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It is our pleasure to welcome you to Mercer
County State Bank’s Bill Payer
service. We are confident you will quickly discover
Bill Payer to be the fastest
and most convenient method to pay all your bills. Access the
service anytime, day or night from your Internet connection.
Bill Payer is
Mercer County State Bank’s newest service designed to make your
life a little bit easier.
Mercer County State Bank toll free telephone number 800-251-4790, provides
first line customer support from 7:30 am to 11:00 pm EST, Monday
through Friday. Also, included is a "Live CHAT" service
via the Internet as well.
FREQUENTLY ASKED QUESTIONS
1. What
is Electronic Bill Payer?
Electronic Bill Payer is the most convenient service to be
introduced since ATM's. As a subscriber, you can pay most any
bill by the Internet, 24 hours a day 7 days a week.
2. How
do I get started?
You must enroll in our Internet Banking product. Stop by
one of our local offices and talk to our friendly Customer
Service Representative (CSR) or you can submit your enrollment
request via the internet for processing. Then, first thing
you'll need to do is organize all of the information about any
individual, family member, friend, business, payee or
professional who generates an invoice for products or services
that you want to pay through Bill Payer.
Gather together the names, billing addresses and your account
number with the company or individual (phone numbers are
appreciated if available).
3. How soon can I start making payments?
You may begin using the system
as soon as your enrollment is approved. An email
confirmation will be sent welcoming you, it should
only take a few days.
The
email welcome letter will contain important information you will need
to begin using the Bill Payer program.
4. Is there anyone I cannot pay through Bill Payer?
You may pay
almost any payee you wish. There are several restrictions: 1)
The merchant must be located in the United States; 2) Payments
may not be remitted to tax authorities or government and
collection agencies; 3) Payments may not be remitted to security
companies such as Ameritrade for stock purchases or trade taxing
authorities and 4) Court directed payments are unauthorized
(alimony, child support, or other legal debts). Don't forget you
can use this system to send payments to your child in
college, pay your local orthodontist, credit cards, charitable
donations, etc. A payee is defined as anybody (company or
individual) to whom you want to send money.
5.
Should
the processing date I give be the date the payment is actually
due?
No. You need to allow a
minimum of five (5) business
days
for payments to reach your payee. Depending on the payee,
you may need to allow additional days due to the distance the
payment will travel. Remember, although you can schedule a
payment at any time, payments are actually sent to payees only
on business days.
NOTE: Clients in
*Mountain Time zones should allow 7 business days, Pacific Time
zone, 8 business days.
6. How far in advance can I schedule a payment?
There isn’t a ‘limit’ set in the system, however, it is
recommended you not encourage ‘future dated’ payments beyond one
(1) year. Users tend to ‘forget’ they have done this and it
often times has a negative impact on their
Bill Payer account.
7. How soon are funds actually taken out of my account?
Bill Payments are debited from your account on the processing
date you requested. There is no float.
8. What happens if I don't have enough money in my account to
cover a Bill Payment?
If
funds are not available on the requested processing date, your
Bill Payment will be canceled and a fee of $15.00 will be charged to your
account, along with any additional NSF fees.
9. What is the difference between a variable/single Bill
Payment and a recurring payment?
A
variable/single Bill Payment is a one-time payment such as your
telephone bill where the amount fluctuates each time. Or
perhaps it is a payment you do not make regularly such as a
florist you use only occasionally.
A
recurring payment is one made regularly for the same dollar
amount, on the same day each month such as your car or mortgage
payment. You need only to set up a recurring payment once in
the system and access the system only when the payment is to be
changed or canceled. Otherwise, your recurring payments will be
made automatically.
10. How are my payments delivered and how can I ensure that my
payee receives my payment by the due date?
You may schedule payments to be initiated on the day you enter
the information, on a future date or on the same date each
month. Although you can enter payment information 24 hours a
day 7 days a week, payments can only be initiated on business
days.
After funds are withdrawn from your account, we may remit your
payments by electronic funds transfer, or if the payee does not
accept electronic payments, by mailing a check drawn on an
account we maintain for this purpose, or by some other
appropriate means. Because of the time it takes to remit your
payment to the payee, they will not receive payment on the
processing date (the date you instructed us to deduct the funds
from your account). Therefore, in order to provide sufficient
time for payments to be received by your payee, the processing
date should be a minimum of five (5) business days before the
bill's actual due date. Additional days must be added to this
time frame if the payment is traveling outside of a 4 state
radius.
NOTE: Clients in
*Mountain Time zones should allow 7 business days, Pacific Time
zone, 8 business days.
11. Why
does it take five business days and sometimes more for payments?
(*Mountain Time zones, 7 business days, Pacific Time zones, 8
business days)
Although a
number of your payees accept payments electronically, many do
not. For those that do not accept electronic payments, we must
send a check to that payee through the U.S. mail. Once the
payee receives the check it may also take a day or so for the
payee to process the check and post it to your account. Even
for electronic payments, it may take two or three days for your
account to be posted. Holidays must also be taken into
consideration.
12. What time of day is the cut-off for the Bill Payment
product?
You can pay bills with the Bill Payer product up until 2 pm ET,
Monday through Friday. If you pay a bill after 2:00
pm it will be processed the next business day. This
information was specified in your disclosure
and welcome letter.
13. What should I do if a payee has not posted my payment?
First, be sure to allow a minimum of five (5) business days for
a payee to receive your payment. CONTACT YOUR PAYEE. If a
payee does not post your payment within ten (10) business days
of the date you requested the payment to be processed, simply
dial 800-251-4790, for Mercer County State Bank customer
service. We will follow up on the payment and get back to you
within 2 business days.
*NOTE –
Clients in Mountain Time zones must allow 7 business days,
Pacific Time zones, 8 business days.
14. How do I add more payees?
You can use
the “SET UP ACCOUNTS AND PAYEES” button online.
15. What do I do with the payment coupon book or stub?
These are no longer necessary items. You are welcome to just
file them away.
16. How can I prove payments and transfers were made?
Each time you enter a payment you are given a transaction number
so you can be sure we received your request. In addition,
payments will appear on your bank's monthly statement. Or, you may go
online for a list of your history or call TeleBanc to
hear a listing of your most recent transactions.
17. How do I pay for my Bill Payer service?
There is no monthly fee for Bill Payer as long as
the account is active. If there is no Bill Payer activity
within a one month period, an Inactivity Fee of $10.00 will be
assessed for each month that the account is inactive.
18. How can I cancel my Bill Payer service?
To
make sure no payments are missed or duplicated you will first
need to delete any pending scheduled payments. Then
contact your local MCSB office, they will be happy to take your
request.
19. What if I have a question and want to talk to a real
person?
At
any time while using the Bill Payer service, you can reach a
Mercer County State Bank service representative by dialing 800-251-4790.
Customer service hours are 7:30 a.m. to 11:00 p.m. EST Monday
through Friday, EST. If calling outside of these hours,
simply leave us a message and we'll call you back on the next
business day. Mercer County State Bank is closed on Federal Holidays.
20. How can I be sure no one else can access my Bill Payer
service?
You will access the system by entering your customer assigned USER ID and PIN.
Only individuals with this information can access your account.
Be certain not to release this information to anyone you do not
want to fully authorize as a user on your account.
SAFE
GUARD! SAFE GUARD! If for any reason you believe this
information has been compromised, please contact Mercer County
State Bank or change your PIN immediately.
21. How secure is the
Bill Payer process?
When a customer comes to Mercer County State Bank
Bill Payer site a secure connection
is established that prevents any outside parties from viewing
transaction information. Any data that is transferred between
locations is also made over secure connections utilizing data
encryption, and all account information is kept behind a
firewall to prevent any outside access.
22. If I currently have an automatic debit for a bill coming
out of my checking account, should I cancel this debit and use
my new Bill Payer program?
It is recommended that you NOT cancel any auto debit UNLESS your
new
Bill Payer
program has the ability to electronically remit
this payment to your payee. To determine if your payee is
electronic with your new
Bill Payer
program, simply call the
service and this information will be provided to you. Payees
who have their own debit program will often times not ALLOW 3rd
party processors to remit payments to them. Our main
concern is that your bill be paid in a timely manner and safely.
Some typical payees are, Insurance companies, Utility companies
and Mortgage companies. Some other considerations….auto
debits come out of your account on your ‘due’ date, therefore,
you have the advantage of the float until then. With the
Bill Payer
program, your payment will be deducted from your account on the
‘process date’, which should always be a minimum of 5 business
days BEFORE your due date.
23. Does the Bill Payer system offer a payment guarantee?
No. Unfortunately, we do not offer a
payment guarantee. Once the payment is remitted, we are
unable to control the posting cycle. We do, however,
provide support for
Bill Payer
issues. In most cases, we are able to successfully have
late charges and credit standings corrected.
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