Q. How secure is Bill Pay?

A. Security begins with your browser session. To ensure the secuirity of your transactions, we only accept logins originating from a browser that supports the highest level of encryption (128-bit). Encryption prevents transactions from being read by unauthorized parties over the Internet. We recommend that you use one of the following browsers for this service:

Windows

• Microsoft Internet Explorer 5.0+

• Firefox 1.0+

• Netscape 7.0+

• AOL 8.0+

• Opera 8.0+

Macintosh

• Safari

• Firefox 1.0+

• Opera 8.0+

Q. Why do you need my email address?

A. Your email address is required for using our Bill Pay Service as well as important information from Bay Federal Credit Union, including password reminders. Rest assured, your email address will be used only to help us serve you, and will never be shared with third parties without your consent.

Q. What if I need help setting up my bills in Bill Pay?

A. You can access the “Help” feature from within BayFedOnline’s Bill Payment module, which is located on the upper right corner of the Bill Pay Home Page. This “Help” feature is available 24 hours a day. Of course, you are always welcome to call on us to help you. Our Member Service Representatives may be reached at 831.479.6000 or 888.4BAYFED during regular business hours.

Q. Who can I pay with BayFedOnline Bill Pay?

A. You can pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.

Q. What is a “payee”?

A. A “Payee” is someone to whom you wish to send a payment.

Q. Can I pay bills from an account other than my checking account?

A. Only one checking account can be used for the Bill Payment service.

Q. Can I send a check to myself?

A. Yes! Simply enter yourself as a payee.

Q. How can I find out if a payment had been processed?

A. You can see the charge to account in the “Account Transaction” information. The transaction description is the following: Point of Sale Withdrawal, followed by the short name chosen for the merchant, and always with a city and state of Chantilly VA US. You can also see history on the “Activity” tab of Bill Pay module.

Q. I made a payment and the money was immediately withdrawn from my account. Several days passed before my payee received my payment. Why?

A. Some payees are set up to receive funds in an expedited manner by electronic means. Electronic merchants will receive the funds in 2 days. Those merchants not set up to receive funds through electronic means will be mailed a check. Most often these are received by merchants in 5 days, through the mail.

Q. I need to edit a payees’ mailing address. How do I do this?

A. Select the “Payments Tab” and go to your “ Payment Center”. This will provide you with a list of your Payees. Select the name of the Payee you wish to edit. This will take you to the “Payee Detail” screen, in which you may update the address on file.

For those merchants who receive their funds via electronic means, our staff can update the contact information for you. You may call us at 831.479.6000 or toll-free at 888.4BAYFED.

Q. What is MoneyHQ?

A. Money HQ provides you with the ability to consolidate your online financial account information into one site and to move money between accounts and individuals. The consolidation of information is sometimes referred to as account aggregation.

The gathering of information is accomplished by a very simple process. On your behalf, we log into your online financial account, using the credentials you provided during the setup of the account. We then parse the web site to retrieve your account data. Once we've gathered this information, it will appear within our site on your accounts page. When you would like to move money between your accounts we will perform a debit against (remove funds from) the account you specified and then credit (deposit into) the other account. We utilize a variety of electronic funds transfer networks such as the Automated Teller Machine (ATM) network and the Automated Clearing House (ACH) to facilitate the movement of your money.

Q. Is there a fee for using MoneyHQ?

A. There are no monthly service fees for the use of the Money HQ Service. For each additional standard transfer, you will be assessed a fee of $1.50. For each next day transfer, you will be assessed an additional fee of $8.95 at time of transaction.

Q. I need help setting up MoneyHQ.

A. The BayFedOnline Bill Pay program has a wonderful online demonstration. This demonstration of MoneyHQ is located under the "MoneyHQ” tab within the Bill Pay module. There is also a “MoneyHQ Help” link in this same location. Both of these resources provide instant answers to your questions, 24 hours a day, 7 days a week. Of course, you are always welcome to call on us to help you. Our Member Service Representatives may be reached at 831.479.6000 or 888.4BAYFED during regular business hours.

Q. Are you going to add to the list of frequently added payees? For example, Pacific Gas & Electric Company or Comcast?

A. This list is established by our Bill Pay system provider, and is updated on a regular basis.

Q. What is Payee nickname used for? It is used on the payment list; will it appear on the check?

A. The “Payee Nickname” is helpful for determining separate accounts for the same business. The “Payee Nickname” will not show on the checks sent to the merchant; however, this payee nickname will be listed as the transaction description.

Q. Does the comments field appear on the check that is sent?

A. The comments field does not appear on the check. This is intended only to allow you to note additional information on transactions for your own personal record keeping.