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FAQ - Bill Payment and Presentment Image

FAQ - Bill Payment and Presentment

Q: How does Bill Payment and Presentment work?

A: Payments are sent to your designated payees on the day you select (Send Date). Payments are sent either electronically or by paper check, depending upon the payee's ability to accept electronic payments. Electronic payments take up to two business days to reach your payee while paper checks may take up to 5 business days. Payments will be electronically deducted from your Kearny County Bank account on the Send Date. For your convenience, you have the option of setting up payments as one-time only or recurring.

Q: Is it possible to schedule recurring payments?

A: Yes. You can schedule payments once a week, once every two weeks, twice a month, once a month, once every 2 months, once every 3 months, once every 6 months, or once a year. The final payment of a recurring payment scheme may be designated by a final payment date or it may continue indefinitely.

Q: How do I register for electronic Bill Payment?

A: Bill Payment registration is easy! If you don't already have access to Online Banking, there is a simple one-step process which allows you to enroll for both Online Banking and Bill Payment at the same time. Once you have been approved for Online Banking, your application for Bill Payment will automatically be sent to the Bank for approval, and within minutes you can start paying your bills online. If you already have Online Banking access, you simply need to click on the Bill Pay button in the top navigation. The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. Once the disclosure is agreed to, complete the online registration form and within minutes, you will be able to begin paying your bills online.

Q: When I add a new payee to my Bill Payment and Presentment account, how quickly will the change take place?

A: As soon as the new payee setup process is completed, you will be able to schedule a payment.

Q: Can I receive an annual summary of my bill payments?

A: The Bill Pay product allows you the option to view and download payment history. You may choose from preselected viewing options (last 7 days, last 2 months, or last 6 months), or you may select your own customer viewing dates.

Q: Can I use electronic Bill Payment with all my accounts?

A: Only checking accounts can be used for Bill Payment purposes.

Q: How do I add a new checking account for Bill Payment?

A: You will need to contact a branch location to add a new checking account for bill payment.

Q: When is Bill Payment available?

A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my Bill Payment transactions reflected as Online Banking transactions?

A: Yes. All Bill Payment and Presentment transactions become part of your account transaction history and show up on your monthly account statement and Online Banking account histories.

Q: How do I add new payees?

A: You may add a new payee from the top of the main page in the "Need to pay someone new" box or from the bottom of the main page in the "Add a payee" box.

Q: How do I update a payee's account number?

A: To update a payee's account number, click on the "Options" dropdown menu to the right of the payee name and then click on Account Information. Type the new payee account number in the "Account Number” box and click Save.

Q: How do I update a payee's remittance address?

A: Click on the "Options" dropdown menu to the right of the payee name and then click on Account Information. Type the new remittance address and click Save. NOTE: If the Address fields are not editable and you see the words "The address is on file", don't worry. This means our Bill Pay vendor has a payment relationship with that payee and they get payment delivery instructions directly from them.

Q: How can I end online delivery of a bill and resume receiving my paper bill at home?

A: If for some reason you would like to stop receiving an eBill for a payee, unenrolling is simple. Locate the payee in your list and click the "Options" button to open the window. The window should open directly to the eBill tab. Click "Stop Receiving Electronic Bill". For payees from whose website we retrieve your bills, this process will simply end online delivery of your bill. If you have requested that your payee stop sending the paper bill to your home, you should contact your payee directly to resume receiving a paper bill.

Q: Can Bill Payment be used when I am out of the country?

A: Bill Payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Is there a limit to the number of Bill Payment accounts I can set-up?

A: Bill Payment and Presentment can support multiple funding accounts. However, additional accounts can be made available only upon request. See "How Do I Add a New Checking Account for Bill Payment?" for further instruction.

Q: Who can be paid using the Bill Payment and Presentment system?

A: Anyone in the 50 United States and territories who can accept a check can be paid using the Bill Payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online Bill Payment system.

Q: Can I pay my bills on the weekend?

A: You can set up your payments during the weekend. However, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the next business day and are debited from your account.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?

A: Each bill payment is debited separately.

Q: How is my account debited?

A: Your account is debited via ACH. The Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

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

A: If you select the wrong payee from your list of available payees or make a payment to a payee with an invalid remittance address, then you will be responsible for the late fee. If you make a payment to a payee with a valid remittance address, and the bank routes the payment incorrectly, then the bank will take responsibility for the late fee.

Q: How do I place a 'stop payment' on a bill payment?

A: A payment may be edited or deleted any time before the "process date." Payments that have been remitted electronically cannot be stopped. Stop payment requests for check payments must be directed to your local branch.

Q: How do I change the email address associated with my Bill Payment notifications?

A: Contact the local branch to update your Bill Payment email address.

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