Are my payments guaranteed?
With the CheckFree Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through CheckFree, you are protected in the unlikely event of unauthorized transactions or processing delays. For more information, go to www.checkfree.com/checkfreeguarantee.

Who can I pay using my Online BillPay service?
You can pay anyone in the US that you would normally pay by check or automated debit, except State and federal tax payments and Court-ordered payments.

What is a payee?
The "Payee" is the person or business of whom you are sending a payment.

How do I set up a "payee"?
Go to "Payee Set Up" and find the company you are looking for or click on "I cannot find my payee on this list" and then enter in the information required. You must have the billing information in front of you including your account number and the payee phone number.

What if I receive a late fee for a payment?
If you have received a late fee on a payment that you scheduled on time, follow these steps:

1. Call the payee's customer service department.
2. When you call be sure you have the following information:
   • The name of the person who assisted you with your payment question.
   • The phone number you called to contact the payee.
   • The date you called the payee to inquire about the late fees.
   • The amount of any late fees or finance charges assessed.
3. Ask the payee to waive any fees or finance charges.
4. If the payee will not waive the fees or charges, find the payment in "Payment History" and click "Inquire" to send a message about the payment.

How can I confirm that a payment has been made?
Check "Payment History" to see the status of the payment.

How do I know what the status of my payment is?
In the "Payment History" the following describes the statuses:

• Scheduled indicates that the payment is scheduled to be made.
• Processed indicates that the payment is being processed. Payments can start processing as early as five business days before your scheduled payment date or on your payment date. Normally, the payee receives the payment on the payment date and credits your account. Keep in mind that sometimes the payee may take a few days to credit your account.
• Canceled indicates that you canceled the scheduled payment.
• Failed indicates that the payment was returned to us either because their was a problem when we tried to deduct the payment from your account, or because the account information sent with your payment was not enough for us to credit your account.

How do I edit or cancel a payment that I scheduled?
From "Payment History", you can only change or cancel your payment if the status is Scheduled. If the status shows as Processed, you will need to contact the payee.

How far in advance of the due date should I schedule my payments?
Schedule your payments to be paid at least five business days before the actual payment due date. For example, if you have a bill due on the 15th of the month, schedule the payment date as the 10th of the month or earlier if the time period includes any weekends or holidays. The payment date is the day the payment begins processing. Scheduling pay dates sufficiently in advance of the due date on the bill allows enough time for the payee to receive the payment and credit it to your account.

What is an e-bill?
An e-bill (electronic bill) is an electronic version of a paper bill that you can view online thru Bill Pay.

How do I receive e-bills?
You can receive e-bills from payees that are e-bill capable. E-bill service requests are usually processed within two weeks. New e-bills appear on the E-bills page.

How do I know when I receive a new e-bill?
The Unpaid E-bills page lists your new e-bills. A notice will appear on the Welcome page that will let you know when a new e-bill arrives.