1. What is the bill pay system called?
2. What features do I get with Pay Anyone?
3. What features do I get with Total Bill Pay Management?
4. Are there any other features I should know about?
5. How much does bill pay cost?
6. What makes Total Bill Pay Management worth paying for?
7. How do I sign up for bill pay?
8. How do I add funding accounts and update my personal information on Bill Pay?
9. How are bills paid? 10. How can I add a joint user to my bill pay?
11. Is Online Bill Pay hard to use?
12. What do I do if I have a problem with my bill pay?

1. What is the bill pay system called?
There are two different levels of our Online Bill Pay. The basic level is called Pay Anyone with Bill Pay. This includes 15 free payments each month. The deluxe level is called Total Bill Pay Management.

2. What features do I get with Pay Anyone?
Pay Anyone with Bill Pay may be our basic level, but it has all of the features you expect to find in a bill pay system.
You can:
- add and manage payees,
- receive electronic bills and
- schedule and manage payments.
- You can set up automatic payment instructions for your electronic bills. These instructions can be for a fixed amount, a minimum amount or the entire balance. Of course you can always change your instructions to manage your bills to fit your unique circumstances.

3. What features do I get with Total Bill Pay Management?
All of the capabilities of Pay Anyone, plus you have the capability of having bill presentment. If a company does not offer electronic bills, you can change your billing address to our bill pay company. When the bill is received, it is scanned into the system just as though it had been received electronically. It then will be paid in accordance with your payment instructions.

4. Are there any other features I should know about?
Both systems have e-mail notifications when:
- bills are received
- bills are not received when anticipated
- payments are scheduled
- payments are made
Both systems provide an optional CD with all of your bill pay history. This includes copies of any bills that have been presented and your payments.

5. How much does bill pay cost?
Pay Anyone is free for the first 15 payments each month.
Total Bill Pay Management costs $5.00 per month for the first 15 scanned bills and the first 15 payments each month.
Please see the fee schedule for additional charges that may occur.

6. What makes Total Bill Pay Management worth paying for?
Total Bill Pay Management offers a complete bill pay solution. If a bill is not presented, you still must manage the payment by inputting the amount to be paid and the date for payment. If a bill is presented, it can be paid in accordance with your established instructions for payment amount and payment date. Therefore, once you have set up all of your bills for presentment, either electronically or by mail, they will be paid automatically in accordance with your pre-established instructions. As long as you have money in your funding account, your bills will be paid without any further action by you. This means you can travel and not worry about your bills being paid on time.

7. How do I sign up for bill pay?
Pay Anyone with Bill Pay can be signed up for and accessed from your Internet Banking account. From your Internet Banking account click on the "More Features" button and then click on the "Pay Bills" button.

The first time you access bill pay, you will be presented with our Bill Pay Agreement (copy available under disclosures on our Canyon State web site). Upon agreeing to the terms of the agreement you will be signed on to your bill pay account.

No additional passwords are needed, but you must have an e-mail address recorded on your Internet Banking account. You also may have to adjust your security settings to allow pop-ups. Click here if you need help turning off pop-up blockers.

If you wish to upgrade to Total Bill Pay Management, please contact the credit union at 623.580.6000 or 800.224.3330. We will be happy to upgrade your bill pay service and/or answer your questions about the service.

8. How do I add funding accounts and update my personal information on Bill Pay?
The first time you sign up for bill pay all of your Canyon State checking accounts are added as possible funding accounts for bill pay. (This includes Smart - S(6), Plus - S(7), Easy - S(8) and Money Market Accounts (subject to monthly withdrawal restrictions) - S(10)).

Please contact the credit union if your credit union checking accounts change and/or you need to add another funding account to your bill pay.

Your personal information (address, phone numbers, e-mail address) are updated on bill pay from your credit union account every time you access bill pay.

9. How are bills paid?
Bills are paid electronically by ACH (Automated Clearing House) if possible. If not, a check is issued against your funding account.

10. How can I add a joint user to my bill pay?
You can add a joint user on your bill pay account by contacting the credit union. But, please remember that the joint user can only access Online Bill Pay account through your Internet Banking account.

Even if you don't want a joint user to access Online Bill Pay through your Internet Banking, you may wish to add them as a joint user, so you can have their bills presented to bill pay.

11. Is Online Bill Pay hard to use?
I think you will find our Online Bill Pay system is very easy to use. It is very intuitive and there is a comprehensive help section to answer your questions. *add link for flash video

12. What do I do if I have a problem with my bill pay?
If you have a problem with Online Bill Pay, please contact us at 623.580.6000 or send an e-mail to memberservice@canyonstatecu.org.