Bill Pay

Bill Pay Video Expedited Payments e-bills Cut-Off Times FAQs

Give Bill Payment a Try

Bill Payment may be added in the auto enrollment process or simply by selecting "Bill Pay" in Exchange OnLine to add the feature. A staff member will contact you once your request is processed.

Bill Pay FAQs

Expedited Payments

With this feature, you may make a last-minute payment via Exchange OnLine Bill Payment and still get it there on time. For a small convenience fee, you gain peace of mind that your payment is being made in a secure, confidential environment while avoiding costly late fees or a black mark on your credit rating.

Visit our Expedited Payments FAQ for more information. Getting started is easy!

If you are already a “Bill Pay” user in Exchange OnLine, simply:

Log into Exchange OnLine

Go to the "Bill Pay" page, find the payee to expedite payment to, click the down carrot next to the payee, and choose "Need to pay it faster?"

Complete your payment information and you are done!

If you are already using Exchange OnLine; however, have not yet tried the convenience of Bill Payment, simply:

Log into Exchange OnLine.

Select "Bill Pay" from the top menu.

Enter the information requested to register for the “Bill Pay.”

Once your enrollment is confirmed, click the "Bill Pay" page, set-up the payee, then click the down carrot next to the payee, and choose "Need to pay it faster?"

Complete your payment information and you are done!

If you are not currently registered for Exchange OnLine, simply:

Click on the Consumer Login green tab at the top of the screen and choose "Enroll."

The online enrollment process will include an option to enroll in Bill Payment.

Once your enrollment is confirmed, click the "Bill Pay" page, set-up your payee, click the down carrot next to the payee, and choose "Need to pay it faster?"

Complete your payment information and you are done!

e-bills

Consolidate your e-bills.
Eliminate paper bills.
All at no charge with e-bills located within the Bill Payment section of Exchange OnLine.

E-bills allow you to receive bills online conveniently in the Bill Payment area of Exchange OnLine, making the payment of your bills easier and more convenient.

Payees that offer an electronic bill option are identified with a "Setup ebill" link found by clicking on the down carrot next to the Payee on the “Bill Pay” page.

Before adding an e-bill in Exchange OnLine, you must first have established a UserID and Password at the site of the biller which you wish to add.

Applicable Cut-Off Times

Bill payments, including expedited payments, submitted before 8:00 PM CST will be considered submitted the same business day.

Bill Pay FAQs

Accounts Used to Pay your Bills

Login to Consumer eBanking. Click on "All" icon - "Accounts" - "Payment Accounts." The accounts that appear on the page are those that are eligible for Bill Pay or People Pay (if applicable). Go to the "Use for Bill Pay" column and click on the account you would like to add. A checkmark will appear. Click "Submit."

Changing which Account is Set-up to Pay Bills.

Deleting an Account that is Set-up to Pay Bills.

Login to Consumer eBanking. Click on "All" icon - "Accounts" - "Payment Accounts". The accounts that appear on the page are those that are eligible for Bill Pay or People Pay (if applicable). Click on each account you would like to delete and then click "Submit."

Changes are immediate and will be reflected right away on the "Pay Bills" page.

Login to Consumer eBanking. Choose "Bill Pay" icon - "Pay Many". Search for and select the payee you want to pay. It will turn the box the payee is in to yellow. On the lower left hand corner of that box is the account that you will pay out of. If you'd like to select a different account, click the small black arrow after the account, and the other accounts you have set up will appear.

After your payments are completed, look at your "Activity Tab" (Pending Payments) and make sure all payments you made are showing. Make sure the account you paid from is listed (below "Go to Reports") or "All Accounts" is listed. If it is missing from the list, the payment did not take.

If you would like to verify the payments are coming out of the correct account number in your Activity Tab (Pending Payment), click on "Edit text." This will allow you to see further details.

e-Bills FAQs

This feature is in the "Bill Pay" section of Exchange OnLine. To begin using this feature, click on the Set up e-bill link for the payees for whom you would like to receive electronic bills.

Please note that not all payees are able to do e-bills. Only those payees with "Set up e-bill" in the drop-down are compatible with e-bills.

When you add a new payee that works with e-bills, Exchange OnLine inquires if you would like to receive e-bills from that payee during the set-up process.

Electronic bills are retrieved using two different methods:

1. Bill information retrieved from the Web site of the payee. (Indirect e-bills)

In order to retrieve bill information, users must enroll for online access at the Web site of the payee first (i.e. to receive an Alliant Energy e-bill, the user must be registered at Alliant Energy’s Web site).

2. Bill information is retrieved through a direct relationship we have with the payee. (Direct e-bills)

When a bill is set up for a payee via this method, customers are asked to provide information such as: last bill date, amount and billing cycle (the information varies by payee).

This information is used to validate your ownership of the account with the payee and to inform the payee that you have requested the e-bill service with us.

During the set-up process

After the initial verification of your identity is complete, your Payee Details Screen will appear. A confirmation message will appear at the top of your screen that says: "Thank you for requesting to receive your bill from VENDOR NAME as an e-bill. If you don't receive your first e-bill in 1 to 2 billing cycles, please contact us."
Your Payee drop-down screen will indicate "Setting up e-bill."

Upon Completion

The length of time for completion varies by the biller. Upon final set-up:

Your payee will indicate "Awaiting e-bill" and have an "e-bill" icon next to.

Credential failure

If the username and password information you enter for the payee’s Web site is invalid, the system will display an error message. Try resubmitting the request.

Please note: after too many attempts, you may get locked out of the payee Web site depending upon how many validation attempts they make and how many attempts the biller allows at their site.

Site or network errors

Your username and password information may not be validated because of a temporary problem in communicating with the payee’s site. In this instance, you may choose to:

1. Cancel - None of the payee data is saved. Please retry adding that payee at a later time.

2. Continue - The Bill Payment system will store the payee login credentials and will attempt to validate the credentials later.

1. By default, payees are set to "Manual Payment" and an email is sent to your established "Alerts" email address in Exchange OnLine alerting you that a bill has been delivered to Exchange OnLine.

This email includes information on your bill including:

Payee name and address
Current balance
Minimum payment
Due date

You may change your e-bill notifications in the "More" Menu > "Customer Service" > "Alerts" > "Bill Payment Alerts."

2. As e-bills are delivered, a yellow attention indicator also informs you of its receipt on the top of the Bill Pay page and next to the payee that has an e-bill available. Clicking on the link next to the indicator on the top of the page opens a pull-out showing the e-bill that has arrived, the amount due and when it is due.

Historical, manual, automatic and recurring e-bills may be viewed by clicking "View payment history" in the Payee drop-down screen.

When your e-bill arrives, you may view it by clicking "View eBill" after clicking the green "e" within the payee area.

You may view all of your e-bills by clicking on "View payment history" in the payee drop-down. Click on the particular bill to view an image, payment history and status.

Depending on how your biller provides the information, the bill may be in HTML or PDF format. Use the Acrobat toolbar provided or your browser menu to print or save the bill to your PC.

If you are receiving the following message "An image of this bill is not available, but you can still make a payment" when trying to access a National Exchange Bank & Trust loan e-bill, please contact us by choosing Support > Contact Us within the "All" menu or call your local office so that we may change your loan billing settings to allow for your images to be available.

This link appears if there is maintenance that needs to be done on a payee’s record (for example, your password may have been changed on the payee Web site). You may also get this if there is a credential error when verifying your username and password with the payee’s site during set-up.

The links below the red alert enable you to edit the payee for the e-bill setup or retry set-up.

It is easy to pay your bills from either the Bill Pay page or when viewing your e-bill.

When viewing your bill, just click "Pay bill".

You have three choices on how to schedule your e-bill payments:

Manual: An email alert is sent to you when a bill arrives, allowing you to review the bill and issue a payment. This is the default way to pay your bills presented online.

Auto Pay - In Response to an e-bill: You can setup your own rules for how to pay a bill when it is received. Automatic payments get made every time a bill is received, without requiring you to approve the payment each time. You can choose to pay the full amount on the bill, pay the minimum amount due or pay a fixed amount each month regardless of what amount is billed. In addition, you can choose to receive an email alert if the payment amount exceeds a specified amount.

Auto Pay - At Regular Intervals: You can establish a schedule for paying your bills for a fixed amount and frequency regardless of receiving a bill. For example, a mortgage company may provide you with a coupon book instead of monthly bills. The recurring payment can be set up to pay the mortgage company each month.

An automatic payment may be set up to go out every time a bill is received, without requiring approval of the payment each time. In the Payee drop-down area, simply click "Set up auto-pay" and then choose "Set auto-pay in response to an e-bill."

You may choose to:

pay the full amount billed,
pay the minimum amount due on the bill, or
pay a fixed amount each month regardless of what amount is billed.

If you have an automatic PAYMENT set up at your biller’s site, you will receive an "Action Needed" error during set-up.

Please cancel that auto-payment at the biller’s site to create an e-bill in Exchange OnLine.

Please note that automatically paying a bill at a biller’s site is not the same as receiving e-bills from the biller. If you are already receiving e-bills from your vendor and want to receive them through Exchange OnLine, simply follow the standard Set-up e-bill process.

Even though a payee is successfully set up for e-bills, the paper bill may still be sent to you. Some payees will turn off the paper bill when an e-bill is activated and some will not.

If you are receiving your National Exchange Bank & Trust loan bill via the US Mail and would prefer it to be only electronic, you can change your preference in Exchange OnLine.

If you are already receiving other eStatements, simply go to the "All" Menu then choose Settings > Document Delivery within Exchange OnLine. Select "Online" for the Loan Account Statement you are currently receiving via the mail.

If you are not currently receiving any eStatements from the bank, to the "All" Menu then choose Settings > Document Delivery within Exchange OnLine. You will be walked through the eStatement set-up process where you can select all or specific accounts to convert to eStatements.

Once you have converted your statement to electronic, you will be able to view your bill in the Bill Pay screen after your next cycle.

If you receive both a paper bill and an electronic bill, please pay special attention to avoid making duplicate payments. Some payees may offer the option of turning off the paper bill as a preference on their Web site.

Expedited Payments FAQs

With the Expedited Payments feature, you can make a last minute payment to anyone, using funds available in your account at the time you send the payment, anywhere in the continental United States and faster than ever before. And since Expedited Payments is part of National Exchange Bank & Trust’s Online Banking product Exchange OnLine, you can enjoy the convenience of paying all of your bills in one location.

Our Expedited Payment feature provides you two options to make your payments.

Overnight checks.

These checks can be delivered to almost any payee the next day. In addition, when you confirm this payment, you will receive a FedEx tracking number that you can use to verify the receipt of your payment.

Electronic payment.

This option is available for any payee to which we currently send electronic payments. When you setup your expedited payment, the system will display the payment options that are available for you for the specific payee.

The address that is used for regular payments is stored in the system. You are asked to enter or edit the payment mailing address that is provided with the bill. Sometimes billers indicate a special address to use for payments delivered via an overnight service. If the address is a P.O. Box, you will need to contact the payee to identify an address to use for payments received via FedEx.