BillPay Frequently Asked Questions

• Troubleshooting
  
• General
  
• How does BillPay work?
  
• Funding Accounts
  
• Joint Accounts
  
• Personal Information
  
• Payees
  
• Payment Rules
  
• Electronic Payments
  
• E-bills
  
• Billing Address
  
• Bills Sent to Processing Center
  
• Non-bill Notices
  
• Credit Cards
  
• E-mail Notifications
  
• Customer Messages
  
• Personal Notes
  
• Bill History
  
• Downloading
  
• Reports
  
• Printing
  
• Web Browsers
  
• Privacy
  
• Security
  
• Disclosure Agreement
  
• Canceling Service

This is probably due to a pop-up blocker setting.

BillPay shows in a new browser window ("pop-up"), so you may need to adjust the pop-up blocker security settings on your computer as follows:

• Allow pop-ups for the following sites. (Click here for Windows XP Internet Explorer Instructions)
  
  
  
  • pcaccess.nefcu.com
    
  • nefcu.billsupport.com
    
  • info.nefcu.com
  
    If your browser differentiates between http and https, enter these sites as https.
  
  
  
• Additionally, the following applications should be checked for pop-up blockers. Refer to your software documentation for instructions:
  
  
  
  • Personal firewalls such as Tiny Firewall or Black Ice
    
  • Spyware and Adware blockers such as Spybot, Aiepk, iClean. Adaware
    
  • Additional Toolbars such as Yahoo, Google, NetZero/Juno, AOL, MSN, Earthlink. Many times pop-up options can be set by right-clicking on these toolbars.
    
    Sometimes you may not be aware that you have another Toolbar operating. Here's an example of what your screen might look like with a Yahoo Toolbar turned on.
    
    
    
    
    
  
  
• You can generally override a pop-up blocker by holding down the SHIFT or CONTROL key while clicking on the BillPay link. Continue to hold SHIFT or CONTROL until the new window pops up (this may take up to 2 minutes).
  
• NEFCU uses in session "cookies" during transactions. To use BillPay your computer must accept cookies. Refer to this Google document for specific browser instructions:

• In Internet Explorer select Tools/Internet Options
  
• Select the General Options tab
  
• In the Temporary Internet Files section in the middle of the page, click on the Settings button.
  
• In the section about Check for newer versions of stored pages, select Every Visit to the page
  
• Click on OK, once this is done.
  
• Click the Delete Files button in the same section (this may take a few minutes). This deletes any temporarily cached files related to our site.
  
• Select the Privacy tab
  
• In the Web Site Settings section, select Edit or Settings. This will allow you to specify our site to allow cookies.
  
• Add https://nefcu.billsupport.com to the Address of Web site box; click "Allow".
  
• In the Pop-up blocker section, click on the Settings button and again add the https://nefcu.billsupport.com address; click OK, then Apply (if not grayed out).
  
• Close all browser windows, re-start your computer, and try going into BillPay again

When you open BillPay, the PC Banking screen below will become blank, except for the navigation. Either while you still have the BillPay window open or afterwards, you can click to another area of PC Banking.

After you have had BillPay open for 15 minutes, if you haven't clicked back to another PC Banking screen underneath, PC Banking will close due to a security time out.

The Metavante Way address is the Processing Center for scanned bills, and the number associated with the address is unique to you. That is the address that you will request to have your bills sent to if you choose to set up an e-bill for a payee, and the e-bill type for that payee is a scanned bill.  Bills from that payee will go to the Metavante Way address.

In PC Banking, click on the BillPay link (on the green bar) and follow the instructions. If you are not yet signed up for PC Banking, first get a registration code by contacting a Member Service Representative at 800 400 8790.

BillPay is the ability to manage and pay your bills via PC Banking, often through an electronic rather than check payment. The funds are taken from one of your share draft accounts.

With BillPay, you can manage your bills online, set up rules to have bills paid without your intervention, and get detailed reporting on your spending. BillPay allows you to reduce or even eliminate the security risk of paper bills arriving, and lets you keep tabs on bills and payments with personalized email updates. You won't need stamps and envelopes, and you won't spend time writing out checks.

If you can use PC Banking, you can use BillPay. With easy to understand screens and clear Help screens, you will enjoy paying bills! You are always given the opportunity to verify every transaction you do. And if you do have any trouble, our staff is ready to help. You can View Demo! to see just how simple it is.

BillPay is free for members with loan and/or deposit balances greater than or equal to $5,000, and it is free for all Bank@Work and eMembers. Otherwise, the fee for BillPay is $6.00 per month, regardless of the number of payments.

You can adjust which account your fee is debited from by changing your primary debit account. Go to Funding account list to make this change.

In the event of a payment error where we are at fault, we will pay any penalty fees imposed by the payee. This guarantee applies when you have provided us with correct payee and payment information, and when you have scheduled the payment to an approved payee with the appropriate Send on date to meet the Deliver by date equivalent to the payee's due date. (A Deliver by date beyond the due date, even if within a "grace period", does not meet the criteria for us to guarantee on-time payment. We are not responsible for any late payments if you enter a Deliver by date after the payee's due date.)

You will need to have a NEFCU Share Draft (checking) account and you will need to be a PC Banking user. To set up a payment, you will need to know the name of the party you wish to pay, their payment address and telephone number, your account number (if applicable), and payment amount. That's it!

No, unfortunately certain aspects of the BillPay system are not set up for you. If you have a foreign address, you should not become a BillPay user. However if you used BillPay prior to January 2006 and therefore have been informed about the limitations, you may continue using BillPay.

On the Make Payments page, enter the amount you want to pay and when you want your payment to be sent and click "Pay".

Below the "Send On" field a "Deliver By" date appears.   There is also a calendar tool; once you click to open the tool, you can select dates and you will see the Deliver By date change according to the Send On date you are choosing.

Yes, you can pay bills from any share draft (checking) account on which you are a signer.

Yes. If you regularly make a payment for a fixed amount, you can establish an automatic payment rule for those payments. For example, you could set up a rent payment as an automatic payment.

If you would like us to pay an e-bill automatically, you can establish automatic payment rules. The automatic payment rule instructs us to issue a payment for a bill for a specific payee without requiring your approval. You can pay the full bill, pay the minimum due, or pay a fixed amount. 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. You are contacted for approval if it is more than $200.
  
• Pay the minimum amount due every month.
  
• Pay $100 every month.

Yes.  If you wish to, you can continue to write paper checks.

On the Make Payments page, you will see the "Last 5 Processed Payments". If your payment is further back, see the bottom right "Other Tasks" menu, where you can select "Find a payment". 

We send your payment to the address you provided to us for each of your payees. In some cases we have a special relationship with a payee for payment purposes, and we use a preferred address the payee has provided to which they want payments to be sent.

You decide the amount you want to pay towards each bill. You can use the Personal Notes tool to attach a reminder to yourself to your bill indicating the reason the entire amount was not paid.

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.

To have a check sent out the same day that you authorize payment, you must authorize the payment before 4 PM Eastern Time (the postmark may be the next business  day). If you schedule the payment after 4 PM Eastern Time, your payment will be issued the next business day at 4 PM Eastern Time.

The money will not be deducted from your account until the payee cashes your check.

The payment will be sent at 4 PM Eastern Time on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the payment before 4 PM Eastern Time. Please note that some EFT transactions may clear your account the same day they are issued. Be sure your funds are available in your account in advance of scheduling the payment.

To change a payment, in the "Pending Payments" area click on the "Edit" link.

To change a payment, in the "Pending Payments" area, click on the "Cancel" link.

For a check payment that you did not cancel in time within BillPay, you can use PC Banking or call TeleBranch at 800 400 8790, option 6, to place a Stop Payment on the check if it hasn't yet cleared your account. The normal Stop Payment fee will apply.

If the payee is being paid via paper check, the amount is deducted from your account when the payee cashes the check. If the payee is being paid via an electronic payment, the amount is deducted from your account within three business days after the Send on date (it may be debited as early as the Send on date).

You can pay almost any individual or company providing they are in the continental United States. Prohibited payments include:

• payments to payees outside of the United States
  
• government payments
  
• government-mandated payments (for example child support or a traffic fine)
  
• payments for collection purposes

You might notice a payee address is different than the one you entered. Once you enter a payee, all account information (account number and address) is verified according to what we have learned through previous payments and through communication with the payee. (For example, a payee may have a different address for payments received electronically.) The payment address may then be adjusted to get payment to the payee as quickly as possible.

No. Depending on whether the payee is already set up, and the kind of payment relationship that we have with them (for example, electronic versus check) the payment might be received as soon as the next business day, but it could be up to five business days. The calendar tool available when you make a payment will indicate when the payment will be delivered.

To remove a funding account, click on "Funding account list" and then choose "Delete".  Once your account has been removed, please be sure to adjust any recurring or automatic payment rules that may be linked to this funding account.

You cannot delete your primary funding account.

To change the default funding account, under "Funding Accounts" click on
"Funding account list". From the list presented you can select a default funding account.

To change the funding account for a particular payment, on the Make Payments page, use the dropdown "Pay from" menu in the make payments area.

To change the funding account for a particular payee with Automatic Payments, click on the payee name, then select "View/Change Payee Details". Click "Change Options" in the Automatic Payments Funding Accounts area.

To close an account, you will need to make the request in writing (for security). Please inform the Member Service Representative that you are a BillPay user, and they will help you change your existing payments to the new account, and change your default accounts if necessary.

Under Pending Payments, click the on the Amount to display detail about the payment, including "Paid from".  To find the account paid from for a payment already made, use "View Reports".  To fine the account paid from for an Automatic Payment, click on the Payee name and then on "View/Change Payee Details".

Your primary funding account, which is initially set as the first account the BillPay service encounters, is the account that will serve as the default account for payments and fees, unless you specify a different account.

A default funding account is the funding account that will be used for a specific payee if that choice is not edited. Initially, the default will be your primary funding account. You can have different default funding accounts for different payees.

To add a joint owner to your account, come into any NEFCU branch, or call TeleBranch at 800-400-8790.

While you are not able to remove a joint owner from your account, we can assist by helping you close the account, and helping you open a new one. Please come into any NEFCU branch or call TeleBranch at 800-400-8790.

You can change your e-mail address in PC Banking. Click on the "Change Address & E-Mail" link on the top bar.

You can change your home address at any time using PC Banking. Click on the "Change Address & E-Mail" link on the top bar.

To add a payee, type the Payee name in the "Pay someone new" field.

To add a new category from the Add a Payee page, select the Add a New Category option from the Payment Category dropdown box. An entry field appears for you to provide your new category.

Yes, just leave the "Account number" field blank.

To change payee information, click on the payee, then click "View/Change payee details", then "Change information". (Sometimes you won't be able to change a payee address because of the special relationship for payment delivery that we have with a payee.)

Sometimes you won't be able to change a payee address because of the special relationship for payment delivery that we have with a payee.

To change a payee nickname, click on the payee, then click "View/Change payee details", then "Change information".

To deactivate a payee, click on the payee, then click "View/Change payee details", then choose "Deactivate payee" from the Options on the right.

To properly store your billing history and ensure accurate reporting, we cannot completely delete payees from your account. However, you can "hide" payees that you no longer use by clicking on the Hide Inactive Payees link on the My Payees page.

If you select "Show all payees", you will see "This payee is currently inactive." to the right of inactive payees.  Or, if you click on the payee name, you will see a choice to "Activate payee", telling you that payee is currently inactive payee.

After registering a payee, it typically takes one to two billing cycles before you begin to receive your bill online.

If you have an issue with a specific charge on a bill, you will need to contact your payee directly.

In all cases, using PC Banking to transfer directly to the account is preferable. However, if you want to use BillPay to pay a NEFCU loan, set up the payment as follows:

• for a Visa payment, enter your account number followed by the sweep account number. Example: 221133S95
  
• for a Mortgage payment, enter your account number followed by the sweep account number. Example: 221133S99
  
• for a loan payment, enter your account number followed by the account type. Example: 221133L3
  
• to pay any other NEFCU account, enter the account number followed by the account type. Example: 221133S1.1

A manual payment is a payment that you initiate each time you want it sent. Manual payment is the default payment rule for each payee you add.

An automatic payment is a payment that you issue regularly for a fixed amount regardless of receiving a bill. For example, you can tell us to issue a payment to your mortgage company each month. You can choose to receive an e-mail notification each time an automatic payment is about to be paid.

An automatic payment rule tells BillPay how to respond to one of your e-bills. For example, you can set up a payment to go out every month on a certain date without requiring your approval each time. You can pay the full bill, pay the minimum due, or pay a fixed amount. 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. (You are contacted for approval if it is more than $200.)
  
• Pay the minimum amount due every month.
  
• Pay $100 every month.

A payment set to be sent on a Saturday, Sunday, or holiday will be sent on the following business day.

In the event that an automatic payment is set up for the 31st of the month and the current month only has 30 days, the payment will be sent on the next business day after the 30th.

In general, electronic payments are paid through Electronic Funds Transfer (EFT).

Electronic Funds Transfer, or EFT, allows us to send payments to your payees electronically, rather than preparing and mailing a paper check. EFT payments are advantageous because your payee receives payment faster than with a paper check, and there is no risk of a check getting lost in the mail.

Just like Payroll Direct Deposit and ATM transactions, EFT payments are extremely safe. All payment information is encrypted with 128-bit SSL and sent through a secure communications channel. Information cannot be redirected, read, or tampered with.

In general, the EFT process can take up to 3 business days. Listed below is an example of how an EFT payment reaches your payee.

Monday: Payment is issued and the EFT process initiates. The payment leaves your Payment Outbox and can be viewed as a report.

Tuesday: Your payment account is debited via Automated Clearing House (ACH). ACH is the national standard for debiting a funding account.

Wednesday: Payment is sent to your payee via MasterCard Remote Payment and Presentation Service.

Thursday/Friday: Depending on your payee's process, the payment may post to your account.

Although most EFT transactions take up to three business days, it's important to note that some EFT transactions may clear your account the same day they are issued. Be sure to have the funds in your account in advance to avoid a non-sufficient funds fee or returned payment.

When you set up a payment, the Electronic Funds Payment (EFT) will be sent at 4 PM Eastern Time on the day you designated the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the payment before 4 PM Eastern Time.

Electronic payments are generally received by the second business day following the Send On date, but this varies by payee. The calendar tool available to you when you make a payment shows the time required for that particular payee. Note that some electronic transactions may clear your account the same day they are issued. Be sure to have the funds in your account in advance to avoid a non-sufficient funds fee or returned payment.

Some electronic transactions can take up to three business days (from the Send On date) to be deducted from your account, while others may be deducted from your account the same day they are issued. Be sure to have the funds in your account in advance to avoid a non-sufficient funds fee or returned payment.

If you have overdraft protection, that will be used to cover your payment. Otherwise, we will make a decision about providing funds for your payments. We may go ahead and issue payment to your payee (if so, the amount of this payment is then due to us), or we may not make the payment. Either way, you will be charged an non-sufficient funds fee.

Some payees do not have the technology to accept electronic payments. In these cases a paper check will be sent.

An e-bill is a bill that you receive electronically, through BillPay. There are basically three types of e-Bills:

• The first type is an electronic bill that we receive from one of your billers and which we redirect, electronically in BillPay, to you.
  
• The second type is a bill that we receive in paper form which we scan and present to you electronically. To receive this type of bill, you must ask your payee to redirect your bill to the BillPay processing center.
  
• The third type is a bill we retrieve from your biller's website and present to you electronically. (This is generally done by using your user id and password at the biller's website.)

First, you register with your biller's website. Then, you provide us with your user ID and password, and we'll go to your biller's website and retrieve your bill for you each month. That way you can come to one place and see all your bills.

A bill that we "scrape" or "retrieve" directly from your biller's website and display for you is just one type of e-bill. With bills retrieved this way, almost any online bill can be presented to you conveniently through BillPay. And you don't need to worry about changing address information.

When adding or editing this type of payee, you will be prompted to enter your login information for that biller's website-exactly as you would if you were accessing your account at their website. If you are not yet registered for online access to your account through the biller's website, please take a moment to do so before continuing with this setup process. Note that you should enter your user ID and password (or other requested information) for the biller's website, not the site that you use to pay your bills.

We are committed to safeguarding the privacy and security of all your personal information. Your login information is kept confidential, and is used only to retrieve an electronic version of your bill from the biller's website so that we can present it to you online. For your security, all input fields for setting up your payee-specific login information are encrypted and hidden from view.

Supplying us with the login information for each of your billers' websites serves to consolidate all of your electronic bills in one place. It enables us to retrieve electronic versions of your bills and present them to you in a single, secure location. You get all of the benefits of electronic delivery without the hassles of having to remember to go to each biller's website individually and keep track of the entire various user IDs and passwords every time you need to view or pay a bill.

If you are setting up bill presentment, and registered at the payee site very recently, it make take a while for your registration to be recognized.

Some payees may continue to send a paper bill to your home even after you begin receiving the bill online. To avoid making duplicate payments, it is best to pay only those bills that arrive online. Some payees may offer the option of "turning off" the paper bill, either by indicating such a preference on their website or by contacting their Customer Service department via phone or e-mail.

Some payees may continue to send a paper bill to your home even after you begin receiving the bill online. To avoid making duplicate payments, it is best to pay only those bills that arrive online. If a duplicate scanned version of the bill is received at the processing center, it will be presented to you as a notice (rather than a bill), and a Change of Address form will be issued requesting that this scanned version be redirected to your service address.

The fact that a payee is enabled for presentment is not necessarily an indication that they can accept payments via electronic funds transfer (EFT). The presentment of bills we retrieve from your biller's website and EFT payment are separate technology initiatives. Depending on the particular payee's capabilities, payments are issued either electronically or via paper check.

When you enrolled, you were assigned a unique address at the processing center, and you can see this address when you are in the process of setting up an e-bill, if it is a scanned bill.

For bills you have redirected, this is your billing address. Some merchants ask for a billing address to confirm credit card purchases made by telephone or over the Internet. In addition, your payees may reference this address when verifying your account or identity with them.

For bills retrieved from your payee's website and bills you receive at home, your billing address will not change.

When you register a payee, you provide their name, billing address, account number (if applicable), and other pertinent information. Then the BillPay service can retrieve your information from the biller.

Electronic bills are posted to your account immediately. A bill that we retrieve from your biller's website will appear within 24 hours. In the case of a bill that is scanned in the BillPay processing center, the scanned bill will be posted to your account within 24-48 hours of receipt. Setting up scanned bills may take one to two months, depending on the payee.

Paper bills received from your payees are converted to electronic form within 24-48 hours from when they are received at the BillPay processing center. Once converted into electronic format, your bill is available to you at a summary level, at a detailed transactional level, and as an exact image of the complete original bill. Your original paper bill is stored for three months from the day of receipt, after which it is shredded.

Summary and transactional information is always available online. Bill images are maintained online for one year from the date the bill is posted online. After one year, your bill images are archived offline for up to eight years.

Solicitations (such as credit card offers) are shredded and recycled. Any non-bill notices, such as a rate change, will be scanned and delivered to you in BillPay. Account-related items, such as a calling card, are immediately forwarded to your home mailing address. All other items received, such as merchandise ordered online, will be returned to the sender. Please be sure to indicate your home as the shipping address when ordering items online, through catalogs, etc.

The BillPay service logs and tracks every bill that we receive to assure it is delivered to your account. As an added level of service, we can detect if a regularly occurring bill has not been received when it was expected, and will send an automatic e-mail notification to alert you that it has not arrived.

To stop online delivery of a bill, click on the Payee, then click the "Cancel e-bill" link. Contact your payee and request that they update your billing address.

If you have just made the request for an e-bill, you must wait until the request is set up before you can stop it. Setting up scanned bills may take one to two months, depending on the payee.

If you have already set up the payee, to begin online delivery click the "Sign up e-bill link" in the payees area. Notify the payee to redirect your bill to the processing center. You should begin receiving your bill online within two billing cycles.

If you have not yet set up this payee, click "Pay someone new".  During the setup process, you will be asked if you want to receive an e-bill.

This link appears when we need additional information from you regarding your bill.

In some cases a payee will not allow your bill to be sent to the BillPay Processing Center. For example, some insurance companies require that the bill goes to the same address as the address on the policy. These payees will continue to mail their statements to you.

The Metavante Way address is the Processing Center for scanned bills, and the number associated with the address is unique to you. That address will be used if you choose to set up an e-bill for a payee, and the e-bill type for that payee is a scanned bill.  Bills from that payee will go to the Metavante Way address after you notify the payee.

Click "Set up e-bill" below a payee (this should be a payee that does not have electronic billing, such as a smaller payee, or a personal payee). On the next screen you will see an address beginning with your name, and then a numbered address at Metavante Way. This is the unique address where your payees can send bills to be scanned.

Occasionally, we will receive items from your payees such as rate changes or announcements about special offers. We scan these items and post them to your Bill Inbox as non-bill notices.

In most cases, non-bill notices are filed under their corresponding payees. If we are unable to determine which payee a customer message belongs to, it will be filed as a miscellaneous message. You have the option to reassign a miscellaneous message to any of your payees.

Click "View e-bill".

Click the Assign link. The Assign Non-bill Notice page appears. Using this page you can assign this notice to the appropriate payee. If the appropriate payee does not exist for your account, you will have the opportunity to create a new payee file.

You can move a non-bill notice by assigning it to a payee, however, you cannot delete the notice entirely.

All account-related items sent to the processing center (such as a calling card or a credit card) are immediately forwarded to your home address. You will receive an e-mail if we forward an item to your home.

We use e-mail notifications to keep in touch with you about your account. You may choose to receive e-mails in the following situations:

• When a bill is received.
  
• When a bill has not been received X days before the billing date.
  
• When no payment has been scheduled X days before the payment is due.
  
• When a payment is made.

You can tailor the e-mail notifications to meet your unique bill management style. To change which e-mail notifications you receive, click on the payee, then choose "Change notifications".

In addition to these e-mail notifications, we may contact you from time to time with important information about one of your payees, changes to the service, or service enhancements. The purpose of these emails is to help you get the most out of BillPay. In accordance with our privacy policy, we will never sell any of your personal or financial information to third parties.  You will never receive a third-party e-mail as a result of using BillPay.

An e-mail notification is automatically sent to your attention as soon as a bill posts to your account. Electronic bills are posted to your account immediately; paper bills are posted within 24-48 hours from when they arrive at the processing center.

For a paper check, you can receive a payment confirmation e-mail when your check is cut and mailed. For an electronic payment, you can receive a payment confirmation e-mail when the electronic payment is initiated. Whether you will receive these emails depends on the email settings you have chosen for each Payee.

One of our goals is to help you eliminate past due bills and expensive late fees. We can send you an e-mail if a bill is due in X days and we have not received any payment instructions from you. If you do not want to make a payment on this bill, simply click the File link and your bill will be stored for future reference.

One of the unique features of BillPay is the ability to detect possible missing bills (which helps you avoid overdue bills and late fees). This can happen if a bill is lost in the mail, or if it has been sent to an incorrect mailing address. Once you have received your first online bill from a payee, we determine that payee's general billing dates. (You should verify the billing cycle for that payee.) If a future bill fails to arrive within the general timeframe you have selected, we will send you an e-mail so that you may contact your payee.

Occasionally, we will receive items from your payees such as a rate change or announcements about special offers. We scan these items and post them, associated with the appropriate payee,  as customer messages.

In most cases, customer messages are filed under their corresponding payees. If we are unable to determine which payee a customer message belongs to, it will be filed as a miscellaneous message. You have the option to reassign a miscellaneous message to any of your payees.

Click the Assign link associated with the message. The Assign Customer Message page appears. Using this page you can assign this notice to the appropriate payee. If the appropriate payee does not exist for your account, you will have the opportunity to create a new payee file.

Personal notes are reminders you can add to any payment or filed item. Common uses for a personal note include reminders about why a payment was made, why the entire amount was not paid, or if there is a dispute with the payee. Personal notes are private, and can only be seen by you, not the payee.

Personal notes are a convenient method of recording payment reminders, but you do not have to attach a personal note to every bill you pay or file.

No. Unlike the memo field on a check, personal notes are private, and can only be seen by you. In contrast, the memo field on a check is printed right on the check for the purpose of making an additional note to the payee.

We keep your complete bill history online for 18 months, including your bill images and all transaction information. After 18 months, we archive your bills offline for a period of 5 years.

Click on the payee, then click "View payment history".

Your BillPay transactions appear in Transaction History in PC Banking. You can download to Quicken or Money from PC Banking.

There is no separate functionality for downloading to Quicken or Money or other PFM  in BillPay. Your BillPay transactions appear in Transaction History in PC Banking, so you can simply download from there.  For more information, see the Personal Financial Management Software FAQs.

The reports feature allows you to do a variety of tasks quickly, such as viewing scheduled payments, retrieving filed bills, analyzing spending habits and researching payment dates. To create a report, click "View reports", then "Create a report". Then select the criteria for your report, including the timeframe, payees to include and how to sort the results. Finally, click "Create a report".

There is no separate functionality for downloading to Quicken or Money or other PFM  in BillPay. Your BillPay transactions appear in Transaction History in PC Banking, so you can simply download from there.  For more information, see the Personal Financial Management Software FAQs.

To print a hard copy of any report, from your browser's File menu, select Print.

It's easy to print a copy of a bill. While viewing your bill, just select Print from your browser's File menu.

We support the most popular web browsers. For Windows customers, we support Internet Explorer 6.0 and above, Netscape 7.0 and above, and AOL 8.0 and above; for Macintosh customers, we support Internet Explorer 5, Netscape 7.0 and above, and AOL for MacX.

If your browser does not meet these requirements, please go to the appropriate provider's website to download a later version.

To protect your personal and financial information, we require that you log in using 128-bit RC4 encryption. If you are using any of the browsers listed above you are automatically equipped with this feature.

We will never provide any of your personal information-contact, financial, and bill history to any third party. We are completely committed to safeguarding your personal information and protecting your privacy.

No. We are completely committed to safeguarding your personal information and protecting your privacy. We will never divulge any of your personal information-contact, financial, and bill history to anyone else.

Our service is highly secure, designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption.

You are the only person who can authorize payments to be issued against your account.

During enrollment there is a link to the Disclosure Agreement. You can also view the Disclosure Agreement now.

We notify our customers of changes to the Disclosure Agreement as required by law. You will have an opportunity to review these changes and the effect they will have on your account. If you do not agree to the changes and would like to cancel your account, please visit any NEFCU branch of contact TeleBranch at 800-400-8790, option 6.

To cancel BillPay stop in at any NEFCU branch or contact TeleBranch at 800-400-8790, option 6.

When you cancel the service, you will need to decide if you want us to notify your payees to redirect bills to your home address, or if you prefer to do this yourself. If you elect to have us handle the notifications, we will issue Change of Address Forms to all of your payees who currently send bills to the processing center. If you choose to handle the notifications, you'll need to contact each of your payees directly and request that they re-direct bills to your home address.

Within two weeks of your request to cancel, your BillPay account will be deactivated and you will no longer be able to view BillPay. If you pay a fee for BillPay, the final fee will be debited the first of the month after BillPay has been cancelled.

As a courtesy, the top page of any bills received will be forwarded to your home for 45 days beyond cancellation. After 45 days, we will no longer offer this service. If you receive a scanned bill image at your home, you may wish to contact your biller directly to ensure that they re-direct all future bills to your home.

In addition, account-related objects received at the processing center (such as a calling card) within 45 days of the date the cancellation is final will be forwarded to your home. After 45 days, these items will be returned to the sender.

If you stop using BillPay for a prolonged period of time, the Credit Union may deactivate your access, in which case your BillPay history will no longer be available.