Online Bill Payment :: FAQs about us :: Mass Mutual Federal Credit Union

FAQs about us...Online Bill Payment

Click on one of the questions below to see the answer.

Is there a fee for Bill Payment?
When is Bill Payment available?
Can I use Bill Payment from outside the U.S.?
Can I pay bills to Payees outside the U.S.?
What do Payees actually receive?
Who can be paid using the Bill Payment service?
Is it possible to schedule recurring payments?
What is an e-bill?
Can I use Bill Payment with all of my accounts?
How is my account debited?
What is an ACH?
Can I get a copy of a check that was sent within Bill Payment?
How do I add a Payee?
How do I update a Payee's account number?
If I schedule multiple bill payments for a single day, will my account be debited as a lump sum or separately for each bill payment?
What if I do not have sufficient funds on the day Metavante, our Bill Payment service provider, debits my account?
If I make an error in selecting an electronic Payee and it results in a late fee, am I responsible for the charges?
How do I place a 'stop payment' on a Bill Payment?

Is there a fee for Bill Payment?

Bill Payment is free, but there is a dormancy charge of $5.00 per month, which would be assessed if there is no use in 30 days. For new users, the dormancy charge is waived for the first two months.

When is Bill Payment available?

You may schedule payments twenty-four hours a day, seven days a week.

Can I use Bill Payment from outside the U.S.?

You may pay bills from outside the U.S. if you are using a compatible browser. Payment may only be debited from U.S. bank accounts and may only be made to Payees inside the U.S.

Can I pay bills to Payees outside the U.S.?

No. Payments cannot be made to Payees outside the U.S.

What do Payees actually receive?

Electronic Payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual Payees receive a laser-printed paper check sent through the U.S. Postal Service.

Who can be paid using the Bill Payment service?

Anyone in the fifty United States and territories who can accept a check, with the exception of tax payments (such as federal, state, and local), court-directed payments (such as alimony and child support) and any other government-related payments.

Is it possible to schedule recurring payments?

Yes. You can schedule weekly, bi-weekly, and monthly recurring payments.

What is an e-bill?

An e-bill allows Metavante, our Bill Payment service provider, to securely retrieve your bill from the Payee's website, so that the bill can be presented to you with the most accurate and timely information possible.

Can I use Bill Payment with all of my accounts?

No, only checking accounts can be used for Bill Payment purposes.

How is my account debited?

If the Payee is being paid with either a paper check or an electronic payment, the amount of the payment will be deducted from your account within 2 business days of the payment processing date.

What is an ACH?

ACH stands for Automated Clearing House, which is a funds transfer system that provides for the interbank clearing of electronic entries for participating financial institutions.

Can I get a copy of a check that was sent within Bill Payment?

Should you or the Payee need proof of payment, a copy request can be done by contacting one of our Member Service Representatives. Note: We can provide a photo copy of an item sent as a check, but items sent electronically would only have the data on the file sent to the Payee.

How do I add a Payee?

To add a new Payee to your account, click the "Add Payee" link under the "Payees" main navigation button within Bill Payment. The "Add Payee" page will appear with instructions for adding the Payee.

How do I update a Payee's account number?

To update a Payee's account number, click "Payee List" from your navigation links to display your list of Payees. Find the Payee for which you want to change the account number, and click on the Payee's name. Within the Payee information section, click the "Change Information" link to display the "Edit Payee" page. Enter the new account number and click "Save Changes." Note: Some account numbers are provided to us directly from your Payee to ensure accurate and timely electronic transactions. You cannot edit these account numbers. If you need to change one of these account numbers, please contact us.

If I schedule multiple bill payments for a single day, will my account be debited as a lump sum or separately for each bill payment?

Each bill payment is debited separately.

What if I do not have sufficient funds on the day Metavante, our Bill Payment service provider, debits my account?

Following is a summary of Metavante's insufficient funds procedure:
   - A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared.
   - Upon the first return, Metavante will automatically re-send all ACH returns under $500.00. Exception: debits for payments in which the credit portion was sent electronically will be re-sent regardless of the dollar amount without financial institution verification.
   - Metavante will contact the financial institution to verify all returns exceeding $500.00. If funds are available, they will re-send the return(s). If the funds are unavailable and if the payment was made by check, a stop-payment will be placed.

If I make an error in selecting an electronic Payee and it results in a late fee, am I responsible for the charges?

If you select an electronic Payee with an address that is different from that indicated on the bill/payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a Payee.
If you select an electronic Payee with the address that matches the address indicated on the bill/payment coupon, and Metavante routes the payment incorrectly, then Metavante will take responsibility for the late fee.