Education & Tools

Online Bill Pay is an optional feature of Online Banking. Online Bill Pay offers you the ability to pay your bills through your personal computer and also provides you with the convenience of receiving, viewing and managing your bills at the same online location.

Bill Pay is FREE for all Gate City Bank customers!

Online Bill Pay allows you to manage all your bills in one convenient location. You will save money on stamps, checks, and envelopes and save time by scheduling future or automatic payments. Plus, you will have access to your transaction history and pending payments anytime you want.

Yes. Click here  to view our demo.
Click here  to print the quick start guide

1. New Online banking users - Begin the Online Bill Pay registration on your Online Banking registration form. You will complete the process during your first Online Banking login. Register  today.
   Existing Online banking users - Log into Online Banking and click on Bill Pay. Complete the Online Bill Pay registration form and submit it. Login to register.
2. An e-mail will be sent indicating your Online Bill Pay activation has been completed.
3. You are ready to start using Online Bill Pay immediately to set up your payees and to schedule payments.

Pay virtually any company or any person in the United States. Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are not permitted. In addition, the following payments are discouraged, but may be scheduled at your own risk:
 

• tax payments to the Internal Revenue Service or any state or other government agency
• court-ordered payments, such as alimony or child support
• payments to insurance companies

You will be invited to manually add a payee if the search or browse is unsuccessful. To set up the payee, just enter their name and address.

Yes, just click the "This payee does not have an account number" checkbox on the Add Payee page and click Continue. We will then ask you for the payee's remittance address.

Payments can be made manually or automatically:

1. Automatic payment in response to an e-bill:
   
   An automatic payment in response to an e-bill is a payment that you set up to go out every time you receive this e-bill without requiring your approval each time. You can pay the full bill, pay the minimum due, pay nothing and file the bill, or create your own rule for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:
   
   
   • Pay the entire bill if it is $200 or less. Pay nothing and send an e-mail notification if it is more than $200.
   • Pay the minimum amount due every month.
   • Pay nothing and send an e-mail notification.

   You can also select when to pay the bill--either when the bill arrives or a designated number of days before the bill is due (10 is the default). You will receive an e-mail notification when an automatic bill has been paid.

2. Automatic payment at regular intervals:
   
   This type of automatic payment gets paid by establishing the interval when the payment should be made, along with the supporting payment details. You specify the amount, the frequency, the start date and the end date or the number of payments to make (for due date models it is number of payments instead of end date). Based on the duration of the loan you could also establish the end date of the automatic payment rule. For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.

3. Manual payment:
   
   This rule means that you do not wish to set up an automatic payment. Instead, you would manually issue a payment every time we receive one of your bills or when your bill is due. This is the default payment rule for each payee you add.

Funds will be withdrawn from your account electronically within two days of the send on date. It is important to ensure that you have the funds available in your account before the send on date.

We issue standard, approved payments against your checking account. Just as with a paper check, you have to maintain sufficient funds in the account to cover all payment obligations. We are unable to notify you if you have insufficient funds. Please note that you may be charged an NSF fee for payments that are returned for insufficient funds.

Yes. Only 1 checking or money market account can be selected on the registration form, but additional accounts can be added after you have established your Bill Pay account. 

Simply contact us to add or change funding accounts.

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send on date at least 5 business days in advance of your bill due date.

So, for example, if your payment is due to the payee on the 15th of the month and you set the payment date in advance as the 10th, we will mail the check to your payee via first class mail. The money will be deducted from your account within 1-2 days of the send on date you provide.

If you wait until the 10th to set the payment to go out, you must authorize your payment before 9:00 PM CT. (If you schedule the payment after 9:00 PM CT, your payment will be issued the following morning.)

 

For payees who can accept Electronic Funds Transfers (EFT), we recommend that you set the send on date at least 3 business days in advance of the due date. If you authorize payment in advance, your EFT will be sent after 9:00 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 9:00 PM CT. Please note that some EFT transactions may clear your account the same day they are issued. Be sure your account is funded in advance to avoid non-sufficient funds charges.

E-bills are any bill that you receive in your Bill Inbox. If your payee offers e-bills, simply enter your ID and password for that payee to begin receiving e-bills. If you have not established an ID and password with your payee, you will be directed to their site to do so.

The Report feature allows you to do a variety of tasks quickly, such as retrieving filed bills, analyzing spending habits and researching payment dates. In addition, you can download report data into most popular personal finance programs, including Quicken, MS Money, and Excel. To create a report, click the Customize a report link under the Report main navigation button. Then select the criteria for your report, including the timeframe, payees to include and how to sort the results. Finally, click Generate Report to view the results.

Yes. The information you download is compatible with many of the leading personal finance programs, including Quicken, Microsoft Money, and Excel. To download a report into any of these programs, select the program you want to download into and then click Download.

After the download is complete, use your personal finance software to open and manipulate the data you've downloaded.

Yes. You can edit or cancel any pending payment in your make payments screen.
Note: you may not edit or cancel a payment that has already been sent.

We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send on date that is at least 5 business days before a bill due date. This will allow a paper check issued on your behalf to arrive at your payee on time. For payees that accept Electronic Funds Transfers, you should schedule the payment 3 business days in advance of the due date. However, you should be sure that your checking account is funded on the day you issue payment, as some EFT payments are posted to your payee's account on the same day.

Contact us with the following information:

 

• Payee's account number
• Payee's address
• Payee account/policy number
• Payment due date
• Late Fees
• Payee phone number

Contact us to find out if a stop payment can be placed. If a stop payment cannot be issued, you may need to contact the payee who received the payment.

Note: If the payment is pending and has not been sent, you can cancel the payment and set up a new payment to the correct payee.