Pay bills from
your computer
anytime of day!

Electronic Bill Pay

Electronic Bill Pay is a convenient electronic service that allows you to pay bills through PC-TIED, our free Internet Banking Service. Best of all, you can use Bill Pay to pay any bill except government entities like the IRS. Whether it's paying your mortgage, the gardener or the phone company, Bill Pay takes funds from your checking account and sends them to your payee.

Bill Pay also comes with an automatic payment feature. If you're away from home or on vacation, you can preset Bill Pay to pay your bills on time! Bill Pay simplifies your life and saves you money, too! To view an online demo, or sign up for Bill Pay, login to PC-TIED and click on the Bill Pay icon.

Click here to get started, login to PC-TIED as usual and click "Pay Bills" - you'll be asked to register for the service and view our disclosure before starting. The following resources will help you get to know EBP better:

 Did You Know?

Your EBP payments are expertly handled by a third party processor that has other financial institutions as clients and does nothing but bill payment and presentment.

This not only means top-quality service and extensive knowledge of this growing market, but access to the bill payment information for thousands of creditors across the United States!

What is the cost for EBP?

Electronic Bill Pay is free to all FIGFCU members who use PC-TIED

Who can I pay through EBP?

All creditors and private parties excluding overseas merchants and State, Local, or Federal Government agencies.

Are payments made by check or direct credit?

EBP payments are sent either by Electronic Funds Transfer (EFT - the preferred method) or paper check, whichever the payee accepts.

Whenever possible, your payment will be sent by EFT; these payments are directly credited to your account and take just two business days. If the payee does not have EFT capability, a check will be sent instead. To allow for mail time, check payments take five business days.

How are funds debited?

You can choose to make payments from any share account under the same membership number as EBP is active on. Funds are debited two to five days prior to the due date you set for payment (see above).

How do I get started?

Make sure you have printed our instructions for adding a payee. This will explain the screens and terms you'll be viewing. Then, log onto PC-TIED as usual and click "Pay Bills" to register for service!

How do I discontinue service?

Simply log onto PC-TIED. Click the "Pay Bills" icon at the top of the screen, then click "Additional Functions" followed by "Stop Bill Pay Service".


Things to know for the first payment

  • The Due Date field is for the date payment should reach your merchant, not the date you want funds to be sent.
  • Allow extra time. 10-15 days ahead of the due date is recommended to allow the first payment to a new payee plenty of time to post. Or, if that doesn't fit your payment schedule, use the "Finish Payee Setup Without Payment Info" option to load your record and wait until the following month to send it. By then, we'll know how best to send each payment.
  • Counting on Direct Deposit for funds? EBP transactions are processed before direct deposit is received for the day, so payments that require direct deposit funds will go out the following day instead.
  • Don't forget the short name. The short name is how your payment is identified in transaction history, so think of one that is both descriptive and easy to spot!

Remember, you can e-mail us with any questions you have. Include your name, member number, and daytime phone so we can research any problems and address your inquiry.
Click here to Contact Us!


 Add A Payee

Important Notes

You should allow 10-15 days for your first payment to make sure it has enough time to reach your merchant. If your due date is within a few days, consider setting up your payee record (see "Finish Payee Setup" in step 3 below) but make your first payment next due month instead.

All payment schedules are figured in business days, not calendar days.

Step 1: Search

Search for your payee in our database of verified merchants. This will save you time, and your payment will process quickly!

  • Enter your payee's name in the box provided and click SEARCH.
  • Choose the record (if any) that matches your payee.
  • Click the "Add a Payee" button at the bottom of the table.
Note the Days to Pay column.   A 2 day pay is an electronic funds transfer (EFT) and 5 day pay is a check.

Step 2: Input

All fields with a title in blue are required. Enter information as it appears on your statement or remittance. Don't forget the Payee Short Name - 10 letters/numbers. The Short Name is used to identify your payee in your transaction history, so it is very important!

Step 3: Method

A Manual Payment is used for bills that have changing amounts and/or due dates each time you need to pay. Great for credit cards. You'll probably use the Manual Payment option for most payees.

Automatic Payment describes a regular payment that is the same amount each time. You just need to set it up once and it will be sent automatically each successive time. Great for mortgage and car payments.

If you want to add a payee record without making a payment, choose Finish Payee Setup. It will be waiting for you when you get ready to send a payment. In the meantime, we'll match it to our payee database and verify whether it is an electronic or check payee! Note: you'll skip Step 4 if you use this option.

Step 4: Payment Info Screen

(Skip this step if you decided to setup the record without making a payment.)

Automatic payments will ask for frequency of payment, Payment Start Date (the date your bill is due at the merchant), and an end date. You'll probably choose ongoing payment most of the time.

A manual payment will just ask for the Pay on Date in place of the Payment Start Date. Leave this date in place to send your payment the next business day, or schedule a future date (funds will be taken from your account 2-5 days prior to that date).

Set your amount and choose your account to pay from if necessary. Click Next to proceed.

Step 5: Confirm Payment Screen

EBP will compile the information you have entered for your verification. Please note the following:

  • Funds Must Be Available On is when funds will be debited from your account to pay the bill you have set.

  • Payment Request Date is the date you specified as the due date.

Note: Both of these fields will have the same date if you have scheduled an immediate pay. These fields will be missing if you chose "Finish Payee setup without Payee info" from the first screen.

Step 6: Finish!

Click "Finish" to add your payee record. At that time you will get a screen that says "Payee Process Completed." You're done!  





FARMERS INSURANCE GROUP FEDERAL CREDIT UNION ELECTRONIC BILL PAYMENT SERVICES DISCLOSURE AND AGREEMENT

In this Disclosure and Agreement, the words I, me, mine, my, us, and our mean each and all of those (whether one or more persons) who apply for and/or use any of the electronic services described in this Disclosure and Agreement. The words your, you, yours, and Credit Union mean Farmers Insurance Group Federal Credit Union. This Disclosure and Agreement concerns preauthorized transfers initiated through a home or office personal computer (PC-TIED) for paying bills to third parties. My acceptance, retention, or use of an access code constitutes an agreement between you and me as described below. All transactions, which would otherwise require my signature, or other authorized signature, shall be valid and effective as if signed by me when accomplished through use of a code. I understand that the agreements, terms, conditions, rules and regulations applicable to any accounts accessed remain in full force and effect and continue to be applicable, except as specifically modified by this Disclosure and Agreement.

BUSINESS DAYS
Your business days are Monday through Friday, 7:30 a.m. to 3:30 p.m. PST. Holidays are not included.

MEMBER'S LIABILITY
I must tell you at once if I believe my access code has been stolen. Telephoning is the best way of keeping my possible losses down. I could lose all the money in my account, plus my maximum overdraft line of credit. If I believe my code has been stolen, and I tell you within two business days after I learn of the theft, I can lose no more than $50 if someone used my code without my permission.
If I do NOT tell you within two business days after I learn of the theft of my access code, and you can prove you could have stopped someone from using my code without my permission if I had told you, I could lose as much as $500.
Also, if my statement shows transfers that I did not make, I will tell you at once. If I do not tell you within 60 days after the statement is mailed to me, I may not get back any money I lost after the 60 days if you can prove that you could have stopped someone from taking the money if I had told you in time.
If a good reason (such as a long trip or a hospital stay) kept me from telling you, you will extend the time period.
I am fully liable for an electronic fund transfer from my account initiated by a person to whom I furnished my access code or other access to my account, even if such person exceeds the authority given, unless I have notified you that transfers by that other person are no longer authorized.

TELEPHONE NUMBER AND ADDRESS
If I believe my access code has been lost or stolen or that someone has transferred or may transfer money from my account without my permission, or in case of errors or questions about my electronic transfers, I will call you at (323) 935-0100 or (800) 877-2345, send via facsimile transmission to (323) 930-3467 or write you at:
Farmers Insurance Group Federal Credit Union
PO Box 36911
Los Angeles, CA 90036-0911

ERROR RESOLUTION
I must call or write you as soon as possible, if I think my statement or receipt is wrong, or if I need more information about a transaction listed on the statement or receipt. You must hear from me no later than sixty (60) days after you sent me the FIRST statement on which the problem or error appeared. I will:
1. tell you my name and account number;
2. describe the error or the transfer I am unsure about, and explain as clearly as I can why I believe it is an error or why I need more information; and
3. tell you the dollar amount of the suspected error.
If I tell you orally, you may require that I send you my complaint or question in writing within ten (10) business days.

You will tell me the results of your investigation within ten (10) business days after you hear from me and will correct any error promptly. If you need more time, however, you may take up to forty-five (45) days to investigate my complaint or question. If you decide to do this, you will provisionally credit my account within (10) business days for the amount I think is in error, so that I will have the use of the money during the time it takes you to complete your investigation. If you ask me to put my complaint or question in writing and you do not receive it within ten (10) business days, you may choose not to provisionally credit my account during the additional time that may be required to investigate my complaint or question.

Exception for new accounts. You have up to twenty (20) business days to provisionally credit my account if the notice of error involves an electronic fund transfer to or from an account within thirty days after the first deposit of the account was made (i.e., a new account). You may take up to 90 calendar days to complete your investigation.

If you decide there was no error, you will send me a written explanation within three (3) business days after you finish your investigation. I may ask for copies of the documents that you used in your investigation.

CREDIT UNION LIABILITY
If you do not complete a transfer from my account on time or in the correct amount according to your agreement with me, you will be liable for my losses or damages. However, there are some exceptions. You will not be liable, for instance:
1. If, through no fault of yours, I do not have enough money in my account to make the transfer.
2. If the transfer would go over the credit limit of my overdraft line.
3. If circumstances beyond your control (such as fire or flood or delayed mail delivery) prevent the transfer, despite reasonable precautions that you have taken.
4. If equipment, phone lines, or computer systems were not working properly or were temporarily unavailable.
5. If you have received incorrect or incomplete information from me or from third parties (e.g., an automated clearing house).
6. If the funds in my account are subject to an uncollected funds hold, legal process or other circumstances restricting such transaction or payment (e.g., account levy or Regulation D restrictions).
7. If mail service is delayed or the payee does not process the payment correctly or in a timely manner.
8. If mortgage payments are entered with a due date later than the first of the month.

CONFIDENTIALITY
You will disclose information to third parties about my account or the transfers I make:
1. Where it is necessary for completing transfers, or
2. In order to verify the existence and condition of my account for a third party, such as a credit bureau or merchant, or
3. In order to comply with a government agency or court orders, or
4. If I give you my written permission.

FEES
There is no fee to use Electronic Bill Pay.

TYPES OF TRANSFERS AND LIMITATIONS
Automatic Overdraft
I may make transfers (withdrawals, cash advances, payments) only to the extent that I have funds available in my deposit account(s), plus funds in my overdraft line-of-credit, if any. Unless otherwise requested, overdrafting will occur first from my Membership Savings account and then from my MasterCard account, if any. Any other choice of automatic overdraft (e.g., line-of-credit overdraft) must be specified. I understand that overdraft transfers from Membership Savings will be in $100 increments ($20 increments for Check Card overdrafts through the VISA system) or all funds available, and from the MasterCard in $50 increments (M/C cash advance fees apply).

If I overdraw any account, you may withdraw funds from any account or make a cash advance from my line-of-credit account, if any, or a withdrawal from other accounts on which I am a joint owner. Overdrafts which cannot be honored are payable on demand and may result in termination of my account.

Federal Restrictions
In accordance with Regulation "D" restrictions, preauthorized, automatic, or telephone withdrawals or transfers from
share accounts (Savings S1, S5) are limited to six (6) in each calendar month. No more than three (3) of the six (6) transactions may be made by check, or other payment order. Loan payments to the Credit Union are not included in these limits.

Transfers in excess of the above limitations will not be honored.

Electronic Bill Payment through Home Banking (PC-TIED)
Electronic Bill Payment (EBP) is accessed through PC-TIED on a personal computer. An 8-digit alphanumeric password issued by the Credit Union is required for using PC-TIED. The password can be changed at any time through PC-TIED.

Electronic Bill Payment (EBP) may be used to pay merchants, vendors, service providers, creditors, and private parties. EBP may not be used to pay parties outside of the United States, or to pay State, Local, or Federal Government agencies, or to pay collection agencies. EBP transactions may not exceed $9,999.99 per payment.

Preauthorized Recurring Transfers
Bill Payments initiated through my personal computer (PC-TIED) will be transmitted through electronic deposit or a check. If transmitted electronically, the funds will be removed from my account two business days prior to the designated due date. If transmitted by way of a check, the funds will be removed from my account five business days prior to the designated due date.

DOCUMENTATION AND NOTICES
Periodic Statements
I will get a monthly account statement, unless there are no transfers in a particular month. In any case, I will get a statement at least quarterly.

Preauthorized Transfers
If I have initiated preauthorized transfers through EBP at my Credit Union and the entry is not transmitted to another institution due to insufficient funds, I will be charged an NSF fee of $20.00.

STOP PAYMENTS
If I have told you in advance to make regular payments out of my account, I have a right to stop any of these payments.

If I want to stop a payment I set up through Electronic Bill Pay on PC-TIED, I must cancel the payment through the “Bill Payment Additional Functions” screen before the funds are removed from my account, i.e., five business days prior to the due date for payments transmitted by check; two business days for payments transmitted electronically.

If I want to delete a payee I had set up through Electronic Bill Pay, I must wait until the last scheduled payment has reached and been processed by the payee.

TERMINATION OF ELECTRONIC SERVICES
Any access device (code) remains the property of the Credit Union. You may cancel, modify or restrict the use of any code, or preauthorized transfer, upon proper notice or without notice if my account is overdrawn, or if you are aware that I have violated any term of this Disclosure and Agreement, whether or not I suffer a loss, or where necessary to maintain or restore the security of my account(s) or an electronic fund transfer system

I may terminate the Bill Payment Service at any time through PC-TIED.