MetroWeb Bill Pay Help & FAQ
If you are having difficulty using
or want to become more familiar with MetroWeb Bill Pay, we encourage
you to check out our MetroWeb
& MetroWeb Bill Pay Guide. Written by Paul A. Murphy, author
of Banking Online For Dummies, our guide takes you step-by-step
through the process of using both MetroWeb and MetroWeb Bill Pay.
If you don't find the answer to your
questions in our Bill Pay Guide, please check our list of frequently
asked questions (FAQ) below — the information you need
may already be at your fingertips!
You can also get help during your Bill
Pay session by clicking the Help button in the upper right-hand
corner of the screen. This will direct you to more Frequently Asked
Questions about Bill Pay. If you don't find the answer you're looking
for, you can click the Message button to send a secure message to
Bill Pay Customer Care.
Getting Started
Q: What is Columbus Metro's MetroWeb Bill Pay?
Back to top
A: MetroWeb Bill Pay is a quick and easy way
to pay your bills without writing checks. To use the service, you'll
set up a list of payees — these are individuals and companies
to which you make payments. To pay a bill, simply log on to Bill
Pay and select a payee, then enter the amount and the payment date.
The payment will be deducted from your checking account and sent
to the designated payee either electronically or by check on the
date you specify.
Q: What are the requirements for MetroWeb Bill
Pay? Back to top
A: To use MetroWeb Bill Pay, you must have a Columbus
Metro checking account and utilize MetroWeb,
Columbus Metro's 24-hour Internet branch.
Q: How do I get started using MetroWeb
Bill Pay? Back to top
A: First, complete the
MetroWeb Bill Pay application and
return it to the credit union. Once we've enabled your account (allow
one to two business days), we'll send you a welcome email with your
temporary password and instructions for logging on for the first
time.
Q: What web browsers are supported by MetroWeb Bill Pay?
Back to top
A: MetroWeb Bill Pay supports the following web browsers
as of May 22, 2007:
-
For Windows - Firefox 1.5, Firefox 2.0, Netscape 8.0,
Netscape 8.1, Internet Explorer 6, Internet Explorer 7, AOL
9.0
-
For Macintosh - Safari 2.0, Firefox 1.5, Firefox 2.0,
Netscape 7.2
Please note: If you do not see your browser listed
above, it does not mean that you cannot use MetroWeb Bill Pay. It
does, however, mean that you may not experience optimum performance.
Payees
Q: How can do I set up
a payee? Back to top
A: After you've logged
on to MetroWeb Bill Pay, select the Payment tab, then select Payees
and click the Add Payee button. You can add an existing payee from
the drop-down list or create your own.
You can set up a payee and schedule a payment to that payee in
the same bill pay session. If information about the payee cannot
be verified or is incorrect, you will be notified via the online
message service to correct the payee information and reschedule
the payment.
Q: What if all the Payee
information doesn't fit into the form? Back to
top
A: Use the Comments
section of the payee form to submit additional information.
Q: How many payees can
I have? Back to top
A: You may have up
to 250 payees at any time.
Q: Are there any payees
that are prohibited? Back to top
A: You may not use
MetroWeb Bill Pay for the following types of merchants:
-
Tax or other government
entities (utility payments to government agencies are permitted);
-
Collection agencies;
-
Court-ordered payments
such as alimony, child support, speeding tickets, etc.; and
-
Payments to payees outside
the United States.
Payments identified as one
of those outlined above will not be processed and will be returned.
Additionally, the following payment types may be associated with
late payments due to the additional documentation that may be required:
-
Payments to payees located in Armed Forces postal codes such
as AE and AP;
-
Payments to settle securities transactions; and
-
Payments to pay off "special financing" transactions.
These payments will be processed, but we cannot be responsible
for any fees associated with delayed or unprocessed payments by
the merchant.
Making
Payments
Q: What are my options
for scheduling payments? Back to top
A: You have four options
for scheduling payments:
- Today — If
you schedule a Today payment, your payment will be processed as
soon as you exit the bill pay session.
- Future — If
you schedule a Future payment, your payment will be processed
on the future date you designate.
- Recurring —
If you schedule a Recurring payment, payments will be processed
on the regular basis (weekly, biweekly, monthly) you designate.
You will specify both a starting and ending date for Recurring
transactions.
- Expedited —
If you schedule an Expedited payment, your payment will be debited
from your account immediately, submitted to the merchant and posted
by the merchant same-day. Expedited payments are available for
a select group of merchants and are $9.95 each.
Q: Are my
bills paid electronically or by check? Back to
top
A: It depends on the merchant, but the majority of payments
are made electronically. Your payee list will indicate whether you
should allow two or five days for payment to a particular payee
(look for "Days to Deliver"). Keep these time frames in
mind as you schedule payments to ensure that payments arrive before
your payment due date.
Q: How long does it take for a payment to be
made? Back to top
A: Future or Recurring payments will be processed in one
(1) business day for electronic payments and in four (4) business
days for payments made by check. The same time frame applies to
Today payments scheduled before 12:00 p.m. ET. Today payments scheduled
after 12:00 p.m. ET will be processed within two (2) business days
for an electronic payment and five (5) business days for a check
payment. Expedited payments are delivered either the same business
day or the next business day; you will know the expected delivery
date before you schedule an Expedited payment.
Keep these time frames in mind as you schedule payments to ensure
that payments arrive before your payment due date.
Q: Can I cancel a bill payment? Back
to top
A: It depends on how the payment was scheduled. You cannot
cancel an Expedited payment once it has been scheduled. You cannot
cancel a Today bill payment once you exit your bill pay session.
Future or Recurring transactions may be canceled until 12:00 midnight
of the day before the scheduled payment date.
Q: How are bill pay transactions processed?
Back to top
A: Bill Pay transactions are processed through an ATM link
with our processor. Each time you log on to Bill Pay, the system
will perform an ATM inquiry to determine your available checking
account balance; this is the balance displayed during your Bill
Pay session. The next time you view your checking account history
on MetroWeb, you'll see a comment on your account that says "ATM
INQ CDFCOLS2, MetroWeb Bill Pay." [NOTE: The very first time
you log on to MetroWeb Bill Pay, you will see two inquiries on your
account.]
If you schedule any Today bill payments during your session, those
funds will be debited from your account as soon as you exit Bill
Pay. The comment for the withdrawal is, "BP [Payee Name]."
Funds for Future or Recurring payments will be debited from your
account on the scheduled date and feature the same comment.
If you schedule multiple bill payments for the same day, the amount
of each payment will be debited separately.
Q: Does scheduling a payment put a hold on my
account ? Back to top
A: No. Scheduling a payment does not place a hold on your
account for those funds. The funds for Expedited payments are deducted
from your account as soon as you schedule the payment, while the
funds for Today payments are deducted from your account as soon
as you exit your Bill Pay session. Funds for Future or Recurring
transactions aren't deducted from your account until the scheduled
payment date. For that reason, we recommend that you enter the transaction
in your check register as soon as you schedule a bill payment.
Q: Do MetroWeb Bill Pay transactions access my overdraft from
savings or line of credit? Back to top
A: No, MetroWeb Bill Pay will not automatically access your
overdraft from savings or line of credit. If you need funds from
your savings or your line of credit to cover a payment, please use
MetroWeb to make that transfer before you log on to Bill Pay and
schedule the payment.
Q: Do MetroWeb Bill Pay transactions access Courtesy Pay?
Back to top
A: No, MetroWeb Bill Pay will not access Courtesy Pay to
cover bill payments. Courtesy Pay is not available on ATM transactions,
and bill payments are processed via the ATM network.
Q: What if I don't have sufficient funds to cover a scheduled
payment? Back to top
A: If you attempt to schedule a Today or an Expedited payment
without sufficient funds in your account, the transaction will not
be processed. If you schedule a Future or Recurring payment and
funds aren't available in your account on the scheduled payment
date, the payment will not be made. The system will make a second
attempt 24 hours later. If funds aren't available then, no future
attempts will be made; you will be notified by a message the next
time you log on to MetroWeb Bill Pay.
Remember, overdraft from savings or a line of credit is not recognized
by MetroWeb Bill Pay. To access these accounts to cover a payment,
you must transfer the funds via MetroWeb.
Q: Is there any sort of guarantee that my payment(s) will be
made on time? Back to top
A: Yes. If a properly scheduled payment isn't posted on
time, we'll see that late fees and finance charges are removed by
the merchant, or we'll pay them. (Please refer to the MetroWeb Bill
Pay disclosure for complete
details on the payment guarantee.)
Money HQ
Q. What is Money HQ? Back to top
A: Money HQSM is an optional, add-on service
that allows you to manage your accounts with third parties such
as banks, credit unions, brokerages, credit card providers and billers
via Columbus Metro's MetroWeb Bill Pay service. With Money HQ, you
can:
-
Aggregate information from all your online financial accounts
-
Electronically transfer funds between any of your Columbus
Metro FCU accounts and any of your accounts at other financial
institutions
-
Electronically send funds to another person at this or another
financial institution
-
Consolidate, organize and present bill information from credit
card companies, utilities and other organizations offering online
viewing of bills
-
Receive balance and due date alerts
-
Create simple budgets and track spending through the Personal
Finance Manager feature
You can access the Money HQ service by clicking the Bills or Money
HQ tabs within MetroWeb Bill Pay.
Q: Is there a fee for Money HQ? Back to top
A: While MetroWeb Bill Pay is free, Money HQ is an optional,
add-on service, and there is a monthly fee of $4.95. Your first
five standard transfers in any month are included in the monthly
service fee; each additional standard transfer is $1.50. Next day
transfers cost an additional $8.95 each.
Monthly service and standard transfer fees for the Money HQ service
will be deducted from your checking account on the 26th
day of each month. If the total of these fees exceeds $14.95, you
will be provided notice of the total 10 days prior to the due date.
Fees for next day transfers will be deducted from the account you
are transferring funds from at the time of the transfer.
Q: How do I sign up for Money HQ? Back to
top
A: To sign up for Money HQ, click the Bills or Money HQ
tabs within MetroWeb Bill Pay and follow the prompts.
PLEASE NOTE: If you sign up for Money HQ, you will be asked
to enter your account number to enable electronic fund transfers
between institutions. Please enter the 14-digit account number
that can be found on the MICR line of your checks. Entering
an improper account number may delay the availability of the Money
HQ service.
Q: How do I cancel the Money HQ service? Back
to top
A: You may cancel your Money HQ service at any time by clicking
the Profiles tab, selecting the Unsubscribe Money HQ link and following
the directions. Your access to the services provided through Money
HQ will be immediately terminated.
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