Bill Pay lets you pay your bills online through Farmers State Bank of Waupaca's Online Banking. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay. With Bill Pay you can see a summary of recent and pending payments, receive some of your bills online in Bill Pay which allows you to review and pay these bills, set up automatic payments, review bills and payments for the past 24 months, and move payments from one account to another account.
To learn more about Bill Pay and the many features that are available click on the video link below.
Is Bill Pay Secure?
Bill Pay uses several methods to ensure that your information is secure.
If you have any additional questions regarding the security of our Bill Pay system, please stop in the Farmers State Bank Main Office at 112 W. Fulton Street in Waupaca, WI and talk with Jay or Carrie or call them at (715) 258-1400.
Which browsers should I use to access Bill Pay?
For best performance, we recommend you use one of the following supported browsers:
While other browsers may work with Bill Pay, these supported browsers provide the highest level of security, accuracy, and functionality.
We also recommend that you enable JavaScript in your browser. JavaScript is required for certain Bill Pay features to function properly.
How does Bill Pay work?
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.
After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.
Quick Facts About Paying Your Bills
After you enter your payment information and click Make Payments, we validate it and display it on the Review Payments page.
After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
The Pending Payments section provides a quick summary of the payments that have not been processed yet
The Recent Payments section provides a list of the bills that have been paid in the past 45 days.
You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.
If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.
What is the earliest date I can make a payment?
When you enter an amount, Bill Pay automatically displays the earliest date the biller will receive the payment without incurring expedited payment fees. You can accept this date or change it. The date must be a business day Monday - Friday (no weekends or holidays) and and no more than a year in the future (or 365 days from today's date).
If we send the payment by check, it can take four or fewer days for your biller to receive it.
Overnight Check Payment
You can make an expedited payment to some billers by sending a check through an overnight delivery service. If you schedule the payment by 2:00 P.M. ET, your biller can receive it the next day.
Note: Checks can only be delivered overnight to a street address in the continental U.S. The address cannot be a PO Box, military address (APO or FPO), or address in Alaska, Hawaii, or Puerto Rico.
Same-Day Bill Pay Payment
Some billers let you make payments on the same day or the next business day. When you schedule an expedited payment, you accept the associated fee. When you see the payment on your bank statement, you'll see two separate transactions: one for the payment you sent and one for the expedited delivery fee.
When is the money for the payment withdrawn from my payment account?
If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the billing address. The money is withdrawn when the company or person deposits (or cashes) the check.
When does a biller receive my payment?
For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take four or fewer days for your biller to receive it.
If you schedule a payment for overnight delivery before 2:00 P.M. ET, your biller can receive it the next day. If you schedule a payment after 2:00 P.M., the biller can receive it in two days. When you schedule an Overnight Check payment, we send you an e-mail message with the tracking number from the overnight delivery service. You can also find the tracking number in the Bill Detail. Use the tracking number to determine when the check is delivered to the biller.
If you schedule a Same-Day Bill Pay payment, the biller will credit your payment on the pay date. However, the payment may not be reflected in your biller account information for a day or two. If you want to verify the payment, you should wait a day or two before contacting the biller.
How do I know the company or person received my payment?
Look for the payment to move from the Pending Payments section to the Recent Payments section.
If the payment was processed normally, you see the amount of the payment. If you canceled the payment, or if it failed during processing, you see the status of the payment.
You can also check the status of the payment in Bill History. If the status is Paid, the payment has been sent to the biller. In some cases, you may see the date when the biller posted the payment to your account.
When you send a payment through an overnight delivery service, we send you an e-mail message with the tracking number. You can also find the tracking number in the Bill Detail. Use the tracking number to determine when the payment is delivered to the biller.
When you set up your bill reminders, you can select an option to receive an e-mail message when the payment is sent. The message contains any posting information that the biller sends us. If you want to confirm that the payment has been posted to your account, contact the biller. It can take a few days for the biller's payment system to show the credit to your account.
You can check the account transactions in Online Banking or call the bank at (715) 258-1410 to see if the funds were withdrawn from your payment account.
You can always contact your biller directly regarding payments to your account.
What is a preferred account?
A preferred account is the payment account from which you pay most of your bills. When you designate an account as your preferred account, it appears first in the Pay From list by default.
To change your preferred account, simply select another account in the Pay From list. When you choose a different account, the Make Preferred Account check box appears so that you can select it for the new preferred account.
Note: You must make a payment to designate a preferred account. If you select the Make Preferred Account check box but don't make a payment, the previous preferred account selection continues to appear as your preference.
What is the confirmation number?
The confirmation number is a unique identifier that Bill Pay automatically assigns 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.
What is the difference between a note and a memo?
A note contains descriptive information that you want to keep on file with the payment. Bill Pay does not send the note to the company or person with your payment. You can add a note to any payment in Bill Pay. You can review the note when you view the details of your payment on the Bill Detail page. The maximum length of a payment note is 256 characters.
A memo contains information that is printed on the memo line of a check that Bill Pay sends to the company or person. You can only add a memo to payments that Bill Pay sends by check. The memo is also kept on file with the payment, so you can review the memo when you view the details of your payment on the Bill Detail page. The maximum length of a memo is 34 characters.
What happens when I cancel a payment?
After you cancel a payment, its status changes to Canceled and it is not processed. Canceled payments appear in
Note: If you cancel an automatic payment, only the selected payment is canceled. You do not cancel any future payments in the payment schedule. To cancel all payments that you've scheduled to be paid automatically, go to Manage My Bills and delete the automatic payment.
How to Contact Us with additional questions
If you need help or have any other questions, please call (715) 258-1410 and ask for help with Bill Pay. You could also email us through our Secure Contact Form and we will research any question you might have.
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