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Welcome to Bill Pay & eBills

W elcome to our robust online bill pay system. Whether you have a detailed budget for your finances or you manage bills on a month-to-month basis, making sure your payments are on time is the first step in any financial plan. Our online bill pay system allows you to pay just about anyone with a few clicks. This guide highlights the key features and benefits of online bill pay.

ABOUT THIS GUIDE

Published by Murphy & Company, Inc. 13610 Barrett Office Dr

St. Louis, MO 63021 www.mcompany.com

© 2009-2017 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2017 Portions of this guide were written by Fiserv. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Everything you need to stay on top of your finances is accessible through the Payments Center page. Here, you can electronically write checks and send payments to your billers—all in one place! All you need to do is log in to your online banking system and select “Bill Pay” to begin scheduling payments.

PAYMENTS OVERVIEW

You can send all your payments from this page. View page 8 for more information.

This window shows your pending payments.

After you set up a bill, you can pay it again from this page. Click on a payee for more details.

All your recently paid bills are conveniently displayed here.

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The individual that receives your payments is known as a payee. You can pay just about any company or person using our bill pay system. Before you can begin making payments, you need to decide on what type of payee to create and how they receive funds.

CREATING PAYEES

• Company : Electronically pay a company such as your mobile phone provider, utility company, credit card or even your dentist. • Person : There are multiple ways you can pay a person. a. Person via email or mobile number : Pay any individual with an email address or mobile phone. When the payee receives the email or text, they are offered instructions for directing the funds to their account. b. Person via direct deposit : Send money directly to someone’s account using their routing and account numbers. c. Person via check : Request a check to be sent to a payee. We print it and drop it in the mail for you.

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The information printed on your bill is all you need to set up a company as a payee. When creating your payee, there are two types of companies you can add: Known and Unknown.

CREATING PAYEES: COMPANY

Known : If the company you need to pay is preloaded in our database, you have the option to sign up for e-bills. For more information on e-bills, visit page 12. Unknown : If you have a payee who is not in our system, no problem! You can add their contact information, but you may not be able to sign up for e-bills.

Click on the Add a Payee button on the Payment Center page.

In the next window, select the Company tab.

For an unknown company, select “Other Company.” Enter the: • Company name • Account number • Street address including city, state and zip code • Phone number • (Optional) Mobile number and email address

For a known company, select it from the list and enter its account number.

Note:  Whether setting up a known or unknown biller, it is critical that you have the correct account number.

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You can pay anyone, such as a babysitter, dog-walker or a freelance worker, by creating them as a payee in our online bill pay system.

CREATING PAYEES: PERSON

First, click on the Add a Company Or Person button on the Payment Center page.

In the next window, click the Person tab.

Select one of the three options: • Email or Mobile

Number : To send funds to a payee through an email or mobile phone, you need their email address or mobile phone number. The payee then receives an email or text with directions on how to direct the payment to their account.

• Direct Deposit : To

deposit the funds into the payee’s account, you need access to the

payee’s routing and account numbers. • Check : You need the

payee’s mailing address to send a paper check.

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If you move, be sure and check if the account numbers for billers such as power, water and cable services change. You can make changes to an existing payee at any time.

EDITING OR DELETING A PAYEE

First, click on the payee you wish to delete or edit on the Payment Center page.

From this screen, you can update important information, which is relied upon during the bill payment process, to get your bills paid accurately and on time. You can update a payee’s: • Name

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• Nickname • Category • Account Number • Street Address • Phone Number

Click the “Remove” link if you wish to delete the payee.

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If you’re the type of person who collects their bills throughout the month and pays them all at once, you can schedule payments quickly and conveniently with online bill pay. To begin, click on the Payment Center tab.

ONE TIME PAYMENTS

Note:  If you are paying a person, you need to choose whether to pay by email, mobile number, direct deposit or check.

Next, select a deliver by date using the calendar feature. If your payment is a rush delivery, click the “Rush Delivery” link. Additional fees apply when sending a rush delivery and vary between billers.

Finally, click the Send Money button when you are finished.

First, locate the payee you wish to pay. Select an account to pay from and enter the payment amount.

Note:  If you are making a payment requiring a coupon or piece of paper to go with your payment, we strongly suggest that you manually write a paper check and mail it along with the coupon. Although rare, court-ordered payments and other government payments may require a coupon for timely processing.

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While some bills vary in amounts each month, some stay the same, such as car loans or your mortgage payments. With our autopay feature, you can set up a series of repeating payments.

AUTOPAY PAYMENTS

First, find the payee you wish to set up an automatic payment for and click the “AutoPay” link, then the “Set Up AutoPay” link.

To send an automatic payment: • Choose the account to pay from • Enter the amount • Select the first delivery date • Choose the frequency • Decide on the duration of the payment • Check the box if you would like to receive email notifications

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Save time and reduce stress by using the Split An Expense feature within your online bill pay. You can easily pay your half of the rent or your part of the check on a night out.

SPLIT AN EXPENSE

First, click the Split an Expense tab on the Payment Center page.

Enter the name of the person you are splitting an expense with. You must have them added as a payee first.

Enter the amount of the payment.

Enter the reason for the payment and when you would like it delivered.

Review the details of your payment. Click the Send Request button when you are finished.

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Once you schedule a payment, you can change or cancel it up until the day before its processing date.

EDITING OR DELETING PAYMENTS

In the Pending window, find the payment you wish to edit and click the “Change” link.

In the Pending window, find the payment you wish to delete and click the “Cancel” link.

If you are editing a payment, you can make changes to the: • Pay From account • Amount • Deliver By date • Memo

If you are removing a payment, click the

Cancel Payment button to permanently delete the payment.

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E-Bills offer the convenience of receiving your bills within your online bill pay. That means no more paper, so you never miss a bill! If a biller can send you a bill through e-bills, a link appears when you add them as a payee. Click the “eBills” link or the Get eBills icon, then click the Get My Bill Here button.

SETTINGS UP E-BILLS

Select the payees you would like to sign up for e-bills on the left side of the screen. Enter the: • Last four digits of your SSN • Read the Terms & Conditions and check the boxes to agree • Click the Submit button

When your e-bill is available, it shows up as a black ribbon next to the payee’s name or you receive a reminder by email. You can then pay your bill by sending a one-time payment or by autopay.

Note:  To set up an e-bill reminder, click the “Reminders” link under a payee and click the “Set Up Reminders” link. Enter the typical due date, amount, frequency, how soon you want to be reminded before a bill is due and email address.

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You can add any account to your online bill pay as long as you are a signer on the account. For example, you can help a retired parent manage their bills by adding their account to your online bill pay. You can pay your personal bills as well as your parent’s bills in one convenient place. The first step to adding an account is clicking the Accounts tab.

ADDING AN ACCOUNT

Click the Add An Account button.

Enter the:

• Account

nickname • Account type • Routing number • Account number

Click the Add Account button

After you add an account, you need to prove you are the owner of the account by following the steps listed to verify an account.

Note:  To delete an account, click the Accounts tab. Locate the account you would like to remove and click the “Delete Account” link.

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View all of your payments, reminders and requests within the Activity feature in online bill pay.

VIEW ACTIVITY

Click on the Activity tab. View payments or requests by clicking the appropriate tab.

The top portion of your screen shows all your set reminders. Click on a reminder to view more details about it.

The bottom portion of the screen shows

pending payments. Look for a specific transaction using the “Date Range”

drop-down or “Filter By” link.

Click on a payment to view more details.

Click the Download Payment List button to download a payment list or click the “Print” link to print a full list of your payments.

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You can categorize your payees within online bill pay. This helps you locate your payees faster and ensures all your bills are paid on time.

ORGANIZE MY LIST

First, click the “Organize My List” link.

Click the “Rename Group” link if you would like to change a group name. Click the “Delete Group” link if you want to remove a group.

To add a new group, enter the group name and click the Add Group button.

Check the box next to “Show” if you want a particular group to show up on the Payment Center page.

You can change a payee’s group using the drop-downs.

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