Frequent Asked Questions - Online Banking
How do I access Online Banking?
If you are a registered user of Online Banking, simply use the "Online Banking Login" box located on the Clearview home page, and enter your User ID and Password. To enroll from home for the first time, view these simple step-by-step instructions. Or, the primary owner may request login information by visiting a branch or calling us at 1-800-926-0003.
When is Online Banking available?
Online Banking is available 24-hours a day, 7-days a week. Online Banking and Bill Pay are occasionally unavailable due to system maintenance. Most downtime is expected and planned. Month end processing typically begins at 10:00 p.m. on the last day of the month, and will cause Online Banking and Bill Pay to be unavailable for up to five hours. Weekly maintenance is performed on Monday evenings for about 30-45 minutes in the late evening. The system may also be down infrequently at other times due to unexpected maintenance requirements.
Is there a fee to use Online Banking?
There is no fee to access your accounts through Online Banking.
Can anyone else access my account information?
No. Your online account information is available only via secure access by using your User ID and Password. The information is not public. Unless you share your Password, no one else can access your account information online.
Security Tips: These tips can help ensure the privacy of your account information:
- Treat your Online Banking password as you treat your ATM PIN. Do not reveal your password to anyone.
- Do not write down your Online Banking password or leave it in the view of other users of your computer.
- Notify the Online Banking Support Department immediately if you notice any unusual account activity by calling 1-800-926-0003 long distance or (412) 269-3011 in Pittsburgh.
- Keep all documents that include your account information in a secure location, including ATM and debit card receipts, monthly account statements and your Online Banking password.
What transactions are available via Online Banking?
With Online Banking, you will have access to view all of your accounts at Clearview including loans, plus perform various financial transactions.
Do I need special software?
Our Online Banking suite is optimized for use with these recommended browsers: Microsoft Internet Explorer 8.0 or 9.0, Mozilla Firefox 4+ and Safari 6.0. If you use a different browser, you may not be able to take full advantage of all the features of the site. NOTE: At this time Google Chrome is a supported browser, not a recommended browser. In addition, if America Online (AOL) is embedded within a certified browser, it is also considered to be supported. Otherwise, AOL is no longer a recommended or supported browser and has not been tested as thoroughly as a recommended browser. You can download browsers for free by clicking on the following links: Mozilla Firefox, Safari. Be sure to download a recommended or supported browser version.
I've changed my email address; do I need to let the Credit Union know?
Yes, this is very important. We use email to communicate with Online Banking users. Please log onto Online Banking and select My Settings, then under Primary email select “Edit”. Then, type your new email address in the "Primary email" section and click the "Save" button. You can also call us at 1-800-926-0003 and we will make this change for you.
How do I see current activity on my account?
Click on each account suffix (i.e. Checking 9). This will display your account history. You can adjust the amount of history to display by changing the date range at the top of this page. Members who have elected to receive E-Statements can access their account statements for even more history.
How do I access my Visa Credit Card information in Online Banking?
To access your Visa Credit Card information, please click on “Manage Visa Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a new, secured site where you can view your balance, history, and Visa eStatements (if enrolled).
Frequent Questions – Bill Pay
What is Bill Pay?
Bill Pay is our internet bill payment service available to all members enrolled in Online Banking. You can initiate and track payments to any vendor within the United States, except government and collection agencies, including but not limited to federal, state and local taxing authorities.
How do I enroll?
First, you must be enrolled in Online Banking. Click on the "Bill Pay" tab on the Online Banking page. You will be required to read and agree to a disclosure agreement before the enrollment process may continue. You can then access Bill Pay by clicking the Bill Pay tab or the “Go to payments” link under “Make a Payment”.
Which accounts/suffixes can I use with Bill Pay?
Bill Pay can be used in conjunction with up to 99 checking accounts, whether they are with Clearview or another financial institution.
How much does Bill Pay Cost?
Bill Pay is free! However, a monthly inactivity fee will be charged if no payment is made on any Bill Pay account for 90 days.
Who can I pay?
Any individual or company you choose within the United States. For example, your utilities, mortgage, rent, paperboy, babysitter or any vendor you choose. The only exceptions are any government agency including but not limited to federal, state and local taxing authorities.
Does Bill Pay support members living outside the U.S.?
No. The Bill Pay database and system are designed to support US postal addresses only.
Once I enroll, how soon can I start to make payments?
Immediately once Payees are created!
Set up your payees by entering the payee name in the “Need to pay someone new?” box, or the "Add a payee" box. If the name matches a payee already set up in the database, you will be prompted to enter your account number and zip code. This payee may be paid electronically, or the payee may have asked our bill payment processor to send payments to an address that might not match the address they give you on your bill.
For a Check Payee -- If the zip code and /or account number doesn’t match the payee, you will be taken to a second screen, where they must enter the payee’s address, city, and state. Payee is set up to be paid by check.
For a Check Payee -- If the business name that you start to type is not found in the database, you will be taken to a setup screen, where you will enter all of the payee’s information. The payee is set up to be paid by check.
For a Check Payee to Person – The person’s name that the user starts to type is of course NOT found in the database. The user will be taken to the setup screen where they enter all information. Payee is set up to be paid by check.
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 if 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.
Which days can I pick as my “Send On” date?
You can schedule your “Send-On” date Monday through Friday, with the exception of Holidays.
When are funds deducted from my funding account?
Funds are debited from your funding account 1-2 business days after the Send On date.
How long will it take for a merchant to receive my payment?
On average, allow three business days for electronic merchants/payees and five business days for those merchants/payees paid by paper check (for those unable to receive electronic payment). You can identify if a payment is to be made electronically or by check by looking at the “Send On” date vs. the "Delivery by" date. Payments made by Check will reflect 5 business days between the Send On and the Delivery Date; Electronic payments will reflect 3 business days or less.
Is there a maximum or a minimum amount I can pay?
The minimum amount you can pay is $1.00, and the maximum amount is $9,999.99, or the amount of funds available in your Checking (funding) account to cover the amount of your bill (whichever is less).
What is the cutoff time for payment processing?
We process and transmit payment requests Monday-Friday at 10:30 p.m. Eastern Standard Time (excluding holidays). Any pending payments on the system will be processed at that time. Payments submitted after 10:30 p.m. Eastern Standard Time Friday will not be processed until Monday at 10:30 p.m. Eastern Standard Time.
How do I check my payment status?
You can quickly view pending payments or the last 5 payments processed in the Recently Processed payments under the Bill Payer tab. At that point consider the payment to be processed and the funds will be withdrawn from the account within 2 business days. To view past history for a particular payee, click on the Payee Name to access Payee Details. There is a view payments history link available.
What if I need to modify a scheduled payment?
While a payment is still listed under the "Pending Payment" section, changes can be made to the payment at any time before the 10:30 pm EST processing time. After the payment has been picked up for processing, and the payment moves from Pending Payments to Payments Processed, no changes can be made.
Can I stop a payment?
A Stop payment cannot be placed on a Processed Bill Payer payment. Funds are withdrawn from the account via ACH within 2 business days of the Sent Date by our processor.
I made a payment to a merchant through Bill Pay and it has not been credited to my account. What should I do?
If a payment was scheduled appropriately based on the Send By and Delivery Date, your payment is guaranteed to be delivered on time by our processor. If it is determined that you scheduled your payments as recommended, our processor will refund up to $50 in late fees assessed by that creditor, if necessary.
How do I get a copy of a check or electronic payment?
Proof of Payment must be requested through our Online Banking Support Department at 1-800-926-0003 option 4. You will be assessed an $18.00 fee for this service.
My bill pay access has been blocked due to an NSF. What do I do?
In the event that you authorize a payment, and the funds are not available to withdraw from your checking account, our processor, FIS will block your bill pay activity. In most cases, FIS will attempt to withdraw the funds up to three times from your designated checking account. Upon successfully completing the withdrawal, the block on your account will be removed after 5 business days. If FIS is unsuccessful in collecting the funds, the user will be submitted for internal collections. In order to settle collection items with FIS, please contact 877-346-5272, M-F 7:00am-6:00pm CST.
While your bill pay account is blocked due to NSF activity, pending payments will be cancelled. One-time pending payments and recurring pending payment will need to be rescheduled once bill pay access is reinstated. Recurring pending payments with a "send on" date in the future WILL be automatically re-scheduled. For additional information contact the Online Banking Support Department at 1-800-926-0003.
How do I cancel the Bill Pay service if I change my mind?
To cancel the Bill Pay service, please call the Online Banking Support Department at 1-800-926-0003.
How can I pay an E-Bill?
There are two types of E-Bills you can pay with Bill Pay. You can use a Scraped Bill, where you provide the user ID and password for your account at the payee’s website. Bill Pay securely retrieves your bill from the website and makes it available to you within Bill Pay.
Also, you can use an Electronic Bill, or E-Bill. This way, you provide Bill Pay information about your last bill for the payee. Bill Pay retrieves your bill from the payee’s website and makes it available to you in Bill Pay.
Your payee determines the method by which they retrieve an E-Bill based on the relationship they have with our Bill Pay processor.
For additional Bill Pay information, please review the links available in Bill Pay’s “Looking for options?” below your “My Payments” section of Bill Pay.