Internet Bill Payer Questions

If you have any questions that are not answered by this FAQ section, you can email us at mail@dayair.org, or call 643-2160, or 888-329-2472.

Internet BillPayer is a service that eliminates the time, hassle and expense of writing checks, addressing envelopes, and buying stamps to pay your bills. You will enjoy the ability to pay your bills 24 hours a day, seven days a week at a time that is most convenient for you.

How do I sign up?
Signing up is easy! You must be a registered PCU (Personal Credit Union) member. Simply click on the “BillPayer” button on the PCU screen to set up your account and follow the on-line directions. We highly recommend you read through all of the “Frequently Asked Questions” before getting started.

Okay, I’m Registered for the Service. Now What?

Step 1: Sign on to your PCU account

Step 2: Select the “BillPayer” button on the left side of your PCU screen
This will take you to the BillPayer Welcome Screen. This is your main screen with four options: Payees, Add New Payment, Pending Payments, Payment History. There is a description of each option on the web page. You may need to scroll down to see the entire page.

Step 3: Add Your Payees
The first thing you’ll need to do is set up your Payees. There are two ways to do this:

Find Payee: BillPayer has a master list of companies that they have mailed bills to in the past. To access this list, click on the “Find Payee” button, and enter the name of the company you want to find. The system will find all the companies with the name you entered, along with the mailing addresses. Once you have determined which address your payment needs to be mailed to, click the button to the left of the company, and press the “Add the Payee to Personal Payee List” button at the bottom of the page. You have now set up your first payee.

Add Payee: You can also manually add a payee to your list. To utilize this option, click the “Add Payee” button and follow the instructions on the screen. Important: All fields, including phone number, must be completed in order for the system to process your payments. If a field is missing, your payment will not be made, and the system will not let you continue.

Note: All payees must be verified by our bill payment system. Payees from the master list have already been verified, and are much more likely to be processed faster than payees you add manually. Each new payee is verified within a 14 day period. There is no waiting period to send a payment once a new payee is set up, however, if a new payee contains incorrect information and you immediately make a payment, a payment error will occur and the payment may not be received by the merchant. If this occurs, once the check is returned, the money will be re-deposited in your checking account and you will be notified via email.

Step 4: Add New Payment
Once you’ve added payees, you can begin scheduling payments. Click on the “Add New Payment” button, and follow the directions on the screen. The payment start date is the date the payment amount will be taken from your account, not the payment due date. Most of your payments should be set up as one-time payments, not recurring payments. If the payment is a regularly scheduled payment and the amount doesn’t change (such as a mortgage), you may want to schedule it as a recurring payment. Please keep in mind, recurring payments will be automatically taken from your account on the date you specify until you cancel the payment or the payment end date expires.

Help us keep you informed! It is very important for us to have your current email address on file. In the unlikely event there is a system problem with your payments, we will send you an email informing you of the situation and detailing the corrective steps being taken.

If you have Courtesy Pay, it will cover checks made from BillPayer; just as it would had you written a paper check. The payment will be made to the merchant, and you will be charged the fee for using Courtesy Pay. If a payment cannot be made due to reaching your limit on Courtesy Pay, no payment will be made to the merchant, but no Courtesy Pay fee will be charged for this incomplete transaction. In this instance, no notification will be sent, as you can view the status of your payment request in your payment history.

Step 5: Pending Payments
Now that you’ve scheduled your payments, you can see them in the “pending payments” section. This will show you what payments you have scheduled and when the money will be taken from your account.

Step 6: Payment History
After your payment has been sent, you can check the status of that payment in the “Payment History” section. It will tell you if your payment is in process, has been sent, and when the check cleared. Please note electronic payments will not have a “Check Cleared” date because there is no check to document.

Internet BillPayer—Frequently Asked Questions

How much does the bill payment service cost, and how will I be charged?
This service is FREE to all Day Air members!

Is there a limit to the number of bills I can pay online?
No, but there is a $25,000 dollar limit to the amount that can be paid to any payee at one time.

Can I cancel the bill payment service?
Yes. You can cancel at any time by pressing the “Cancel BillPayer” button on the PCU web site. Any pending payments will be deleted. Please note: members who do not use this service for 60 days may be automatically disenrolled, and all pending payments will be lost.

To whom can I pay bills online?
Almost any merchant or individual in the United States. The only exceptions are: Tax entities, Collection agencies, Court-ordered payments such as alimony, child support, speeding tickets, etc., Payments to payees outside of the United States, Payments to payees located in the Armed Forces postal codes such as AE and AP, Payments to settle securities transactions, and Payments to payoff “special financing” transactions.

When I pay a bill online, when will the funds be deducted from my checking account?
The funds will come out of your account on the morning of the day you designate. If you try to send a payment on the weekend or a holiday, the payment won’t go out until the next business day.

What if there isn’t enough money in my account to pay the bills?
If there isn’t enough money in your account, the payment will not be sent. You will see an “Insufficient Funds” message in the payment history for that payment.

Will my overdraft protection work for Internet BillPayer?
Yes. If you have directed us to withdraw money from your savings account or your line of credit, those funds will be transferred to your checking account in order to make your payments.

Will Courtesy Pay work for Internet BillPayer?
Yes. All eligible Courtesy Pay checking accounts will cover Internet BillPayer payments to payees up to the amount dictated by your overdraft privilege.

Why is a phone number required when I am setting up my payee?
Not all online payments are processed electronically. Depending on the payee, some payments will be made by check and mailed to your payee. If the check is returned because of an invalid or insufficient address, a representative must contact your payee via phone to correct the information.

I want to make an online payment to an individual, such as a babysitter. What do I enter in the Account Number field when I am setting him/her up as a payee?
You may enter your name as a way to identify yourself to the individual.

I just attempted to schedule a recurring payment to one of my payees, and it didn’t work. What did I do wrong?
Check that you have completely filled out all information fields. Also ensure that you scheduled the payment to go out on the correct date. If you are still unsuccessful, contact us.

I just paid several bills online. Where can I find a list of these bills for my personal records?
Immediately after you have set up your bills to be paid, we suggest you view and print your list of pending payments. This will be the only record of your online bill payments until they have been paid and they appear on your online statement and register.

What determines whether my payment is processed as a check or electronically?
While we have no way to predict how your payment will be processed, many factors will contribute to the outcome of the processing method. The main factor is whether your payee is capable of receiving electronic payments. Larger companies are more likely to be able to receive your payment electronically. Additionally, your payee information will help to determine the processing method: make sure that payee account numbers are entered correctly. Also, after you set up a payee and schedule the first payment, your first payment will often be sent by check. After that, it may be sent electronically.

How long will it take for my payee to receive my payment?
If your payment can be made electronically, it can reach the payee in as few as one to two business days. However, if the payment is processed as a check, additional days are required for the check to be mailed. For this reason, you must submit your online payment at least five business days before the due date.

Whom do I contact if my payee claims they have not received my payment?
Contact us at 643-2160 or 888-329-2472 or via email. Have your account number and payment information ready.

Will I be able to provide proof of my payment to my payee?
Yes. We will research your payment ten days after your payment date. At that time, we will provide your payee with a check copy or an electronic funds transmission report as proof of payment. We will also contact your payee to explain the situation.

Will I be refunded any late fees I incur if my payment is delayed?
Yes, if your payment was submitted at least three business days ahead for electronic payments, and at least five business days ahead (before the due date) for mailed payments; however, Day Air Credit Union is not responsible for late payments resulting from member error in setting up the account.

The mailing address of one of my online payees has changed. Do I need to update this information in Internet BillPayer?
Yes. You will need to delete the old vendor, and add a new payee with the new address. The system will not accept modified address changes.

Is there any way to stop payment on an online bill transaction?
Yes. You may request a stop payment to a payee after 10 business days, as long as that payee was paid by check. There is a $27 fee for this action. Once you have chosen to stop payment on the transaction, you can either have the payment reissued or have the funds credited back to you. Payments sent electronically cannot be stopped.

What is the difference between a recurring payment and a one time payment?
Recurring payments are those that are made on an ongoing basis, usually for a fixed amount of money. For example, you may set up your mortgage to be paid every month on the 1st, and it would be a recurring monthly payment. A one time payment is a payment that you schedule each month, usually for a different amount. For example, your utility bill is usually a different amount each month so you would set it up and schedule it as a one time payment to be paid each month.