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Foothill Credit Union
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Frequently Asked Questions

FAQs About Bill Pay

What can members do through on-line bill pay?

  • Setup automatic payments for recurring bills of the same amount (i.e. your monthly mortgage bill)
  • Setup payments to be made to accounts at different times for different amounts (i.e. your phone bill)
  • Send money to any individual in the United States for amounts under $10,000.00.

Is there a fee for the bill pay service?

The bill payment feature is FREE.*

After I pay a bill, how long does it take until money is withdrawn from my account?

If the payment is sent as an electronic payment, the money will be withdrawn from your account as an ACH item on the day that the payment is scheduled to be received. If the payment is sent out as a laser draft, the money will be withdrawn when the check is presented for payment by the payee (person receiving the bill) and will clear your FFCU account as a draft.

Will I be able to view my payment history for a specific payee?

Yes, you will be able to recall at least 3 months of payment history for a specific payee.

How long will it take for my bill payment to be credited to the payee?

It is recommended that you allow up to 4 business days for all payments, as some processing centers may not immediately present the bill for payment once they receive it, which may result in a late payment.

How far in advance should I set up my payments to be paid?

To ensure that the payment is received on time, it is recommended that you schedule the payment date a minimum of 4 business days prior to your due date.

What do I do with the part of the invoice or bill that I usually send back to the payee with my check? Does the payee need that to process my payment?

No, all the necessary information is provided to your payee through our bill pay system.

What kind of payments can I make?

Payments must be made to payees in the United States. Court ordered payments, IRS and other government payments, checks payable to yourself, or payments to payees outside of the United States or its territories are not recommended through the bill payment service.

How do I know if a payment is going to go through electronically or by a paper draft?

If possible the payment will be send electronically. If the payee is unable to receive electronic payments then a laser draft will be issued. After scheduling a payment to verify how the payment was sent click on View Bill History then click on View Detail. It will provide a confirmation number and description as to how the payment was remitted.

When can I schedule a payment?

Payments can be scheduled for any calendar day. Payments scheduled for Friday, weekend or holidays will be processed on the next business day. You must schedule your payments at least 4 business days prior to the due date to allow enough time for processing and mailing.

Does our existing overdraft protection work for the bill payment feature?

Yes, it works just like regular checks within your account.

What do I do if the intended payee never receives my payment?

Contact us at cu@foothillcu.org or 626-445-0950.

Bill Payment Processing

The Credit Union will process bill payment requests only to those payees you authorize. We will not process any bill payment if the required transaction information is incomplete. The funds will be withdrawn from your bill payment account on the date the payment is scheduled to be made for electronic payments or when the draft is negotiated by your payee if a check is issued. We will only attempt to withdraw funds once. If the funds are not available by midnight of the date you select for a payment date we will not try again. You will then be responsible to pay your creditor directly or request a new transaction via FastTeller or Foothill@Home . We will process your bill payment within one business day of the date you schedule for your payment. Please allow at least four (4) business days lead time prior to your due date. We cannot guarantee the time that any payment will be credited to your account by the creditor and will not be liable for any service fee, late charge or finance charge. You authorize Foothill Federal Credit Union to honor my original or amended payment instructions as provided on this application, whether via FastTeller, Foothill@Home or in writing; and to issue the payments listed commencing on the effective date and continuing until the authorization is cancelled. You have read and accepted the conditions of the Electronic Funds Transfer disclosure and acknowledge receipt of a copy of the same.

* A $15 fee will apply to expedited next day check payments to any biller who is unable to receive electronic payments from online bill pay. This fee will be debited electronically from your checking account the following day.

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