How do I enroll?
Whom Can I pay?
How does it work?
Which account can I use with BillPayer?
How do I get started using BillPayer?
How can I check to see if a company is on the Master List?
How do I set up payees?
If the payee has the same name, does it matter that the payee has a different billing address than the one I usually use when sending my payment?
Once I enroll, how soon can I start to make payments?
What is the difference between a recurring and one-time payment?
How are my bills paid?
What is the difference between a bill paid by "Check" and one paid "Electronically"?
When are my bills paid?
Is there a maximum amount I can pay?
How do I check my payment status?
What if my account number doesn't work?
I made a payment to a Payee through BillPayer and it has not been credited to my account. What can I do?
How long will it take for a merchant to receive my payment?
What if I need a copy of a check?
How is BillPayer different from Bill Presentment or ACH Debit Origination?

How do I enroll?
First, you must sign up for PC Branch and you must have a checking account with us.
If you have used PC Branch in the last six months, you can go to your PC Branch page and click on the "BillPayer" button (see How Do I Get Started for detailed information).

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Whom Can I pay?
Any individual or company you choose. For example, your utilities, mortgage, rent, paperboy, babysitter or any vendor you choose. The only exceptions are any government agency, collection service, or company with an address outside the United States of America. Child support, alimony and maintenance payments are ineligible as well.

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How does it work?
Its easy! Schedule either one-time or recurring payment requests through a DuTrac Community Credit Union checking account. On the scheduled payment date, your payment is processed by the Credit Union and is submitted to the payee the following day. Payments are made electronically to the vendor whenever possible. If the payee does not accept electronic payments a check will be issued.

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Which account can I use with BillPayer?
BillPayer can only be used in conjunction with your DuTrac Community checking account.

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How do I get started using BillPayer?
Once you have enrolled, the first step is to setup your payees. We already have a Master Payee List of payees for you to choose from, or you may create your own if your payee is not in the Master Payee List.

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How can I check to see if a company is on the Master List?
Click on "Find Payee" fill in the name of the company or the first letter of the company you are looking for and hit search. When you find the payee you are looking for, click on add to enter the payee in your personal payee list. You will then need to add your billing account number and nickname. This will then be entered into your payee list.

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How do I set up payees?
First, click on the "Payees" button in the BillPayer section. Second, click on the "Find Payee" or button to search through our Master Payee List and find a payee to add to your Personal Payee List. If you do not find the payee you are looking for in the Master Payee List, try to use variations of the name. Also, check the billing address to make sure it is the same one used in your billing area.

If your payee is not on the Master Payee List or the address does not match your payee, you will need to add the payee in the "Add Payee" section. When creating a new payee, all fields must be completed. The only exceptions are the "Attn:" field and the "Ext." in the "Phone" field. If you fail to input information in all of the required fields, your payee will not be set up and you will not be able to make payments to this payee. Once you have set up a payee in the "Add Payee" section you will need to wait up to five business days before scheduling a payment. This allows our payment processor to verify your information. Please note that this five business-day delay is only imposed once per new payee that you create. If you select a payee from the Master Payee List, you may begin setting up payments immediately.

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If the payee has the same name, does it matter that the payee has a different billing address than the one I usually use when sending my payment?
Yes! The payee that you select from the Master Payee List must have the same address as the address on your payees invoice/statement. If you select a payee with a different address, it could be an entirely different company, or a different office/department that has no ability to apply your payment to an account that they don't recognize. If the name of the company and the address don't match, you should add the vendor and all information yourself under Add Payee. If you have any address questions, call the payee to verify the information.

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Once I enroll, how soon can I start to make payments?
If you set up a "New Payee", you must allow five business days before you can begin scheduling payments to that payee. This allows our payment processor enough time to verify payee information before the first payment is sent.

Do not wait until you are ready to pay bills to set up new payees. If your payee is on the Master Payee List, you may begin to make payments immediately.

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What is the difference between a recurring and one-time payment?
One-time payments are payments that are not the same dollar amount each month, or are not due each month at the same time or will only be due once. Recurring payments are for bills that are due at the same time each month for the same dollar amount.

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How are my bills paid?
BillPayer payees can be paid by either CHECK or ELECTRONIC transfer. To verify which method your payee uses, look at the "Payment Method" column in the Payees section.

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What is the difference between a bill paid by "Check" and one paid "Electronically"?
A "Check" payment is a paper draft sent though the US Mail system. You must allow sufficient time for the payee to receive this type of payment just as if you were mailing the payment yourself. An "Electronic" payment is sent out electronically and is the preferred payment method, however, some payees are not able to accept this type of payment. "Electronic" payments clear within two to three days.

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When are my bills paid?
At approximately 10:00 AM on any given business day, all payments scheduled for that "Payment Date" will be collected and deducted from the appropriate accounts, processed and sent to our bill payment processor. Based upon the Payees preferred method of payment, our processor will either send payment to your Payee electronically or will cut a paper check to mail to your Payee.

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Is there a maximum amount I can pay?
Yes, The maximum amount for a single payment is $9,999.99. If you need to make a payment to a vendor that is larger than this amount, you must split the payment into two payments.

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How do I check my payment status?
Its easy to check on the progress of your payment. In BillPayer, click on the "Payment History" button and check under the column entitled "Status". Explanations of terms are as follows:
IN PROCESS Payment was deducted from your credit union account and submitted for processing.
CHECK SENT The Payee/Payee accepts only check payments. A check has been forwarded.
E-PAYMENT SENT The Payee/Payee will accept an electronic payment and it has been processed.
CHECK CLEARED The check has been received and processed by the Payee/Payee.
INSUFFICIENT FUNDS your credit union account did not have sufficient available funds to process the payment. The payment was not processed.
PAYMENT ERROR An error has occurred during transmission. The credit union will review for processing.

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What if my account number doesn't work?
Occasionally an account number you enter will be rejected as incorrect despite being entered by you correctly. This occurs only if you are using the Find A Payee database when setting up a payee. In order to resolve this, simply use the Add A Payee field and enter the payee information, including address and account number on your own. The payee will be added to your personal payee listing.

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I made a payment to a Payee through BillPayer and it has not been credited to my account. What can I do?
Use the following steps to verify the status of a transaction:

• In BillPayer, click on the "Payment History" button and check your history to ensure that no errors have been made during the payment setup process. Also, under "Payees" verify the account number, billing address, etc.
• Make sure you have waited eight (8) business days.
• Contact the Payee directly to inquire if your payment has been received.
• If this does not resolve the issue, you may contact DuTrac Community via email at members@dutrac.org or by telephone at 563-582-1331 or 1-800-475-1331.

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How long will it take for a merchant to receive my payment?
On average, allow two days (Monday-Friday) for electronic merchants and seven days (Monday-Friday) for those merchants paid by paper check (for those unable to receive electronic payment). Saturdays, Sundays, and Holidays should not be counted when estimating payment dates. Your Personal Payee List will show whether a merchant is receiving payments electronically or by a check in the mail.

Please remember that DuTrac Community Credit Union cannot control the delivery of payments by the post office or the posting schedule of the merchant (when the payment is actually credited to your account).

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What if I need a copy of a check?
You will need to call DuTrac Community at 563-582-1331 and speak with a Financial Service Consultant to inform them of your request. Your account will be charged a fee for the check copy.

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How is BillPayer different from Bill Presentment or ACH Debit Origination?
BillPayer is different fro other products such as Bill Presentment and ACH Debit Origination in that it keeps members in control of their bills and when and if they are to be paid. It is the members responsibility to designate the date and amount to paid because payees will not directly take the money from the account the day it is due.

*Payees addresses and method of payment may automatically be changed. The reasoning for this is that we will continuously update the payees with the most accurate information and attempt to streamline the payment process for you. When the payee was originally being paid via check, we may automatically convert the address so that we may now make the necessary payments electronically.

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