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Gate City Bank

FAQs

Online Bill Pay

  1. Online bill pay is an optional feature of online banking. It helps you pay bills through your personal computer or mobile device, while also providing you with the convenience of receiving, viewing and managing your bills at the same online location.

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  2. Online bill pay is FREE for all Gate City Bank customers!

  3. Online bill pay allows you to manage all your bills in one convenient location. You will save money on stamps, checks and envelopes, and save time by scheduling future or automatic payments. Plus, you will have access to your transaction history and pending payments anytime you want.

    1. Log into online banking
    2. Select Bill Pay/Popmoney from the menu. Review and accept the terms and conditions, then you are ready to go!
  4. Pay anyone in the United States who you would normally pay by check, automatic debit or cash. You can pay companies, friends and family members, as well as service providers, such as a babysitter or plumber. 

    • Payment Center: When you use payment center to send money, we send the payment electronically whenever possible. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provided.  
    • Popmoney: You can send money to a person using only an email address or mobile phone number. The recipient can use the information provided in the email or text message we send to claim the money and deposit it into an account.

    Use Bill Pay to pay companies and people with addresses in the United States or its territories. You can't use bill pay to send payments to addresses outside the United States.  

    We don't recommend using online bill pay to make state and federal tax payments or court-ordered payments. Such payments will be scheduled at your own risk.

  5. You will be invited to manually add a payee if the search or browse is unsuccessful. To set up the payee, just enter their name and address.

  6. Yes. Just leave the account number blank when adding the payee.

  7. Payments can be made manually or automatically:

    1. Automatic payment in response to an e-bill:

    An automatic payment in response to an e-bill is a payment that you set up to go out every time you receive this e-bill without requiring your approval each time. You can pay the full bill, pay the minimum due, pay nothing and file the bill or create your own rule for how the bill gets paid. For example, you could tell us to pay your credit card bill automatically in three different ways:

    • Pay the entire bill if it is $200 or less. Pay nothing and send an email notification if it is more than $200.
    • Pay the minimum amount due every month.
    • Pay nothing and send an e-mail notification.

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

    2. Automatic payment at regular intervals:

    This type of automatic payment gets paid by establishing the interval in which the payment should be made, along with the supporting payment details. You specify the amount, frequency, start date and end date, or the number of payments to make. (For due date models it is the number of payments instead of the end date.) Based on the duration of the loan, you could also establish the end date of the automatic payment rule. For example, you could have us 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:

    This rule means that you do not wish to set up an automatic payment. Instead, you choose to manually issue a payment for each bill. This is the default payment rule for each payee you add.

  8. Yes. Rush delivery is available, for a small fee. The dynamic calendar will display the payment dates available, as well as applicable fees.

  9. If the payment is sent electronically, the money is withdrawn from your account on the date chosen. If the company or person can't receive electronic payments, we'll print a check and mail it to the address you provide.  

    For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.

    You can verify the withdraw date by clicking the "Activity" tab.

  10. We issue standard, approved payments against your checking account. Just as with a paper check, you have to maintain sufficient funds in the account to cover all payment obligations. We are unable to notify you if you have insufficient funds. Please note that you may be charged an NSF fee for payments that are returned for insufficient funds.

  11. Yes. All eligible checking accounts are automatically available in online bill pay.

  12. All eligible checking accounts are automatically available in online bill pay.

  13. Only you can authorize payments. You tell us who, when and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

  14. If the company or person can't receive electronic payments, we'll print a check and mail it to the address you provide. 

  15. We send payments electronically whenever possible. If the company or person can't receive electronic payments, we'll print a check and mail it to the address you provide.

  16. An e-bill is an electronic version of a bill or statement. It typically contains the same information as a paper bill or statement. You can receive, view, and pay e-bills in online bill pay. When your e-bill arrives, it appears in the payment center. You control the date and amount of your payment.  

    When you add a company that offers e-bills, you can enter the required information to request e-bills, and we'll send your request to the company. When you complete the request for one company, you can sign up for e-bills from other companies who offer them.  

    To add an e-bill for a company you’re already paying, look for the e-bill options on the payment center.

  17. You can download your pending and completed payments from "Activity" to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.

  18. You can edit or cancel any pending payment in "Make Payments."

    You can cancel an overnight (rush delivery) check if it is still pending. A same-day bill payment can't be changed or cancelled as they move into immediate processing.

    Note: You may not edit or cancel a payment that has already been sent.

  19. Call the company’s customer service number and ask to have the late fee waived. If the problem still isn't resolved, send us a payment inquiry on payments in "Activity." We will contact the company on your behalf in an attempt to resolve the problem.

    To send a payment inquiry, click on "Activity" in Bill Pay/Popmoney. Click on the applicable payment to expand it, then click "Payment Inquiry" at the bottom of the section. Complete the required fields and submit your inquiry.

  20. Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two days, consider calling the company’s customer service line. If the problem isn’t resolved, you can send us a payment inquiry on payments in "Activity." We will contact the company on your behalf in an attempt to resolve the problem.

    To send a payment inquiry, click on "Activity" in Bill Pay/Popmoney. Click on the applicable payment to expand it, then click "Payment Inquiry" at the bottom of the section. Complete the required fields and submit your inquiry.

  21. You can send us a payment inquiry. We will contact the company on your behalf in an attempt to resolve the problem.

    To send a payment inquiry, click on "Activity" in Bill Pay/Popmoney. Click on the applicable payment to expand it, then click "Payment Inquiry" at the bottom of the section. Complete the required fields and submit your inquiry.

    Note: 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.