Pay Bills

What Can I Do? Pay bills Pay an electronic bill Manage invoices

This section lists the bills you've added and can pay in Branch Business Bill Pay. You can add a bill to 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. This list includes the bills you receive electronically as well as those that you have set up to pay automatically.

Tip: If you want to pay a bill that is not in this list, you need to add the bill. Click Add a Bill to go to the Quick Add a Company or Person to Pay page.

Electronic Bills

If you receive bills electronically through Branch Business Bill Pay, an electronic bill icon appears next to the biller name.

This icon...	Appears when...
	You have an electronic bill that is due.
	One of the following conditions is true: You've added an electronic version of the bill, but you haven't received the first electronic bill. You're receiving electronic bills from the biller, but you don't have any bills due.

For more information, see Pay an Electronic Bill.

Note: If you've added a bill that you can receive electronically from the biller, the following icon appears: . Click the icon to go to the Add an Electronic Version of My Bill page.

Automatic Payments

If you've set up a bill to be paid automatically, the automatic payment icon  appears next to the biller name. You can select the icon to change the options for the automatic payment. For more information, see Changing an Automatic Payment.

Approvals

Payments made by Level 3 User must be approved before they are processed. Payments made by the Level 1 User or any Level 2 Users don't require approval. However, Level 2 Users can only approve payments for accounts that they have access to use. For more information, see Approving Payments.

Invoices

You can attach as many as 10 invoices to a single payment. Adding invoices allows you to track additional information for the payments, including any discounts that may apply. After you add the invoices, Branch Business Bill Pay displays the total invoice amount as the payment amount. You can enter a different payment amount if necessary.

Note: Because invoices cannot be attached to electronic payments, we send the payment by check, including all of the invoice information, in the U.S. mail.

Reminders

You can set up reminders to help you keep track of the bills that are due. After you set up reminders, you see the reminder listed below the bill in the Pay Bills section. Check the reminder to ensure you're making the payments on time. When a bill is past due, the Past Due status appears. The past due status is based on the reminder options you selected and the processing time required to make this payment. Past due reminders typically disappear 5 days after the bill's due date.

Groups

You can create groups to organize your billers to make them easier to find. For example, you can create a Utilities group to organize your electric, gas, and phone billers or a Consultants group to organize billers who provide consultation services. You can create up to 60 groups. For more information, see Adding a Group.

Groups are always sorted in alphabetical order. At first, all of your billers are listed in the Unassigned group. After you create a group, you can move billers to the new group. You can sort the billers within a group in ascending or descending order by clicking the arrow icon in the group's Biller Name column.

By default, all groups appear in the Payment Center. If you no longer need to see a group in the Payment Center but you don't want to delete it, you can hide the group. For example, a group might contain a list of billers that no longer need to be paid, but you want to keep the billers grouped together in case you need to review the payments.

You can also collapse a group to hide the list of billers and only display the group's name. You can expand the group if you need to view the list of billers.

Preferred Account

A preferred account is the account from which you pay most of the bills. When you designate an account as a preferred account, it appears first in the Pay From list by default. The preferred account applies to all users in the business. If you don't have a preferred account or you are not eligible to use the preferred account, you can choose the account to use when you pay bills.

Note: If you change the preferred account, the account you select becomes the preferred account for all users in the business. An unapproved account must be approved before it appears in the Pay From list.

To change the preferred account, select another account in the Pay From list. When you choose a different account, the Make Preferred Account check box appears so that you can select it for the new account.

Note: You must make a payment to designate a preferred account. If you select the Make Preferred Account check box but don't make a payment, the previous account selection continues to appear as your preference.

Payment Calendar

You can use the payment calendar to determine the pay date you can select to pay the bill. The calendar shows:

• The pay dates available in the current month. You can scroll to future months, if necessary.
• The earliest date you can select for the biller to receive the payment.
• The due date for your bill if you are paying an electronic bill or if you set up reminders for the bill you are paying.
• Whether the biller accepts payments on the same day or the next business day. (An asterisk appears on the current date or the next business date)

Earliest Available Payment Date

When you enter an amount, Branch Business Bill Pay automatically displays the earliest date you can select for the biller to receive the payment in the Pay Date box. You can either accept this date, or change it to a later one.

Note: If you add invoices to the payment, this date may change because the means of delivery may change. Invoices cannot be attached to electronic payments.

Paying Bills

You can pay one or more of the bills listed in the Pay Bills section.

To go to the Pay Bills section:

1. Click Payment Center on any page.
   The Payment Center opens.
2. Go to the Pay Bills section.

To pay bills:

1. In Pay From, select the account from which to withdraw funds for the payments.
   To make this account the default selection, select Make Preferred Account.
   Note: If you want to pay bills from more than one account, pay the bills from the account you selected first, and then select another account and pay bills from it.
2. Find the bill you want to pay.
   Tip: You can scroll through the bills list alphabetically in ascending or descending order by clicking the Biller Name column.
3. In Amount, type the amount you want to pay.
   Note: PSCU Financial Services sets a limit on the total dollar amount you can pay from an unconfirmed account. After you confirm an account, the limits are re-evaluated and usually changed.
4. In Pay Date, enter the date you want us to deliver the payment to the biller.
   Note:  PSCU Financial Services sets a limit (usually 45 days) on the total number of days you can make a payment from an unconfirmed account. After you confirm the account, you can enter a pay date that is up to a year in the future.
   Tip: Click the calendar icon to determine the pay date you can select to pay the bill.
5. Repeat the previous steps for each bill you want to pay.
6. Click Make Payments.
   Your payment information appears on the Review Payments page.

To review and confirm your payments:

1. Review the payment information.
   The Review Payments page shows the total amount for all payments you just made.
2. If the Memo box appears, you can type additional information to send with the payment (up to 34 characters).
   The memo is printed on the check that Branch Business Bill Pay sends to the biller. The Memo box only appears if Branch Business Bill Pay sends the payment by check.
3. In Check No., type a reference number for this payment.
   If you don't type a number, Branch Business Bill Pay assigns one.
   The check number is printed on the check we send to the biller. If we send an electronic payment, the check number is replaced by a transaction number.
4. Click Submit Payments.
   The Payment Confirmation page displays the confirmation numbers automatically assigned to each of the payments.
5. Click Note to add descriptive information to keep on file with the payment (up to 256 characters).
   You can add a note to any payment in Branch Business Bill Pay. The note isn't sent with the payment.
6. Click Print to print the payment confirmation.
7. Click Finished.
   The Payment Center opens.
   Tip: You can find the bills you just paid listed in the Pending Payments section of the Payment Center. When the payments are processed, they appear in the Recent Payments section.

Managing Invoices

You can attach as many as 10 invoices to a single payment.

Note: Because invoices cannot be attached to electronic payments, we send the payment by check, including all of the invoice information, in the U.S. mail.

To add invoices to a payment:

1. Click either Amount or Date in the Pay Bills section.
2. Click Add Invoices.
   The Manage Invoice Information page appears.
3. In Invoice Number, type a numeric identifier for the invoice.
4. In Invoice Amount, type the amount of the invoice.
5. In Invoice Description, type a description as a reminder of what the invoice is for.
6. If a discount applies, type the amount in Discount Amount and a description in Discount Description.
7. Click Add Invoice.
   The new invoice appears on the Manage Invoice Information page.
8. To add another invoice:
   • Click Add an Invoice.
   • Type the invoice information.
   • Click Add Invoice.
9. When you are done, click Save.
   The Payment Center appears and displays the total invoice amount as the payment amount. You can enter a different payment amount if necessary.

To change an invoice:

1. Click Manage Invoices in the Pay Bills section.
   The Manage Invoice Information page appears.
2. Click Change next to the invoice you want to change.
3. Enter the changes you want to make.
4. Click Save Changes.
   The updated invoice information appears on the Manage Invoice Information page.
5. Click Save.
   The Payment Center appears. If you changed the invoice amount, the updated invoice total appears as the payment amount. You can enter a different payment amount if necessary.

Tip: To change an invoice after you make the payment, go to the Pending Payments section of the Payment Center, find the payment, and click Change. On the Change Payment page, click Manage Invoices.

To delete an invoice:

1. Click Manage Invoices in the Pay Bills section.
   The Manage Invoice Information page appears.
2. Click Delete next to the invoice you want to delete.
   The invoice is removed from the Manage Invoice Information page.
3. Click Save.
   The Payment Center appears and displays the updated invoice total as the payment amount. You can enter a different payment amount if necessary.

Tip: To delete an invoice after you make the payment, go to the Pending Payments section of the Payment Center, find the payment, and click Change. On the Change Payment page, click Manage Invoices.