Who can use BillPay+Plus?
BillPay+Plus is available to all personal customers who have an active checking account and are enrolled in Online Banking.
How much does BillPay+Plus cost?
BillPay+Plus is FREE for the first 10 transactions per month. Any transactions over 10 in that month would be $0.75 per transaction.
Inactivity Fee: If at any time your BillPay+Plus service is inactive for 60 days you will be charged an inactivity fee of $5.95 per month.
How do I sign up for BillPay+Plus?
To enroll in BillPay+Plus, you must first be enrolled in Online Banking. To enroll in BillPay+Plus, follow the simple steps below:
- Go to www.communitystatebank.net and go to Online Banking Login page.
- You will use your current access ID (username) and password.
- Click on the BillPay+Plus Signup button when you have successfully logged in.
- At the bottom of your Summary Page, you will see a link to enroll in the new BillPay service.
- Follow the simple enrollment prompts.
- Start adding payment information.
Is BillPay+Plus secure?
BillPay+Plus is recommended by security experts as one of the safest ways to pay your Online Bills. According to research, 90 percent of identity theft does not occur through the Internet.* Identity thieves still use the tried and true methods of stealing mail or discarded trash. Combined use of Online Banking and BillPay+Plus helps to protect consumers against identity theft and check fraud. For additional security, BillPay+Plus requires 128-bit encryption and personalized log-in information.
*Research gathered by Javelin Strategy & Research.
How are payments sent?
Payments are sent two ways: electronic and paper check. On average, electronic payments are sent to more than 85 percent of payees. For payees who can only accept checks, your account is debited electronically and an authorized paper check is issued on your behalf.
What are the benefits of electronic payments?
Electronic is the fastest payment method for subscribers and greatly reduces the risk of human error. Electronic payments are received by the payee within 2–3 business days.
What are the benefits of check payments?
Check payments allow you to pay anyone through your BillPay+Plus account. No more postage or trips to the post office. Plus, check payments through BillPay+Plus are electronically recorded; you may cancel the payment before 3 p.m. on the date they are scheduled to process; and are virtually tamper resistant. The estimated arrival time for checks is based upon the payee’s zip code and is displayed while you schedule a payment.
Are BillPay+Plus payments guaranteed?
BillPay+Plus payments are not guaranteed by the US Postal Service or Automated Clearing House Network (ACH). However, BillPay+Plus offers a payment success rate of 99.99 percent and greatly reduces the risk of human error. In the event a check payment is not received, our BillPay+Plus support will stop and re-issue the payment, as well as provide proof of processing to the payee. BillPay+Plus also provides a history of your payments and payment information is integrated directly into account statements.
Who can I pay with BillPay+Plus?
With BillPay+Plus, you can pay virtually anyone with a current address (or email address) within the continental United States, Alaska, Hawaii, and Puerto Rico. Using Community State Bank’s BillPay+Plus service is no different than writing a check from your checkbook, except that it is much more convenient.
Is there anyone I shouldn’t pay through BillPay+Plus?
The BillPay+Plus payment service should not be used to make payments to settle securities purchases, payments to interest-bearing accounts, or court-ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
After I enroll in BillPay+Plus, how do I get started using it?
Paying Online Bills electronically is now easier than ever. You may use the BillPay+Plus payment service to pay anyone you choose. It does not have to be a large company. You may pay Online Bills from your checking account. Two signature accounts are not eligible for BillPay+Plus. After logging into your Online Banking account, choose the BillPay+Plus button on the top menu. At the bottom of your Accounts Summary Page, you will see a link to enroll in BillPay+Plus. Once in the BillPay+Plus module, you can start setting up your account and entering your payees. Once a payee is activated you can begin.
How do I access BillPay+Plus?
From within Online Banking, BillPay+Plus is available at the bottom of the Accounts Summary Page. It is labeled "List of Bill Pay Accounts".
When am I able to access BillPay+Plus?
24 hours per day, 7 days per week.
When can payments be scheduled?
Payments may be submitted at any time, day or night. All payments should be scheduled according to the process date and not according to due date. For example, payments should be scheduled to process before the actual due date. Estimated arrival times are automatically displayed during the scheduling process. We recommend scheduling first payments in advance to ensure timely delivery. Payments are electronically debited from your account on the process date. For same-day processing, please schedule payments before 3 p.m. Monday thru Friday.
What methods of BillPay+Plus support are available?
- Telephone: Call Toll Free 877-260-6007. This number is also at the bottom of the BillPay+Plus screen.
- Live Chat: Click on the Live Chat button on your BillPay+Plus screen to chat with an BillPay+Plus Support representative.
What are BillPay+Plus Customer Support hours of operation?
6:30 a.m. – 12:00 a.m. Midnight CST - Monday thru Friday.
What is the cutoff time for BillPay+Plus?
Changes and additions made before 3 p.m. are processed that same business day. After 3 p.m., changes and additions will process the next business day.
When will my payments be processed?
Your payments will be processed (sent out) on the PROCESS date that you enter for each payment. Please allow 2-3 business days for electronic payments and 5-8 business days for paper drafts AFTER the process date to reach your Payee.
When will my checking account be debited?
Your account will be debited on the 'PROCESS' date that you designate and remitted to your payee.
Which of my Community State Bank accounts can I use to pay my Online Bills?
You may use any checking account with Community State Bank for which you are an owner or an authorized signer. Please Note: Some accounts with special signature requirements/restrictions may be excluded from BillPay+Plus access.
May I pay Online Bills from multiple accounts?
Yes, you may pay from multiple checking accounts. To set up additional Community State Bank checking accounts access the View Accounts menu within the BillPay+Plus service.
How are my Online Bills paid?
Each business day we pull all scheduled BillPay+Plus payments for that day. Your account is debited and the money is sent to the payee one of two ways:
- Electronically through the ACH system.
- By draft (check) with your name listed as the sender, mailed through the U.S. mail to your payee. The drafts are prepared and mailed by iPay Technologies, LLC, our BillPay+Plus service provider, in Elizabethtown, Kentucky.
How do I know if a payee will receive electronic payments?
Before processing and approving a payment the system will state which method of delivery the system will use.
How do I cancel a payment?
To cancel a payment before 3:00 p.m. on the processing date, under Payments, click on 'Scheduled Payments' and then click 'Stop'. After 3:00 p.m., the payment cannot be canceled or stopped.
What happens if I don’t have enough money in my account to cover a BillPay+Plus? Will I be notified?
If your account has sufficient available funds to cover the payment, we'll draw against that, otherwise the payment will be canceled and not processed. If a payment is canceled due to insufficient funds, the bank will send a "Notice of Check Returned Due to Insufficient Funds” to your email address on file.
It is your responsibility to reschedule the BillPay+Plus for any canceled Online Bill(s). If a recurring payment is cancelled, future payments on the recurring schedule will not be affected; however, you will need to reschedule the cancelled payment if you want it to be paid.
Can I place a stop payment on a BillPay+Plus payment that has already been processed?
If the payment is electronic (that means no paper is involved), we cannot place a stop payment. If the payment is done by check or paper draft, a stop payment order may be placed if the check or draft has not been presented for payment. If it is paid by draft, please call BillPay+Plus Support at 877-260-6007.
Who do I contact if a payment has not been posted?
Before any research can be done on a payment that has not posted, please allow a minimum of 10 business days for a check payment and a minimum of 5 business days for an electronic payment and transfer to reach your payee. Usually it does not take this long, but this is the amount of time we allow the merchant to receive and post our payments. If the transaction has not been posted by that time, simply contact us by calling BillPay+Plus Support at 877-260-6007 (this number can also be found at the bottom of every page on the BillPay+Plus website). You may also chat with a Subscriber Services representative by clicking on the Live Chat button on the BillPay+Plus website. We will follow up on the transfer or payment and get back to you within 24 to 48 business hours.
What is a Challenge Phrase and Response and why is it required for certain transactions?
The challenge phrase and response is a question and answer that you established on your BillPay+Plus account. This question and answer should be one that only you know. Therefore, it provides an additional level of security with your BillPay+Plus account.
What is my Security Key?
To protect you from being “hooked” into any BillPay+Plus site other than your true BillPay+Plus site, we have introduced a new tool for your protection. We’re calling it your security key and this key will add a new level of security, protection and peace of mind for you. This key should be one of a kind and never shared with another Internet site or person. Once you’ve established your key, Community State Bank will then display your key each time you enter BillPay+Plus. You can now authenticate us as your true and legitimate BillPay+Plus site. Watch for your key display every time you enter BillPay+Plus. No key means you’ve been phished and you should report this to us immediately.
How do I cancel my BillPay+Plus service?
To cancel your BillPay+Plus service, you must notify the Electronic Banking Department in writing. Please notify us by emailing your request to Ebanking@Communitystatebank.net. or you may write us at Community State Bank, Attn: Electronic Banking Department, 1500 Main Street, Union Grove, WI 53182.
What if I need more information?
For specific information or questions regarding our BillPay+Plus service, please contact our Electronic Banking Department at 262-878-3763.