Online Bill Pay FAQ's

Get answers about Online Banking Bill Pay.

Online Bill Pay

Is Bill Pay free?

Yes. BankAtlantic offers online Bill Pay service for free…there’s no intro period with fine print…it’s free for both personal and business checking account customers. Using your BankAtlantic checking account, Bill Pay lets you schedule and make payments without the hassle and cost of envelopes and stamps.

 

  • You can receive and pay your bills online
  • You can also set up automatic payments, such as a car payment or rent
  • You can schedule payments up to one year in advance

 

Who can I pay using BankAtlantic's Bill Pay service?

  • You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your babysitter
  • The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments

How do I use Bill Pay?

There are two basic steps involved in using Bill Pay to make online payments:

  1. Set up your billers
  2. Schedule payment

When you first begin using the service, set up your billers list by adding the billers to whom you want to make payments. Some billers can also send electronic bills (E-bills). You only need to add each biller once. All of your billers are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.

When you make a payment, you specify the date that you want the billers to receive the payment. You can make payments on the same day you schedule it to a significant number of billers. The Bill Pay service determines whether a payment is sent electronically or by check, based on whether the biller accepts electronic payments and other guidelines.

After a payment is scheduled, it appears as Scheduled in Bill History. After the payment is processed, the status changes to Processed. The biller receives your payment on the payment date you specified and credits your account. Sometimes, however, the biller may take a few days to apply the payment to your account.

 

How far in advance do I need to set up payments?

Although many merchants are set up for same-day payment, to ensure that your bills are paid timely, please consult with the dynamic calendar tool. The calendar, when selected, appears in a pop-up box over the Payment Center. The calendar automatically highlights the current date, and shows the earliest available payment dates over the next two months.

 

When are Bill Pay funds withdrawn from my account?

Funds are not withdrawn from your account until the pay date.

 

What features are included in the Totally Free Bill Pay service?

By signing up to use Bill Pay, you'll be able to pay anyone you pay now, and have bills delivered to you online with the E-bill service. Plus, you can set up Automatic Payments which pay any of your monthly bills of specified amounts on a recurring schedule.

 

How do I cancel, delete or make a change to a Pending Payment?

In the Payments Center Pending Payments list, you can cancel/delete or change/update a pending payment.

  1. Go to Payments Center.
  2. Locate the payment in the Pending Payments List.
  3. Click Change or Cancel next to the appropriate Pending payment.
  4. A new window will appear. Make the necessary changes.
  5. Click SAVE CHANGES to complete.

Please Note: Bill History can also be used to cancel, delete or change an individual Automatic Payment and Pending Payment that has not begun to process.

 

How do I cancel, delete or make a change to an Automatic Payment?

In the Payments Center Manage My Bills page, you can cancel/delete or change an automatic payment and all associated future payments. To delete a payment that is based on an automatic payment and has a scheduled status, go to Manage My Bills and select the specific payment you want to delete.

  1. Go to Payments Center.
  2. Click Manage My Bills.
  3. The Biller Name drop down box opens.
  4. Choose the appropriate Biller Name. A group of tasks will be presented to you.
  5. TO DELETE: Click Delete automatic payment. Click OK to delete payment. Any scheduled payments based on the Automatic Payment are canceled and no more payments will be made in association with the Automatic Payment schedule.
  6. TO CHANGE: Click the appropriate task. Make the required changes to the payment.
  7. Click SAVE CHANGES to complete.

Please Note: The Pending Payments list and Bill History can be used to cancel, delete or change an individual Automatic Payment that has not begun to process.

What is an E-bill?

An E-bill is a statement or invoice in an electronic format. E- bills typically contain the same information as your mailed bills.

Some billers that you set up in our Bill Pay service may be able to send E-bills to their customers. If you add a biller that can send E-bills, you have the opportunity to request E-bills from that biller.

After your request has been authorized, you'll receive an E-bill from the biller within a month or so, depending on the biller's billing cycle. You can pay the E-bill directly, and continue to make single payments to the biller whenever you need to.

If Automatic Payment is available for a biller that can send E- bills, you have the option to select it. Automatic Payment pays E-bills by scheduling the payment date in time for the biller to receive the payment by the E-bill's due date. Automatic Payment pays the E-bill's minimum amount due. When you set up Automatic Payment, you can select to automatically pay the E-bill regardless of the payment amount, or you can select to set a limit on the amount automatically paid.

How can I confirm a payment has been sent?

Check the status of a payment in the Bill History section of Bill Pay. If a description states "processed," your payment has been made. The biller receives your payment on the payment date you specified, and then credits your account. Sometimes, the biller may take a few days to apply the payment to your account.

 

Are my bill payments guaranteed?

BankAtlantic guarantees on-time payments. If a payment is late, contact the 7-Day Customer Service Center at 1-800-741-1700 to notify us. BankAtlantic will bear the responsibility for any late-payment-related charges up to $50. For complete information about our Bill Pay on-time guarantee, please review our  Online Banking Bill Pay Terms and Conditions.  

 

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