There is no monthly service fee to use Bill Pay.
If you have a CNB Bank checking account, you can enroll for Bill Pay by completing the following steps:
You may schedule payments 24 hours a day, seven days a week.
You can pay almost anyone in the U.S. who can accept a check or electronic payment.
We are unable to support tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.
The frequency of recurring payments can be weekly, bi-weekly, monthly, bi-monthly, quarterly, semi-annually and annually.
All Bill Pay transactions are reflected as an ACH debit on the account statement.
If a 'non-sufficient funds' condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent. You may also receive an NSF fee from CNB Bank and the Bill Pay processor.
On the process date, the Bill Payment processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited within two banking business days.
Payments are made either by paper check or electronically by ACH credit. The method employed on any single payment depends on whether the Bill Pay processor has established an electronic payment relationship with the payee and they are found on the electronic payee database.
Electronic payees receive payment information in an electronic format that credits their account. Non-electronic payees or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.
If the payment method for the payee is electronic, the payment should be received in about two to three business days. If the payment method for the payee is paper check, the payment should be received in about five to seven business days.
When paying a payee by paper check, please keep in mind that the date the payment is credited to the account you are paying is also reliant upon the processing time of the U.S. Postal Service and the payee.
The Electronic Banking Department handles support for Bill Pay. You can contact the department during normal banking hours at (575) 234-2562 or (575) 234-2571.
You can close your Bill Pay account by contacting the Electronic Banking Department.
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