How does Bill Payer service work?

With Chartway’s Bill Payer service, you’ll never have to buy another stamp to mail your bills. For just $4.95 per month, you can pay an unlimited number of bills online to anyone you wish with Bill Payer. It sure beats all the trouble of sending checks through the mail. Enjoy the following benefits:

• Access to pay your bills 24 hours a day

• No stamps or envelopes

• Make multiple bill payments at one time

• Set up recurring bill payments (monthly, weekly, etc.)

• Use Bill Payer for bank-to-bank transfers

Have my Bill Pay payees been retained?

Only payees that have been paid within the last year have been retained.  You do have the ability to add any payee that may have been removed.

Can I change payment or payee information?

Once a Payee has been matched to an existing entry by the Bill Payer service, it will be locked from edits to maintain a match for that Payee. Usually this will indicate that future payments to the payee will be sent electronically. Should you still want to alter the Payee information on these locked entries, the Payee will have to be deleted and reentered as a new entry. Payees entered as "Individual" or unmatched by the Bill Payer service may be edited as needed.

How much does the service cost?

Chartway’s Bill Payer service is just $4.95 per month. However, the fee is waived if you have all of the following:

1. A checking account* with Chartway
2. Pay three (3) bills per month through Bill Payer

3. Active enrollment in Chartway’s eStatements

*Free Bill Payer with Premier or Elite 50 Plus checking.

Can I select electronic or check payments for my payees?

No, business payees will automatically be designated as electronic or check based on their entry in Bill Payer and the payee's ability to receive funds electronically (currently over 55% are electronic). You can enter (if known) the routing and account number for an individual and funds can be sent to them by ACH transfer, as well.

How far in advance should payments be scheduled?

When scheduling a payment, you are required to enter or select from the calendar a "Send On" date and the "Deliver By Date" is automatically calculated by the system.  You must verify that the "Deliver By Date" is on or before your due date on your statement to make sure payment is received on time.

Can I skip or edit a recurring payment?

Yes, there is a skip payment and an edit feature available on all recurring payments. However, the skip payment must be requested before the scheduled payment date. Log on to eBranch and go to the "Pay Bills" section under "Bill Payment"on the left. Any payments not yet processed will be displayed in the top right side of the page. Select the Payee you would like to edit and follow the prompts to either cancel/edit the upcoming payment or cancel/edit the entire series.

What happens if I don’t have funds to cover a requested payment?

You will be charged the standard NSF fee, currently $29.00, for each attempt to make your payment. If Bill Payer is unsuccessful in debiting the funds, it will make 2 additional attempts to recover those funds. Once the account is flagged as NSF, all pending payments will be halted and the account blocked until the account is once again in good standing. Any automatic payments will be reinstated for the next due date. Any manually configured payments will be lost and must be reentered.

How do I know if my payment was sent or received?

By going to "Search Records" on the left hand navigation located within Bill Payer.  You must fill out the parameters to locate the payment, then you will be able to vie the "Sent On" date along with the status of the payment.  *Note- you are researching a recent payment in might be located on the "Make Payments" page on the left under "Last 5 Processed Payments".

What do I do if my payment isn't received?

By going to "Search Records" on the left hand navigation located within Bill Payer.  You must fill out the parameters to locate the payment, then you will be able to vie the "Sent On" date along with the status of the payment.  Once you find the payment you are looking for you must click on "Payment Details" to view the "Deliver By" date.

If after this date you have verified with the Payee that they have not received the payment, please let us know. Chartway will research and track the payment to determine if the item should be stopped or if the item has been cashed and posted incorrectly. If the item has been presented and cashed, Chartway can provide you with the check copies or copies of the electronic transfers to provide to the merchant as verification of payment.

Can I stop a sent Bill Payment?

If the payment was sent via Check and has not been cashed, you can request a Stop and refund. The stop payment fee is $20.00, and it will take two to three business days for the account to be credited. Payments that have been issued electronically cannot be stopped once issued.

Who can I pay with the service?

With Chartway’s Bill Payer service, you can pay anyone you choose. Simply enter their information as a Payee. In addition, you can make a payment to a business or individual directly to the receiving account number at their financial institution. To have these funds sent electronically, you must have the routing number and account number of your Payee's financial institution. Please note that the Bill Payer service can only send funds electronically in this manner to another financial institution in the United States.

I no longer want to subscribe to Bill Payer, How do I cancel?

You can call our Contact Center at (757)552-1000 to speak directly with a representative. You can also use the "Contact Us" link in eBranch to send a notice to us that you wish to cancel the service.

I cancelled Bill Payer. What happens to the payments I had scheduled?

Any pending payments will not be made once the Bill Payer feature is cancelled on your account.

I cancelled Bill Payer. How do I reenroll?

If you would like to reactivate the Bill Payer service, please call our Contact Center at (757) 552-1000 or (800) 678-8765 and speak with a representative.