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Bill Payment FAQs

Answers to your Questions.

Paying Bills online is a powerful feature of Regions Online Banking. Pay anyone from your utility company to the babysitter. You may never have to write another check. Review the questions below to learn more about paying bills online and see how easy paying bills can be.

 

 

What is Bill Pay?
  • Bill Pay is a service offered by Regions Online Banking that allows you to set up bill payments to just about anyone. You select which person or company you want to pay. Bill Pay will withdraw the money from your account and send the payee a paper check or an electronic payment. You may schedule payments well in advance, and may set up one time or recurring payments.

 

Who can use Bill Pay?
  • Anyone who has a Regions personal or small business checking account may enroll for Regions Online Banking with Bill Pay.

 

How much does Bill Pay cost?
  • It's FREE! Personal and small business account customers can pay as many bills as you want absolutely free. Just see for yourself how you'll save time and money paying your bills online.

 

How do I set up a payee?
  • By selecting “Add Payee” within the Payments section of Regions Online Banking with Bill Pay and completing all of the required fields, you can add a payee to your list of available merchants and schedule a payment on the same day. Step-by-step instructions.

 

How are payments made?
  • Paper-based payments are sent through a national mail system and electronic payments are sent through an electronic delivery system.

 

How far in advance must I schedule payments?

  • You should schedule payments to allow at least 5 business days, or 3 business days if the payment will be
    sent electronically, between the date payment is initiated and the payment due date.

 

When I add a new payee, do I have to wait before I can make my first payment?
  • No, you can schedule a payment to be sent on the same business day as long as it is set-up and scheduled prior to 6 p.m. Central.

 

What payments can I make through Regions Online Banking with Bill Pay?
  • Generally, you can pay anyone within the United States, subject to certain service restrictions and limitations. Some payment transactions (for example, court-directed payments) are not permitted. Please refer to the Regions Online Banking Agreement and Disclosure Statement for details.
  • Effective September 18, 2009, Online Banking customers must not use the service to initiate payment transactions that must be classified international automated clearing house transactions (IATs) under the rules of the National Automated Clearing House Association (NACHA). An IAT is defined generally as a payment that has been funded internationally or is being sent to another country and a part of the transaction will be processed via the automated clearing house network. It is the customer’s responsibility to determine whether any transaction is an IAT and to comply with the service obligation not to initiate an IAT through Regions Online Banking. More information about IATs and NACHA’s rules for IATs is available at http://www.nacha.org/IAT_Industry_Information/.

 

Who pays any of the late fees if the payee does not receive my payment?
  • For personal online banking customers making payments to a business, we will reimburse you for any late payment fees or penalties you are required to pay, up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Payee to receive a payment made through the Service by the Due Date if you meet certain conditions.*
  • * See Regions Online Banking Agreement and Disclosure Statement for terms and conditions.

 

How do I create a payment?
  • There are two easy ways to submit payments through Regions Online Banking. Pay any or all of your payees from the Payment Center or quickly add one-time payments by using the Single Payments option. Access our Getting Started Guides for step-by-step instructions on how to make payments using either option.

 

Can I set up a recurring payment?
  • Yes. To set up a recurring payment, simply access the Payment Center, locate the payee and select the “Set up a recurring payment “link located directly beneath the payee. Complete the fields provided and follow the onscreen prompts. View our step-by-step instructions for more detailed instructions.

 

Can I add a memo to my payments
  • Yes. To enter a memo for one of your payments, simply select the Add Memo link. Memos can be up to 40 characters in length. Please note that payment memos will only be sent to payees that receive check payments. Payment memos will not be sent to payees that accept electronic payments.
  • Even if we are unable to send your payment memo to your payee, the payment memo is always retained for your records with the payment history. To see your payment history, select Payment Center from the Payments menu and click on the Payee Nickname.

 

 

Can I choose the payment method?
  • No. Our bill payment service works with the payees (based on activity) to increase electronic payment acceptance and to determine how the payee can accept payments.

 

How many payments can I make at one time?
  • You may pay any or all of your payees from the Payment Center. The Single Payments page will allow you to make up to 10 payments at one-time.

 

What is Send On Date?
  • The Send On Date is the date on which you would like the payment initiated and funds debited from your account. Please allow a minimum of 3 business days between the Send On Date and the due date for electronic payments and 5 business days between the Send On Date and the due date for check payments in order to allow sufficient time for your payee to receive the payment.

 

What is the Delivery By Date?
  • The Deliver By Date is an estimated target date for your payee to receive the payment. Please allow a minimum of 3 business days between the Send On Date and due date for electronic payments and 5 business days between the Send On Date and due date for check payments to allow sufficient time for your payee to receive the payment.

 

What happens if the payee rejects the payment?
The bill payment service will immediately notify Regions. Regions will then contact you to obtain the necessary information to resubmit the payment.

 

Why hasn't a payment been posted by the Deliver By Date?

  • Payment processing times may vary depending on your payee. The Deliver By Date is an estimated target date for your payee to receive the payment. If your payment has not posted by this date, please log in to Online Banking and check that your payee information is correct and call us at 1-800-4PC-BANK (1-800-472-2265).

 

Who should I contact if I have a payment inquiry?
  • Should you have any questions regarding a payment, please call Regions Online Banking at 1-800-4PC-BANK (1-800-472-2265), Monday through Friday between 6 a.m. and 7 p.m. or Saturday between 6 a.m. and 2 p.m. Central Time or log in to Regions Online Banking and send us a secure message.

 

When are payments deducted from my account?
  • The payment is deducted from your account on the date you enter in the "Send on Date" field when setting up the payment. The payment is then sent to the merchant either electronically or by mail.

 

 

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