How do I enroll?
First, you must be enrolled in PCU home banking. Click on the "Enroll for BillPayer" button located on the top tool bar of the Welcome to BillPayer page. You will be required to read and agree to a disclosure agreement before the enrollment process may continue. You can then access BillPayer by clicking the "BillPayer" button on the left of your PCU screen.

Which accounts/suffixes can I use with BillPayer?
BillPayer can only be used in conjunction with your Clearview Checking account suffixes 8 or 9 which you choose at the time you enroll.

How much does BillPayer Cost?
BillPayer is now free! However, a monthly fee of $4.95 will be charged if no payment is made on a BillPayer account for 90 days.

Who can I pay?
Any individual or company you choose. For example, your utilities, mortgage, rent, paperboy, babysitter or any vendor you may choose. The only exceptions are any government agency. Including but not limited to federal, state and local taxing authorities.

Does BillPayer support members living outside the U.S.?
No. The BillPayer database and system are designed to support US postal addresses only.

How does it work?
It's easy! Schedule either one-time or recurring payment requests through a Clearview Checking account. On the scheduled payment date, your payment is processed by Clearview and is submitted to the vendor the following day. Payments are made electronically whenever possible. In some instances, if the vendor does not accept electronic payments, a check will be issued. BillPayer payees can be paid by either CHECK or ELECTRONIC transfer. To verify which method your payee uses, look for the "Payment Method" column in the Payees section.

If you have funds available by using overdraft protection (same as your checking overdraft protection), the payment will be processed using these funds. If there are not enough funds available, your payment will not be processed, you will be assessed a $25.00 fee, and you will need to reschedule your payment at a later date. If you have provided Clearview FCU with a valid Internet email address, you will be sent email notification, otherwise, your notification will
be mailed.

Again, you need to ensure that you have sufficient funds available on the day that you have payments scheduled. Our payment process does not give you the option or the time to "float" payments until the payee cashes the check! You should monitor your account available funds on days that you have payments scheduled. Also, keep in mind that some check and ATM deposits are not available immediately. If you anticipate problems, you may want to consider setting up overdraft protection on your account. To set up overdraft protection on your Checking account, please call the Credit Union at 1-800-926-0003 option 2 long distance or (412) 269-3011 option 2 in Pittsburgh. Or, e-mail the Credit Union at info@clearviewfcu.org.

How do I get started using BillPayer?
Once you have enrolled, the first step is to setup your payees. We already have a Master Payee List of 90,000 vendors for you to choose from, or you may create your own if your payee is not in the Master Payee List (database).

How do I set up payees (also referred to as "Merchants" or "Vendors")?
First, click on the "Payees" button in the BillPayer section. Second, click on the "Find Payee" button to search through our Master Payee List and find a payee to add to your Personal Payee List. If you do not find the payee you are looking for in the Master Payee List, try to use variations of the name. For example, enter Duq for Duquesne Light Company.

If your payee is not on the Master Payee List or the address does not match your payee, you will need to add the payee in the "Add Payee" section. When creating a new payee, all fields must be completed. The only exceptions are the "Attn:" field and the "Ext." in the "Phone" field. If you fail to input information in all of the required fields, your payee will not be set up and you will not be able to make payments to this payee. Once you have set up a payee in the "Add Payee" section you will need to wait up to five days before scheduling a payment. This allows our payment processor to verify your information. Please note that this five-day delay is only imposed once per new payee that you create. If you select a payee from the Master Payee List, you may begin setting up payments immediately.

If your account number is not entered exactly as stated on your bill or statement, you may receive a "required field length" error. Please call the Electronic Services department for further assistance at 1-800-926-0003 option 7 long distance or (412) 269-3011 option 7 in Pittsburgh. Or, email support@clearviewfcu.org.

If merchant has the same name, does it matter that the vendor has a different billing address than the one I usually use when sending my payment?
Yes! The payee that you select from the Master Payee List must have the same address as the address on your payee’s invoice/statement. If you select a payee with a different address, it could be an entirely different company, or a different office/department that has no ability to apply your payment to an account that they don't recognize. If the name of the company and the address don't match, you should add the vendor and all information yourself under Add Payee. If you have any address questions, call the vendor to verify the payee information.

Once I enroll, how soon can I start to make payments?
You can begin immediately. First, set up your payees by either selecting the merchant from the Find Payee database or by entering the information using the Add Payee function. If your payee is on the Master Payee List, you may begin to make payments immediately. If you use the "Add Payee" option, you must allow 5 days before you can begin making payments to that payee. This allows our payment processor enough time to verify payee information before the first payment is sent. Do not wait until you are ready to pay bills to set up new payees. Please note that this delay is imposed only once, after the creation of a new payee.

When are funds deducted from my Credit Union account?
Funds are debited from your account on the day that we process your payment (typically the Payment Start Date) at 10 a.m. E.S.T, and NOT on the day that the payment is received or cashed by the payee.

How long will it take for a merchant to receive my payment?
On average, allow two business days for electronic merchants and five business days for those merchants paid by paper check (for those unable to receive electronic payment). Your Personal Payee List will show whether a merchant is receiving payments electronically or by a check in the mail. Because merchants may not post the payment the same day that they receive them, we recommend that you include a few "cushion" days in your timing of bill payments. It is your responsibility to select dates to allow enough time for the payment to get to the merchant so that you are not late with your payments.

What is the difference between a bill paid by "Check" and one paid "Electronically"?
A "Check" payment is a paper draft sent though the U.S. Mail system. You must allow sufficient time for the payee to receive this type of payment, just as you were mailing the payment yourself. An "Electronic" payment is sent out electronically and is the most preferred payment method, but some payees are not able to accept this type of payment. "Electronic" payments clear within a few days.

Is there a maximum or a minimum amount I can pay?
Yes. The maximum amount for a single payment is $9,999.00. If you need to make a payment to a vendor that is larger than this amount, you must split the payment into two payments. The minimum payment amount is $1.00.

What is the cutoff time for payment processing?
We process and transmit payment requests Monday-Friday at 10:00 a.m. (excluding holidays). Any pending payments on the system will be processed at that time. Payments submitted after 10:00 a.m. Friday will not be processed until Monday morning at 10:00 a.m. They may be reviewed (and modified) in your "Pending Payments" list until they are processed. Once processed, the payment status is available in the "Payment History" screen, and no further changes may be made.

How do I check my payment status?
Click on the "Payment History" button, and you will see a status on each of your payments, as follows:

• In Process: The payment has been sent by the Credit Union to our payment processor and is awaiting further action. At this point a payment has not yet been sent to your payee, but the money has been debited from your account.
• Payment Sent: The payment has been processed by our BillPayer Processor and has been sent to your payee, either electronically or by check.
• Check Cleared: Your payee has deposited the check. Note that on electronic payees, the final status will be "Payment Sent."

• Check your records. Often, a typing error or date error is responsible for a missing payment.

• Wait at least four business days for an electronic payment and seven business days for a check payment.

• Call the merchant at the end of this time to see whether they have received the payment.

• Upon your request,we will submit a payment inquiry to our payment processor. This inquiry will result in a $18 charge. You should leave this option as a last resort.