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Frequently Asked Questions:
What
are the benefits I will enjoy with OnLine Bill Payment?
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Pay
almost anyone who you would pay with a check - a business,
family member, or friend
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Schedule
recurring payments for bills that are the same dollar amount
each month
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Receive
confirmation of your bill payments
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Experience
added flexibility and time-savings that you do not get with
writing checks
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Eliminate
the need for checks, envelopes and stamps
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Reduce
the chances of fraud by protecting the privacy of your account
number
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Access
bill payment information in one place
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Receive 50 Kish
Rewards points when you pay 8 or more bills online from your
Priority Club checking account each month
How
does OnLine Bill Payment work?
OnLine Bill Payment is a service that allows you to set
up bill payments to businesses and individuals.
For purposes of transactions, our business days are Monday
through Friday, excluding holidays.
OnLine Banking and Bill Payment services are available 24
hours a day, 7 days a week, except during special maintenance
periods. All bill
payment requests received after
9:00 PM EST
on a business day will be processed on the next business day. Payments
are either made electronically or by check.
What
accounts can be linked to my OnLine Bill Payment service?
Any of your personal Kish Bank checking accounts can be
linked to your OnLine Bill Payment service…Regular, Priority Club,
Interest-Earning, and more. At
this time, OnLine Bill Payment is not available to organizations,
businesses, and corporations.
What
is the monthly charge for OnLine Bill Payment?
OnLine Bill Payment is FREE to all personal banking
customers. Sole
proprietors can pay 25 bills for only $5.95 per month. Over
25 bills a month, you pay only $0.35 each.
Can
I pay a local or out-of-town merchant that does not bank with Kish
Bank?
You can pay anyone, anywhere in the United States. You can also add new
payees to your list any time and at no charge.
Can I set up a payee in another
country?
OnLine Bill Payments may only be made to a United States
payee (which includes
Guam, Puerto Rico,
U.S.
Virgin Islands) in United States
dollars.
Do I
need to contact my payees to tell them I am using a bill payment
service?
No. Your
payees do not need to do anything different to process OnLine Bill
Payments. Your payments
will be made by paper check or electronically, and will clearly
indicate your payment information.
How
do I add a payee?
Use the Payee search function within the product to find
and add your new payee. If
the new payee is not listed, simply select Manually
Enter Payee(s) and enter the required information.
How
long does it take to setup a new payee in OnLine Bill Payment?
Setting up a new payee takes as long as it takes you to
complete the screens. Once
the new payee is entered, you can schedule a payment immediately.
How
do I change a payee’s name and address?
To change any payee from the Payee Summary list, click on
Payee Details (far right
hand column), and click on Change
Information. The
only fields that may be changed are Account
Number, Name on Account, Payee Nickname and Payment Category.
For any other changes, delete the payee and re-add it with
the correct information. Please
note - it is not uncommon for larger companies, like AT&T to
change their mailing address from time to time especially if your
payments are being sent electronically.
In this case it is not necessary for you to update the
mailing address.
How
do I delete a payee?
Cancel all scheduled payments for the payee by accessing
the Pending Payments
screen and click on the word Cancel
under the ACTION column. A
pop up screen appears –“Are you sure you want to delete this
payment?” Click OK
if you want to delete the payment. You will receive the message
“Your payment to ABC Company on MM/DD/YY has been canceled.”
Can
I check balances in my accounts, transfer funds, and find out what
checks and OnLine Bill Payments have cleared?
These services are available to you automatically and at
no extra cost as part of the OnLine Banking and Bill Payment
package.
Can
I make multiple payments to the same payee on the same day?
You can make multiple payments to the same payee on the
same day as long as the payment amounts are different.
For your protection, the system will not pay duplicate items
for the same payee on the same day.
How
do I know that a payment was made?
You will receive an e-mail notification when your payment has
been completed. Also,
you can visit Kish Bank’s website, click on Bill
Payment, and select Payee
Management. Under
Payee Management, choose one of your Payees
from the list. Go
to the far right hand column click on Payments.
You will receive a payment history for that particular payee.
Status column will indicate whether or not the payment is in complete
or schedule mode. You also
have the capability to customize your reports.
What
record will I have of my payments?
We’ll list everyone you pay right on your checking
account statement. You’ll
have a quick reference with date and amount of every payment.
When
should I set up my payments to make sure they are paid on time?
Minimum payment lead
times will be provided based on whether the payee accepts
electronic payment or paper check payment.
Payments to electronic payees should be scheduled a minimum
of 3 days before the payment due date.
Paper check payments should be scheduled a minimum of 5 days
before the payment due date.
What
date do I put in the ‘Transmit Date’ field?
For a future-dated payment, the transmit date should be
the day that you want your payment to be processed.
Are
there any payments that I cannot make using OnLine Bill Payment?
Payments cannot be made in foreign currency or to
international payees. Payments
to
U.S.
government agencies are not recommended, as there will be limited
ability to research any issues that may arise due to the
government’s strict adherence to the Consumer Privacy Act.
Kish Bank will not be responsible for any late fees or
penalties that may be incurred by these types of payments.
What
if I have a problem with a payment?
Simply call one of our Customer Service specialists at
717-667-9800 or 1-800-981-5474 between
9:00AM
and
5:00PM
, Monday through Friday.
Will
I need special software?
All that you need to use OnLine Bill Payment is a browser
and Internet access.
Is technical support available?
No. You are responsible for the installation,
maintenance, and operation of your computer and your software.
The risk of error, failure, or nonperformance is incurred by
you, including the risk that you do not operate your computer or
your software correctly. Kish
Bank is not responsible for any errors or failures from any
malfunction of your computer or your software, nor is Kish Bank
responsible for computer virus-related problems that may be
associated with the use of the Consumer OnLine Banking and Bill
Payment system; and shall have no liability to you for any damages
or other loss, direct or consequential, which you may suffer or
incur by reason of your use of your computer or your software.
Whom
should I contact if I have more questions?
Please contact our OnLine Banking Support Team between
9:00AM
and
5:00PM
at 717-667-9800 or 800-981-5474 with any questions you may have.
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