Bill Pay FAQs

Bill Pay Basics

What is Bill Pay?
Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Who can I pay with Bill Pay?
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

Getting Started with Bill Pay

How do I enroll in Bill Pay?
It’s easy to enroll in Bill Pay. Just log in to your account and click the "Bill Pay" link to access the short enrollment form.

How do I start using Bill Pay?
The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

1. Log in to your account and click the "Bill Pay" link.
2. Click the "Add a Payee" button on your home page dashboard.
3. Enter the requested information. Typically this information can be found on your latest bill statement. Once you add your payee, you can start making payments in seconds.

How do I make payments with Bill Pay?

1. Find your payee on the payments dashboard.
2. Enter the payment amount and date, then submit.

How Bill Pay Works

How are online payments delivered?
Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is Bill Pay secure?
Paying bills online is one of the safest ways to pay your bills. Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

How long does it take before my payment is received?
When scheduling a bill to be paid, you will select a deliver by date. This is the date your payment will be received by the merchant, a process/send on date (date the funds will be deducted from your account) will automatically be calculated, depending on how the merchant accepts payment (electronically or paper check).

How are the scheduled payments processed with Bill Pay?
Most scheduled payments are sent electronically and funds are withdrawn from your account on the process/send on date.

eBill

What is eBill?
eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account.

How do eBills work?
eBills are delivered directly to your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Will I still receive paper statements when I have eBill?
Enrolling in eBills through DCCU's Bill Pay will not change your statement preferences with the payee, but some payees require you either receive your statements electronically or by mail. You should consult your payee/merchant to determine your statement preferences.

How will I know if eBill is available for a payee?
If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Bill Pay dashboard.

What are the primary benefits of eBill?
With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

What information is included in an eBill?
Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.

How do I pay an eBill?
To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

How do I know when I have received an eBill?
You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.