eZ Pay Frequently Asked Questions

What is eZ Pay?

“eZ Pay” is KALSEE Credit Union's electronic bill payment service in cooperation with iPay Technologies, LLC. We think you'll find eZ Pay to be one of the most convenient services you'll ever use. Once you enroll for eZ Pay, you can pay most any bill by Internet. We say “almost any bill” because there are a few exceptions noted below.

How soon can I start making payments?

You may begin using the eZ Pay as soon as you receive an emailed notice from KALSEE Credit Union confirming your enrollment. Please follow the e-mail's instructions in order to successfully login and begin using eZ Pay.

What does it cost to use eZ Pay services?

There is no cost. eZ Pay is a totally free service for all active KALSEE members. We encourage everyone to use it. Although we do not anticipate charging a fee for using eZ Pay in the foreseeable future, KALSEE Credit Union's Board of Directors reserves the right to impose a fee. eZ Pay users would receive a 30-Day advance notice of any fee.

How do I get started?

It is very important to note that in order to enroll for and use eZ Pay Bill
Pay Service, you MUST have the following KALSEE Services:

• You MUST be a current PC-TRANS Home Banking user. (PC-TRANS is a free services from KALSEE)
  
• You MUST have a KALSEE Checking Account. (All bills paid via eZ Pay are
  debited from your KALSEE Checking Account.)
  

If you do not currently have a KALSEE Checking Account, please stop by any
KALSEE office to open your KALSEE Checking Account OR call us at
269-382-7800 (toll free: 877-KALSEE1) for further information.

IF YOU DO NOT CURRENTLY HAVE PC-TRANS, ENROLL RIGHT NOW. CLICK HERE FOR THE
SECURE PC-TRANS SIGN-UP PAGE.

You will be sent PC-TRANS Home Banking “First-time Login” information from KALSEE via standard mail to your home.

Enrolling for eZ Pay

ONCE YOU HAVE SUCCESSFULLY LOGGED INTO PC-TRANS HOME BANKING, simply click on the eZ Pay tab. One of the nice features of eZ Pay is that you will not need to remember an additional password. Once you are logged into PC-TRANS, you simply click on the eZ Pay tab. Your eZ Pay bill pay program will be there for you without any need to enter a password.

When you first click on the eZ Pay tab, an enrollment page will appear. Fill out the required information. You will have the opportunity to double check the accuracy of the information you have entered. Then submit the enrollment form. Click ”I agree” on the KALSEE Bill Pay Disclosure. Your information is then sent for processing. If for some reason you do not receive an e-mail notice from us within a few business days, or if you experience any problems with enrollment, call our Millcork Street office at 269-382-7800 or toll free at 877-KALSEE1.

Upon receiving an e-mail notice from KALSEE, you may login to PC-TRANS, click on the eZ Pay tab and begin setting up your payees. A payee is defined as anybody (company or individual) to whom you want to send money.

Gather all of the information about any business, individual, family member, friend, professional or other payee who might generate an invoice for products or services that you may want to pay through eZ Pay. Gather together the names, billing addresses and your account number with the company or individual.

Is there anyone I cannot pay through bill pay?

You may pay almost any payee you wish. However, there are several restrictions:

• The merchant must be located in the United States 

• Payments may not be remitted to tax authorities or government and collection agencies 

• Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities 

• Court directed payments are unauthorized (Alimony, child support, or other legal debts).

Don't forget you CAN use this system to send payments to your son/daughter in college, pay your local orthodontist, credit cards, charitable donations, etc.

Should the processing date I give be the date the payment is actually due?

No. You should allow a minimum of five (5) business days for payments to reach your payee. Depending on the payee, you may need to allow additional days due to the distance the payment will travel. Remember, although you can schedule a payment at any time, payments are actually sent to payees only on business days. NOTE: Clients in *Mountain Time zones should allow 7 business days, Pacific Time zone, 8 business days.

How far in advance can I schedule a payment?

You can schedule a single payment for up to 90 days in advance.

How soon are funds actually taken out of my account?

Bill payments are debited from your account on the processing date you requested. There is no float.

What happens if I don't have enough money in my account to cover a bill payment?

If funds are not available on the requested processing date, your bill payment will be canceled and a fee may be charged to your account. Call our Millcork Street office at 269-382-7800 or toll free at 877-KALSEE1.

What is the difference between a variable/single bill payment and a recurring payment?

A variable/single bill payment is a one-time payment such as your telephone bill where the amount fluctuates each time. Or perhaps it is a payment you do not make regularly such as a florist you use only occasionally.

A recurring payment is one made regularly for the same dollar amount, on the same day each month such as your car or mortgage payment. You need only to set up a recurring payment once in the system and access the system only when the payment is to be changed or canceled. Otherwise, your recurring payments will be made automatically.

How are my payments delivered and how can I ensure that my payee receives my payment by the due date?

You may schedule payments to be initiated on the day you enter the information, on a future date or on the same date each month. Although you can enter payment information 24 hours a day 7 days a week, payments can only be initiated on business days.

After funds are withdrawn from your account, we may remit your payments by electronic funds transfer, or if the payee does not accept electronic payments, by mailing a check drawn on an account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed eZ Pay to deduct the funds from your account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be a minimum of five (5) business days before the bill's actual due date. Additional days must be added to this time frame if the payment is traveling outside of a 4 state radius. NOTE: Clients in *Mountain Time zones should allow 7 business days, Pacific Time zone, 8 business days.

For Bill Pay Inquiries call our toll free support line

(Hours: Monday – Friday 7:30 am thru 11:00 pm)

(877) 607-9579

Why does it take five business days and sometimes more for payments? (*Mountain Time zones, 7 business days, Pacific Time zones, 8 business days)

There are a several variables that must be considered. Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. mail. Once the check is received by the payee, it may also take a day or so for the payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your account to be posted. Holidays must also be taken into consideration.

If the bill payment does not arrive faster, then what are the advantages of paying my bills using eZ Pay?

There are several:

• Convenience; You pay your bills in the privacy of your home.
• Save money by not having to purchase as many checks, envelopes, and stamps.
• You use less paper checks so you'll save money on check printing costs, etc.
• You can consolidate all of your bill paying information in one very secure, easily accessed location.
• Set up recurring payments so that your bills are paid automatically each month.
• Pay multiple bills, with different due dates, all at the same time.
• No wasting gas or wear and tear on your vehicle running from place to place just to pay bills.
• Schedule payments ahead of time or while vacationing or traveling.
• You access eZ Pay within PC-TRANS home banking. NO NEED TO REMEMBER ANY ADDITIONAL PASSWORDS!

How close to the original payment date can I change or cancel a bill payment?

You can change or delete a bill payment any time before the processing date you specified. For Bill Pay

Inquiries call toll free (877) 607-9579

What should I do if a payee has not posted my payment?

First, be sure to allow a minimum of five (5) business days for a payee to receive your payment. CONTACT YOUR PAYEE. If a payee does not post your payment within ten (10) business days of the date you requested the payment to be processed, simply dial the toll free bill pay support line at (877) 607-9579 and press "0" for subscriber services. They will follow up on the payment and get back to you within 48 hours. *NOTE - Clients in Mountain Time zones must allow 7 business days, Pacific Time zones, 8 business days.

How do I add more payees?

Use the "SET UP ACCOUNTS AND PAYEES" button online. For assistance call our toll free support line at (877) 607-9579.

What do I do with the payment coupon book for stub?

These are no longer necessary items. You are welcome to just file them away.

How can I prove payments and transfers were made?

Each time you enter a payment you are given a transaction number so you can be sure we received your request. In addition, payments will appear on your monthly statement. Or, you may check your PC-TRANS account for a list of your History or call the toll free Bill Pay support line at (877) 607-9579 to hear a listing of your most recent transactions.

How can I cancel my bill pay service?

To make sure no payments are missed or duplicated, you will first need to delete any pending scheduled payments. Then contact KALSEE Credit Union at 269-382-7800 or toll-free 877-KALSEE1 to request cancellation of this service.

What if I have a question and want to talk to a real person?

You can reach a subscriber service representative at (877) 607-9579, and pressing "0". Subscriber services hours are 7:30 a.m. to 11:00 p.m. Monday through Friday, EST. If calling outside of these hours, simply leave a message and they will call you back on the next business day. The support line is closed on Federal Holidays.

How can I be sure no one else can access my bill paying service?

You will access the system by logging into your PC-TRANS account. Once you are logged into PC-TRANS, you are logged into eZ Pay. Simple click on the “eZ Pay” tab and the eZ Pay window appears. In accordance with KALSEE's On-line Banking Agreement, DO NOT share your PC-TRANS login information with anyone. If for any reason you believe this information has been compromised, please contact your KALSEE Credit Union or change your password immediately.

How secure is the bill pay process?

When you go to either the PC-TRANS or eZ Pay site, a secure connection is established that prevents any outside parties from viewing transaction information. Any data that is transferred between locations is also made over secure connections utilizing data encryption, and all account information is kept behind a firewall to prevent any outside access.

In addition, you will always know you are connected to eZ Pay Bill Pay Service because the first time you visit eZ Pay, you will be prompted to enter a keyword that only YOU know. Your keyword is only known by you and is stored within the secure bill pay system. All future visits to the eZ Pay site will display a semitransparent box on the screen showing your key word and the last date and time you used eZ Pay. The box disappears after a few seconds. This is a security procedure that assures you of an authentic connection to the eZ Pay website and not a phony website. (See KALSEE's website for additional information on “Phishing” scams)

If I currently have an automatic debit for a bill coming out of my checking account, should I cancel this debit and use my new bill pay program?

It is recommended that you NOT cancel any auto debit UNLESS your new bill pay program has the ability to electronically remit this payment to your payee. To determine if your payee is electronic with your new bill pay program, simply call the service and this information will be provided to you. Payees who have their own debit program will often times not ALLOW 3rd party processors to remit payments to them. Our main concern is that your bill be paid in a timely manner and safely. Some typical payees are, Insurance companies, Utility companies and Mortgage companies. Some other considerations….auto debits come out of your account on your 'due' date, therefore, you have the advantage of the float until then. With the bill pay program, your payment will be deducted from your account on the 'process date', which should always be a minimum of 5 business days BEFORE your due date.

Does the bill pay system offer a payment guarantee?

No. Unfortunately, we do not offer a payment guarantee. Once the payment is remitted, we are unable to control the posting cycle. We do, however, provide support for bill pay issues. In most cases, we are able to successfully have late charges and credit standings corrected for the end user. In the event iPAY is at fault, a manager at iPAY will evaluate the case and approve an adjustment to the end user.