Why should I use online bill pay?

Online bill pay is an optional feature we offer through online and mobile banking that allows you to pay bills anytime, anywhere – using your computer, smartphone or tablet.

With online bill pay, you can set recurring payments, schedule future payments and send one-time payments, seamlessly and securely directing funds from your Gate City Bank account. You can also track due dates and avoid late fees more easily by setting notifications for upcoming payments.

It’s easy! For online banking, navigate to “Move Money” in the main menu, then select “Bill Pay.” From there, review and accept the terms and conditions, and you’ll be good to go!

Signing up with our mobile app is a breeze, too! Simply choose “More,” then hit “Bill Pay/Zelle®.”

You can easily pay any company you would normally pay by check, debit or cash! And what’s extra neat is you can also pay friends, family members and service providers (babysitters, plumbers, etc.).

We make payments easy! They can be made automatically or manually:

1. Automatic Payment in Response to an eBill: This is a payment that you schedule to go out every time you receive a regular eBill. What’s nice is it doesn’t require your approval each time! You can pay the full bill, the minimum due, pay nothing and file the bill or customize your own option for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:
   
   1. Pay the entire bill if it’s $200 or less. Pay nothing and send an email notification if it is more than $200.
   2. Pay the minimum amount due every month.
   3. Pay nothing and send an email notification.
      
      

   You can also select when to pay the bill – either when the bill arrives or a designated number of days before it’s due (10 days is the default). You’ll receive an email notification when an automatic bill has been paid.

2. Automatic Payment at Regular Intervals: With this option, simply specify the amount, frequency, start date and end date, or the number of payments you’d like to make. You could also establish your own end date. For example, you could schedule a payment for your car loan in the amount of $300 on the first day of every month for the next 36 months.
3. Manual Payment: If you don’t set up an automatic payment, you can choose to manually pay each bill. This is the default payment rule for each payee you add.

Mistakes happen! Please submit a payment inquiry so an attempt may be made to contact the company on your behalf and request assistance.

To send a payment inquiry, select “Activity” within online bill pay. Click on the applicable payment to see more details, then click “Payment Inquiry” at the bottom of the section. Complete the required fields and submit your inquiry.

If the payment is pending and has not been sent, you can cancel the payment and set up a new payment to the correct payee.