· Pay most businesses and individuals anywhere in the United States.

· Schedule single payments up to one year in advance.

· Set up recurring payments (such as your mortgage, car payment, rent or cable bill).

Has Electronic Bill Payment been tested and in use for any length of time?
Yes, bill payment has been in use for years and uses the same system relied upon for the processing of direct deposit and direct payment.

How much does Online Bill Pay through the Internet cost?
Bill Pay is FREE for customers with a Eureka Bank personal checking account. Any fees associated with your standard deposit accounts will continue to apply. You are responsible for any telephone and Internet access charges.*

Which of my Eureka Bank accounts can I use to pay my bills?
You may use any eligible Eureka Bank checking account.

I initially enrolled in Eureka by Web without Online Bill Pay, but would now like to enroll in Online Bill Pay also. How do I enroll?
Log on to Eureka by Web and click on the "Bill Payment" icon on any page. Complete the Bill Pay Enrollment Application online and submit it electronically. You must click the check box next to the terms and conditions to continue the application process. You should review the terms and conditions by clicking on the link provided. Upon approval, you will be notified how to access this service by secure Bank Mail.

How do I set up payments?
Once you log into the bill pay system you can search a database for your payees or enter them manually. Entering payees manually is simple and easy. You need only type in the payees' name, mailing address, phone number, and your account number with them (if you have one). You can make payments to anyone you wish within the United States from the paperboy to your mortgage. You are restricted from making Federal Tax payments, alimony, and child support on the system.

I am attempting to set up my payee and I get this message: The server was unable to add the following account. Why?
The database has a format for account numbers with payees. The number that you entered did not match the format on file for that payee. You can either exit out of the database of payees and create the payee manually or try again.

Format Example: '431301'10N
This code tells you that your account number should start with the numbers 431301 and then be followed by ten more digits like this: 4313013012341234

How do I cancel Online Bill Pay service?
You will need to ensure that all of your payments have been processed. To cancel the service, you must notify us in writing by mail or by our secure Bank Mail feature on Eureka by Web.

Who can I pay?
You can pay virtually anyone with a United States address using the Online Bill Pay.

Can the bill payment system make payments to payees that are not set up to receive electronic payments?
Yes, the bill payment service provider will determine for you if the payee accepts electronic payments or not and pay them accordingly. Payments are either processed electronically or by the issuance of a traditional check. You may even consider contacting your payees to encourage them to accept electronic payments.

How do I tell if my payment was made electronically or by check?
The payee list has a column that indicates the type of payment for each payee in your list.

Can I process multiple payments to the same payee on the same day?
To protect you from double payment errors the system will not allow duplicate items to be processed on the same day. You may however, process multiple payments to the same payees if they are for different dollar amounts.

What types of bills may NOT be paid through Online Bill Pay?
You cannot use Online Bill Pay to pay taxes or court-ordered payments, or to settle securities purchases.

How are my bills paid?
Payments are sent electronically or by check depending on the merchant's arrangement with our processor. Sometimes a check may be sent even if the payee accepts ACH payments.

Is my bill paid when my account is debited?
Your payment is debited from your account the business day following your designated payment date. This informs you that the payment request has been processed, but the payee may not have received it yet. To ensure payments are made in a timely fashion please allow 5 business days for electronic payments to be delivered and 7 to 10 business days for check payments. If you follow these guidelines and a payment is processed late you may be eligible for reimbursement of any late fees that you have been charged up to $50.00.

What happens if I issue a payment and my account does not have the funds to cover it?
The bank will follow standard procedures when a check is presented for payment against insufficient or uncollected funds. Current policy requires that the item be returned unpaid. The bill-payment service will automatically be frozen until the situation is resolved. The item will be submitted a second time. If the funds are still insufficient at the time the check is resubmitted the collection process will be initiated.

Can I schedule recurring payments?
Yes. This feature allows you the convenience of scheduling payments to be made on an ongoing basis. This feature is especially convenient for setting up payments that are for the same amount and made at regular frequencies like your mortgage (every month), water bill (every other month) or car insurance (twice a year).

You can schedule recurring payments to be made weekly, every other week, twice a month, monthly, every four weeks, every other month, quarterly, twice a year, and annually.

Can I place a stop payment on a bill that has already been sent?
No. Once the payment has been processed, we cannot place a stop payment. You can cancel a bill payment by deleting the payment from the Pending Payment screen up until 3:00 p.m. on the Business Day prior to the scheduled Transmit Date.

What are "pending payments?"
Pending payments are payments you have scheduled through the Online Bill Pay service, which have not yet been processed and sent to the payee.

What is the cut-off time to submit a bill payment?
The cut-off time for submitting payments is 3:00 p.m. on the Business Day prior to the scheduled Transmit Date. Payments submitted after 3:00 p.m. or on weekends or holidays will be processed as if they were submitted on the next Business Day. A Business Day is every calendar day except for Saturdays, Sundays and bank holidays.

What is the cut-off time to change or delete pending payments?
The cut-off time to change or delete a pending payment is 3:00 p.m. on the Business Day prior to the scheduled Transmit Date.

What are the advantages of using Online Bill Pay rather than automatic deductions for recurring bills?
Online Bill Pay provides customers with the same convenience as automatic deductions from your checking account, including the ability to set up and maintain automatic recurring monthly payments. The advantage of using Online Bill Pay over automatic deductions is that you have more flexibility and control over how much you want to pay and when you want the payment to be made.

How should I set up payments to Eureka Bank accounts?
Payments to Eureka Bank (for mortgages, home equity loans, etc.) should be made using the Eureka by Web transfer feature. The payment is made immediately and it does not cost you anything.

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

What is the maximum amount a payment can be?
The maximum amount of any one payment is the lesser of the current available deposit balance in your payment account or $9,999.99.

How many payments can I schedule in a single month?
You may schedule as many payments as you would like in a month.

Who do I call if I need help?
You can contact Electronic Banking Administration by telephone at 412-681-8400 or by e-mail at: info@eurekabancorp.com.

* Telephone and Internet connection charges are the responsibility of the customer.

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