Online Bill Pay
Getting Started
What is OnLine Bill Pay?
OnLine Bill Pay lets you pay your bills online through
Alcoa Tenn Federal Credit Union. 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.
Quick Facts about OnLine Bill Pay
You can pay all of your bills at the Payment Center. You
can also see a summary of your pending payments and the
payments you've made in the past 45 days.
You can receive some of your bills online in OnLine Bill
Pay. You can view and pay these bills at the Payment Center.
You can set up automatic payments to pay your electronic
bills or to automatically schedule payments of a set amount
at regular intervals.
You can review your bills and payments for the past six months.
You can also export your payment information to Quicken®.
How does OnLine 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 OnLine 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.
Tip: When you enter an amount, OnLine Bill Pay automatically
displays the earliest date you can select for the company
or person to receive the payment in the Pay Date box. You
can either accept this date or change it to a later one.
You can pay as many bills as you want at the same time from
the Payment Center.
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 six months, including electronic bills and the
bills that you pay automatically.
How secure is my bill payment and personal information?
OnLine Bill Pay uses several methods to ensure that your
information is secure.
SSL—OnLine Bill Pay uses SSL (secure sockets layer)
which ensures that your connection and information are secure
from outside inspection.
Encryption—OnLine Bill Pay uses 128-bit encryption
to make your information unreadable as it passes over the
Internet.
Automatic Sign Out—OnLine Bill Pay automatically signs
you out of a session if you are inactive for a predefined
time (usually 10 minutes). It is best if you sign out immediately
after you finish your tasks in OnLine Bill Pay.
Which browsers should I use to access OnLine Bill Pay?
For best performance, we recommend you use one of the following
supported browsers:
Microsoft Internet Explorer 6.0 (Windows
XP)
Microsoft Internet Explorer 7.0 (Windows
XP)
Firefox 2.0 (Windows
XP)
Apple Safari 2.0.x (Mac
OS X 10.4.x)
While other browsers may work with OnLine 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 OnLine Bill Pay features
to function properly.
How do I change my browser?
Changing your browser to a currently supported version
is easy. You can download a browser from the following Web
sites:
Microsoft Internet Explorer 6.0 (download for Windows XP)
Microsoft Internet Explorer 7.0 (download for Windows XP)
Firefox 2.0 (download for Windows XP)
Apple Safari 2.0.x (download for Mac OS X 10.4.x)
When the download is complete, follow the instructions to
install the browser. After it is installed, you may want
to select it as your default browser.
Can I use assistive technology to access OnLine Bill Pay?
Yes, we've incorporated several enhancements based on priorities
one and two of the World Wide Web Consortium's Web Content
Accessibility Guidelines. These enhancements aim to make
OnLine Bill Pay more accessible to assistive technology
users.
Tips for Screen Reader Users
The following features may help you navigate OnLine Bill
Pay more easily:
Skip to Main Content Links—These links allow you to
skip the page banner and the redundant navigation links and
go directly to the main page content.
Link Titles—If a link opens a new window, you are alerted
in the link title. Most of the links have descriptive labels,
but we provide additional information in the link title if
necessary. For this reason, we recommend that you set your
screen reader to read the link title attributes.
Table Summaries—Whenever information is presented in
a table format, we provide a brief description of the contents.
Font Sizes—The fonts can be resized without significantly
changing the layout of a page.
Recommended Browsers
For best performance, we recommend you use one of the following
supported browsers:
Microsoft Internet Explorer 6.0 (Windows XP)
Microsoft Internet Explorer 7.0 (Windows XP)
Accessing the Payment Assistant
The Payment Assistant is a dynamic layer that provides payment-related
information and links to certain features. The Payment Assistant
and some of the application frames accessed from it use a
presentation that may not be available to screen readers
and other assistive technology tools at this time. However,
you can access the same information and tasks on alternate
application pages using the following table.
Task Related Page
Review pending and recent payments Go to the Payment Center
or Bill History.
Enter the pay date Type the date in the format mm/dd/yyyy.
Update biller information Go to Manage My Bills and select
a biller.
Review electronic bills that are currently due Go to the
Electronic Bill Summary by clicking on the bill due icon
on the Payment Center.
Sign up for electronic bills Go to Manage My Bills and select
a biller.
Stop receiving paper bills Go to Manage My Bills and select
a biller.
What are Terms & Conditions?
The Terms & Conditions are a complete and exclusive statement
of the agreement between you and Alcoa Tenn Federal Credit
Union regarding your OnLine Bill Pay service. The Terms & Conditions
document contains information about authorization, liability,
and limitation issues when using OnLine Bill Pay. In the
event of a dispute regarding OnLine Bill Pay, you agree to
resolve the dispute by looking to the Terms & Conditions
document.
The Terms & Conditions document provides details about
the following items:
Payments that are prohibited.
Password and security information.
Your liability if unauthorized transfers occur.
Errors or questions about your transactions.
Situations in which your account information can be disclosed
to third parties.
Charges assessed based on services provided.
Service transactions that are returned.
Notification requirements for termination or discontinuation
of the service.
Types of payments and limitations on billers.
How do I sign up for Online
Bill Pay?
Signing up for Online Bill Pay is easy and efficient. Just
long into Online Access, click the "Pay Bills" link and we
will lead you through the enrollment process.
What does Online Bill Pay cost?
ATFCU is pleased to offer Online Bill Pay FREE to all members.
Do I need any special software or hardware to use Online
Bill Pay?
To use Online Bill Pay you will need to have a browser installed
on your computer, which is capable of 128-bit US security
encryption. This is sometimes referred to as 128-bit strong
encryption. If you do not have sufficient browser encryption,
you will receive an "Insufficient Browser Encryption" error
message when you try to log on to Online Bill Pay. In addtion
to the error message, you will be provided with links where
you can obtain the required browser versions.
Attention Mac Users: For users of operating
systems releases prior to OS10.3, there are special browser
considerations. To ensure compatibility in the new Bill Pay
system with previous Mac OS versions, we recommend a Netscape
browser release 7.0 or higher available at: http://channels.netscape.com/ns/browsers/archive.jsp.
For information about upgrading to OS 10, please go to http://www.apple.com/support/downloads.
Is Online bill Pay complicated to use? What does it look
like?
Online Bill Pay is easy to use. You can view a demonstration here.
Will I have a separate password for Online Bill Pay?
No. Once you have logged into ATFCU's Online
Access, you
will be able to access your Online Bill Pay account.
Who can I pay using Online Bill Pay?
You can pay virtually 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. However, you may not use the
service to pay taxes or any court ordered payments; such
payments are scheduled at your own
risk and not supported by ATFCU.
Which bills can't I pay with Online Bill Pay?
You cannot use Online Bill Pay to pay any company or person
with an address outside the United States or its territories.
We do not support court-ordered payments or state or federal
tax payments and doing so is at your own risk.
Do I need to contact the companies or people that I pay
if I choose to pay my bills with Online Bill Pay?
No, you do not need to contact the companies or people that
you pay if you use this service. We make the payment based
on the information you provided when you added your bill.
If we have already established a relationship with a company
or person you want to pay, we may send the payment electronically
or to a location specified by the biller. Otherwise, we print
and mail a check to the address you provided. If you enter
your account information, we send it with your payment so
that the company can credit your account properly.
What should I do if I pay more than one bill to the same
company?
Add a bill for each separate account you have with the company.
For example, if your phone company provides your home phone
service, your wireless phone service, and your Internet service,
you can add the company to your list of bills three times,
each time with a different account number. If your phone
company consolidates all of the information on one bill and
provides you with one account number, you only need to add
the phone company to your list of bills once.
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