express delivery options when choosing a payment date in the calendar.

Please note: Safe Debit Accounts automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made.

• The cut-off time for same day delivery varies based on the biller.  You’ll find cut-off time information when choosing a payment date in the calendar.
• The cut-off time for overnight delivery is 2:45 p.m. CT. Overnight payments are sent in the form of a check by U.S. Bank.

Please Note: Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

Once you’ve set up a biller, it will appear in your biller list when you select Pay Bills. Click anywhere in the biller panel to show more information about that biller. Select Manage Biller Alerts to set alerts for that biller. You can also set up alerts during the process of setting up recurring (automatic) payments, or by selecting Customer Service at the top of the page and then selecting Manage Alerts.

Once you set up a biller, click anywhere in the biller panel to expand show more information about that biller. If available, you’ll see a link to Set Up eBills for that biller.

You’ll see a note in red text beneath the Amount field for that biller stating “eBill Reminder: $xx.xx due on mm/dd/yyyy.” You can also click anywhere in the biller panel to show more information about that biller, which will include any upcoming eBill payments.

If you're experiencing a problem with a processed payment, contact your biller. If you don't resolve the problem directly with the biller, you can send us a payment inquiry. Our customer service will contact the biller on your behalf in an attempt to resolve the problem.

To send us a payment inquiry:

1. 1. Select a reason for your inquiry.
2. 2. Select the type of biller that you made the payment to.
3. 3. Answer the questions about late fees and finance charges.
4. 4. In Description, type a description of your question or problem. The more information you provide, the better we can answer your question.
5. 5. If you contacted the biller about the problem, type the name of the person you contacted, the phone number, and the contact date in the appropriate boxes.
6. 6. Click Send Inquiry.
   A confirmation page opens.
7. 7. Click Print to print the message that you sent to customer service.
8. 8. Click Finished.

If the payment has not started processing, you can cancel it and make another payment. You can also change the following information for the payment:

• Account from which to make the payment.
• Date you want us to deliver the payment to the biller.
• Amount of the payment.

If the payment has started processing, or if the status is Paid, call the biller's customer service about the mistake and gather the following information:

• The name of the person who assisted you with your payment question.
• The phone number you called to contact the biller.
• The date you called to inquire about your payment.
• The amount of any late fees or finance charges assessed.

If you received a late fee, even though you made your payment on time, ask the biller to waive any late fees or finance charges.

If the problem still isn't resolved, you can send us a payment inquiry. We contact the biller on your behalf in an attempt to resolve the problem.

A message that you send to customer service when you have a problem with a particular payment. The message should include:

• A specific reason for your inquiry, such as the biller credited the payment as late.
• The amount of any late fees or finance charges that were assessed.
• The name and phone number of a person you contacted in the biller's customer service department.
• The date of contact.

We contact the biller on your behalf in an attempt to resolve the problem with the payment. You can expect a response in three to four business days.

The confirmation number is a unique identifier that we automatically assign to each payment. If you have a problem with a payment, use this number to refer to the payment when you contact customer service. However, if you send us a payment inquiry, the confirmation number is automatically associated with the payment in question.

The confirmation number does not indicate that the company or person has received the payment.

Sometimes the biller may not credit your account immediately after receiving a payment. Wait five days after the scheduled pay date to see if the payment is credited to your account.

If you schedule a same-day payment, the biller receives and acknowledges the payment on the current business day or the next business day, depending on the time of day when you enter your payment information. However, the biller's payment system may not credit the payment to your account until the next business day. If you want to verify the payment, you should wait a day or two before contacting the biller.

If the payment is not credited after five days, call the biller's customer service. If the problem still isn't resolved, you can send us a payment inquiry. We contact the biller on your behalf in an attempt to resolve the problem.

Check the payment information to make sure you scheduled the payment before the bill's due date. If you made the payment on time, call the biller's customer service and ask to have the late fee or finance charge waived. If the biller did not credit your payment properly, any charges or fees may be waived once the problem is resolved.

If the problem still isn't resolved, you can send us a payment inquiry. We contact the biller on your behalf in an attempt to resolve the problem.