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Bill Payment FAQs

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 Online Bill Pay and see how easy it can be.

 

What is Bill Pay?

Bill Pay is a service offered by Regions Online Banking that allows you to set up online bill payments to just about any company or person. You select which person or company you want to pay, and Regions Online Bill Pay allows you to choose the pay date for a bill to be paid and for the funds to be removed from your account.

You can Add a Biller, review your Pending Payments, check Bill Reminders, view your e-Bills and more from one easy-to-navigate Payment Center. You can also choose to view "Bill History" and "Manage Your Bills" — all using the tabs at the top of the Bill Pay screen.

Additionally, with Regions e-Bills, you can elect to receive actual copies of your merchant bills directly through Regions Online Bill Pay. You no longer have to wait to receive bills in the mail or log into your biller's site. E-Bills are available from hundreds of companies, including major utilities and retailers nationwide, so you can unify and centralize your bill paying. (See When is the money for the payment withdrawn from my account? for more information)

 

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

 

How much does Bill Pay Cost?
There's no charge for Bill Pay! If you are a personal or small business account customer, you can pay as many bills as you want. Just see for yourself how you'll save time and money paying your bills online.

 

What is a Biller?
Also known as a Payee, a Biller is any company or person you would like to pay using Regions Online Bill Pay.

 

How much of my Payment History can I view online?

You can review your payment history for up to 24 months in Bill Activity. You are able to download your payment info into a comma-separated values (CSV) file and import the file into a number of different personal financial software applications.

 

What are e-Bills and how do they work?

With Regions e-Bills, you can now choose to receive actual copies of select merchant bills directly through Regions Online Bill Pay. You will no longer have to wait to receive your bills in the mail or log into your biller’s site. E-Bills will be available from hundreds of companies, including major utilities and retailers nationwide.

 

Do I need to sign up with the merchant to receive e-Bills?
No, you have the ability to sign up for e-Bills for select merchants directly from within Regions Online Bill Pay.

 

Will I continue to receive paper statements from the merchant once I enroll in e-Bills?

There may be some overlap from the time you sign up for e-Bills and the time the merchant stops sending a paper statement via the U.S. mail. However, after signing up for the service, you will only receive that merchant’s statements via e-Bill. If you continue to receive paper statements, you will need to contact the merchant and request that paper statement no longer be distributed to you.

 

How do I view and pay my e-Bills?

Merchants offering e-Bills will appear in the Payment Center with a "Get Bill" icon to the left hand side of the biller name. To pay an e-Bill, click on the icon and follow the on screen instructions to view/pay your e-Bill.

 

What accounts can I pay bills with?
Regions customers with a valid checking and/or money market account can use Regions Online Bill Pay.

 

How are my payments sent to billers?
Payments made through Regions Online Bill Pay are processed either electronically or by check.

 

How will I know if a payment is made electronically or by check?
When you are scheduling a payment, the dynamic payment calendar allows you to pick your first available pay date and discloses if the payment will be sent electronically or by paper check. For electronic payments, the first available pay date will show as the next business day, in most cases. For check payments, the next available pay date will typically show anywhere from 2-5 business days later.

 

How far in advance can I schedule a payment?
You can schedule a payment up to one year in advance.

 

Can I change or cancel my scheduled Bill Payment?

You may change or cancel any payment four or more days prior to the payment date or as long as the payment is in a "Pending" status. You may review your previously scheduled or pending payments in the "Pending Payments" box within the Payment Center.

If the payment is in a "Processing" status, it will be necessary to contact us as 1-800-472-2265 to determine if a stop payment can be placed on the item.

 

Can I schedule a payment for a weekend or holiday?
No. In Regions Bill Pay, only business days will show as available pay dates. If you have a recurring payment that falls on a weekend or federal holiday, that payment will automatically be adjusted to the closest previous business day. For example, if your recurring payment is scheduled for Saturday, it will automatically be rescheduled for the Friday before.

 

Can I be notified about a scheduled payment once it is paid?

You can set up "Reminders" on billers and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent. You can also view the status of recent payments in the Payment Center "Recent Payments" section, and view payment history on the Bill Activity page.

Payments sent as a laser draft check are automatically moved into a "Paid" status once the check has been mailed. In order to determine if the item has cleared the account, please review the account summary information.

 

How can I help ensure my payment is received in a timely manner?

You can help ensure your payments are received in a timely manner by providing accurate biller information, such as their address, your account information and by ensuring there are sufficient funds in the account the payment will be deducted from.

 

When is the money for the payment withdrawn from my account?

If the payment is sent electronically, the money is withdrawn from your account on the pay date you selected. If the company or person cannot receive electronic payments, we print a check and mail it to the billing address.

For paper checks, the funds are debited when the company or person deposits or cashes the check. This means that the payment may draft prior to the selected pay date. NSF/Overdraft fees may apply where applicable.

 

What happens if a Bill Payment attempts to clear my account and there are insufficient funds in my account?

An overdraft or a returned item can occur when an item is presented for a payment and there are not enough funds available in the account to cover the transaction. Fees may apply.

For more information on Standard Overdraft Coverage and Overdraft Protection services please refer to our Overdraft Coverage FAQs, visit any branch location or call 1-800-REGIONS (734-4667).

 

What causes a Bill Pay account to enter collections?

A Bill Payment account may enter an inactive/ frozen status if there is an outstanding uncollected Bill Payment. Once the account enters into this status, Bill Payments may or may not suspended until the status is removed.

For more information, please contact us at 1-800-472-2265 to determine if a stop payment can be placed on the item.

 

What happens when a frozen status is removed from a Bill Pay account?

Once a frozen status is removed from a Bill Pay account, payments scheduled with a pay date that occurs after the frozen status is removed will process as usual. Payments with a pay date that occurred while the account was in a frozen status will not be sent.

If you need to change or cancel any payment, you may do so four or more days prior to the payment date or as long as the payment is in a "Pending" status. You can also review your previously scheduled or pending payments in the "Pending Payments" box on within the Payment Center.

 

What if I still have more questions about Regions Online Bill Pay?

If you still have questions regarding Regions Online Bill Pay, please call us at 1-800-REGIONS(734-4667) or visit us at a branch today!