Manage My Bills

What Can I Do? Change biller information Delete a biller Manage the electronic version of my bill Manage my automatic payments Manage my bill reminders

You can manage any of the bills you've added in Web Bill Pay, including the bills you receive electronically as well as those that you have set up to pay automatically. You can also manage reminders that help you keep track of bills that are due.

When you select a bill, you see a list of options that are available for managing it. These options vary based on your biller and the type of features you've already set up to pay your bill. When you select an option, Web Bill Pay displays the appropriate information so that you can make your changes or add new features.

Note: If you type a new e-mail address, you also change the address in your profile that we use to send you correspondence about your Web Bill Pay service.

 To go to the Manage My Bills page:

• Click Manage My Bills on any page.
  The Manage My Bills page opens.

Changing Your Biller Information

Web Bill Pay determines the information that you can change for your biller (the company or person you want to pay) based on the type of bill you select.

For your convenience, we maintain the addresses for some of the billers on our list. The biller notifies us of any changes, and we automatically apply these changes to your account information.

If you receive an electronic version of your bill through Web Bill Pay, you cannot change your account number or the biller's address. To change your account number, you must delete the biller and add the bill again.

 To change your biller information:

1. In Biller Name, select the bill you want to change.
2. In the What would you like to do? section, click Update biller information.
   The biller information appears on the right side of the page.
3. Type the changes you want to make.
   Note: If you've changed your user name and password at the biller's Web site, you need to update the information in Web Bill Pay.
4. Click Save Changes.
   The biller information is changed, and the page clears so that you can select another bill.

Deleting a Biller

When you delete a biller, you cancel any pending payments for the biller, including any payments that are scheduled automatically. You may want to review your pending payments list on the Payment Center before you delete a biller.

If you delete a biller that sends you an electronic version of your bill through Web Bill Pay:

• You cannot pay any unpaid electronic bills you've received from the biller.
• You start receiving your bills directly from the biller. Depending on the billing cycle for your account, it may take a month or two to stop receiving electronic bills through Web Bill Pay. If you do receive an electronic bill from a biller you've deleted, you can add the bill again and pay it on the Payment Center. You can also pay the bill by some other means, such as by check.

 To delete your biller:

1. In Biller Name, select the biller you want to delete.
2. In the What would you like to do? section, click Delete this biller.
   A confirmation message appears.
3. Click OK to delete the biller and cancel any pending payments listed in the message.
   The biller is removed from your bills list.

Managing the Electronic Version of Your Bill

The following options may be available when the biller can send an electronic version of your bill.

Adding an Electronic Version of Your Bill

You can receive some of your bills electronically through Web Bill Pay. We have established relationships with hundreds of billers nationwide that can send you an electronic version of your bill through Web Bill Pay. These electronic bills typically contain the same information included in the printed bills that are mailed to you.

When you receive electronic bills, you can view and pay them in Web Bill Pay. Your biller may also offer the following features as part of your electronic billing service:

• Receive your electronic bill through e-mail.
• Pay your electronic bills automatically.
• Allow you to have a different address, known as your service address, where you receive your services.

Some billers require your e-mail address when you add an electronic version of your bill. For other billers, this information is optional. However, a biller may use your e-mail address to contact you if there is a question about your payment.

 To add an electronic version of your bill:

1. In Biller Name, select the bill you want to receive electronically through Web Bill Pay.
2. In the What would you like to do? section, click Add an electronic version of my bill.
   The electronic bill options appear on the right side of the page. The options vary based on how we receive bills from the biller.
3. Type the information required by the biller.
   Some billers may require information such as your Social Security number to verify your identity. The biller may also require you to enter your account number again. Other billers may require the information you use to access your account at the biller's Web site, such as a user ID, account number, or password.
   Tip: If you must re-enter your account number, be sure to enter it exactly as described on this page. The biller may require additional information to activate electronic bills for your account.
4. Select one of the following options for receiving e-mails:
   • If the biller can send electronic bills through e-mail, you can select Always e-mail my bill to me.
   • If you only want notification of your first electronic bill, select Only e-mail me to notify me when my first bill arrives.
   • If you don't want any e-mail notifications for your electronic bills, select No, thanks.
5. Review your e-mail address and type a new one, if necessary.
6. If the biller does not require your e-mail address, you can select either Yes or No.
7. If your service address information appears on this page, verify that it matches the address where the biller provides your service. Make any changes to the address to match your billing records.
8. If the biller's Terms & Conditions appear on this page, review the information and select the box to indicate that you've read and agree to it.
9. Click Save Changes.
   A message informs you that your request to add an electronic version of your bill has been sent to the biller for approval. The rest of the page clears so that you can select another bill.

Look for a message in your Messages - Inbox that lets you know when the biller has activated your electronic billing service. It may take a month or more to receive your first electronic bill, depending on your billing cycle.

When you start receiving electronic versions of your bill, you'll see an electronic bill icon next to the biller name in the Pay Bills section of the Payment Center. You can click the electronic bill icon to view and pay your bill.

You'll also see the bills listed in the Bill Reminders section of the Payment Center. A bill appears in the reminders list as soon as Web Bill Pay receives it from your biller. The reminders list shows the amount due and due date from your bill.

Stopping an Electronic Version of Your Bill

You can stop receiving your electronic bills through Web Bill Pay anytime after the biller processes your request for them. If you stop receiving electronic bills, you also stop any automatic payments that you set up to pay them.

When you stop receiving your electronic bills through Web Bill Pay, you'll be receiving them directly from your biller again. It can take an entire billing cycle to receive bills directly from your biller. You can still pay your bills using Web Bill Pay, but you won't be able to view your bills online from the Payment Center.

 To stop an electronic version of your bill:

1. In Biller Name, select the bill you want to stop receiving electronically through Web Bill Pay.
2. In the What would you like to do? section, click Stop an electronic version of my bill.
   A confirmation message appears.
3. Click OK.
   We send your request to stop an electronic version of your bill to the biller. The page clears so that you can select another bill.

Adding E-mail Notification of an Electronic Bill

Some billers that send us an electronic version of your bill can also notify you of the bill through e-mail.

When you select the option to receive an electronic bill notification, you receive an e-mail message that contains the bill information and a View/Pay button. After you click the button, you must sign in to Web Bill Pay to go to the Payment Center and pay your bill.

Some billers require your e-mail address when you add e-mail notification. For other billers, this information is optional. However, a biller may use your e-mail address to contact you if there is a question about your payment.

 To add e-mail notification of an electronic bill:

1. In Biller Name, select the bill for which you want to receive e-mail notification.
2. In the What would you like to do? section, click Add e-mail notification of electronic bill.
   The e-mail notification options appear on the right side of the page.
3. Select the option that you want. Review your e-mail address and type a new one if necessary.
4. If the biller does not require your e-mail address, you can select either Yes or No.
5. Click Save Changes.
   The page clears so that you can select another bill.

Changing E-mail Notification Options for an Electronic Bill

After you start receiving electronic bill notifications in an e-mail, you may want to change your notification options. For example, you may need to change your e-mail address or decide to stop receiving the notifications through e-mail.

 To change your e-mail notification options for an electronic bill:

1. In Biller Name, select the bill you want to change.
2. In the What would you like to do? section, click Update e-mail notification of electronic bill.
   The e-mail notification options appear on the right side of the page.
3. Enter the appropriate changes.
   To stop receiving your electronic bills in an e-mail, select No in response to the question.
4. Click Save Changes.
   The page clears so that you can select another bill.

Managing Your Automatic Payments

The following options are available if you want to automatically schedule payments for your bills.

Adding an Automatic Payment

You can add an automatic payment for any bill that you pay.

If you receive an electronic version of your bill through Web Bill Pay, your biller may let you pay it automatically. You can select the amount and date options according to your needs.

Tip: Some billers, such as credit card companies, send a minimum amount due for your bill, which may be different from the account balance. You may need to make additional payments to pay the account balance.

You can also automatically schedule payments of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage or rent. This type of automatic payment is always available to you, regardless of whether you receive electronic bills from the biller.

 To select a bill to pay automatically:

1. In Biller Name, select the bill you want to pay automatically.
2. In the What would you like to do? section, click Add an automatic payment.
   The automatic payment options appear on the right side of the page. The options vary based on whether you are receiving an electronic bill through Web Bill Pay and the biller lets you set up options to pay it automatically.

 To add an automatic payment for an electronic bill:

1. In Pay From, select the account you want to pay your bills from.
   Note:  You must select a confirmed account to make automatic payments.
2. Select one of the following options:
   • Click Always pay the amount due on the bill to automatically pay the bill for the amount due.
   • Click Only pay bill if the bill amount is less than or equal to to set a maximum limit on the amount that is automatically paid. Type a maximum amount in the box.
3. Select one of the following options:
   • Click Schedule the payment to be delivered on the bill's due date to have the payment delivered to the biller on the due date.
   • Click Schedule the payment for the earliest available date after the bill is received to send the payment to the biller as soon as it is delivered to you.
     Note: The second option may not be available for your bill. In that case, the first option is automatically selected.
4. If you'd like to receive e-mail about your automatic payments, review your e-mail address (typing a new one, if necessary) and select when you want to receive the e-mails.
5. Click Save Changes.
   Your payment is set up. The page clears so that you can select another bill.

Note: If you select the option I want to control the date and amount of my automatic payment, the options change to the ones described in the next procedure.

 To add an automatic payment schedule:

1. In Pay From, select the account you want to pay your bills from.
   Note:  You must select a confirmed account to make automatic payments.
2. In Payment Amount, type the amount of the regular payments.
3. Select one of the following options:
   • Click All payments are the same amount if the amount of the final payment is the same as all other payments.
   • Click The amount of the last payment should be if the amount of the final payment is different from the regular payment amount. Type the amount of the final payment.
4. In Send First Payment On, type the date when you want the biller to receive the first payment. Keep in mind that the payment starts processing before this date.
   
   Tip: Click the calendar icon to help you determine the date for sending the first payment. The date must be a business day.
5. In Payment Frequency, select the frequency for paying the bills.
   

   Frequency	Definition
   Every Week	Every week on (or near) the same day of the week you scheduled for the first payment.
   Every 2 weeks	Every other week on (or near) the same day of the week you scheduled for the first payment.
   Every 4 weeks	Every 28 days from the previous payment date, starting with the first payment date.
   Twice a Month	Every month on (or near) the same date you scheduled for the first payment. The second payment will be made 15 days after the first payment date.
   Monthly	Every month on (or near) the same date you scheduled for the first payment.
   Every 2 Months	Every other month on (or near) the same date you scheduled for the first payment.
   Every 3 Months	Every three months on (or near) the same date you scheduled for the first payment.
   Every 6 Months	Every six months on (or near) the same date you scheduled for the first payment.
   Annually	Every 12 months on (or near) the same date you scheduled for the first payment.

   
   Note: The dates may be adjusted to ensure that payments are sent on a business day within the selected time period. The dates are always rolled back to the previous business day. For example, if you select a Monthly frequency and schedule the first payment on 10/31/2005, Web Bill Pay sends the next five payments on these dates: 11/30/2005, 12/30/2005, 1/31/2006, 2/28/2006, and 3/31/2006.
6. Select one of the following options:
   • Click I change or cancel this payment to automatically schedule the payment indefinitely until you change it or cancel it.
   • Click A total of x payments are sent to automatically schedule a specified number of payments. Type the number of payments in the box.
   • Click But not after to automatically schedule the payment until the specified date. Type the date in the box.
     Tip: Click the calendar icon to help you determine the cutoff date for sending payments.
     Note: If you choose Twice a Month for the frequency, the cutoff date may be adjusted to allow payments to be sent within that frequency.
7. If you'd like to receive e-mail about your automatic payments, review your e-mail address (typing a new one, if necessary) and select when you want to receive the e-mails.
8. Click Save Changes.
   Your payment is set up. The page clears so that you can select another bill.

Tip: If the amount due for your bill varies, you can set up bill reminders to alert you to pay your bill. The bill appears in the Bill Reminders section of the Payment Center for a certain number of days before the due date. You can refer to the reminders to ensure that you're sending the payments on time.

Updating an Automatic Payment

You can change the options for any bill that you pay automatically. The changes affect all current and future payments for the bill that are scheduled automatically.

Note: If you want to change just one scheduled payment, you must cancel it. You can cancel a payment on either the Payment Center or the Bill Detail page. After you cancel the payment, you can go to the Payment Center and pay the bill again.

 To update an automatic payment:

1. In Biller Name, select the bill you want to update.
2. In the What would you like to do? section, click Update automatic payment for the automatic payment you want to change.
   Your automatic payment options appear on the right side of the page.
3. Enter the appropriate changes to your payment options.
4. Click Save Changes.
   A confirmation message appears.
5. Click OK to change the automatic payment.
   Your automatic payment options are changed. The page clears so that you can select another bill.

Tip: If you want to change a payment that has been scheduled automatically, consider setting up bill reminders instead of an automatic payment schedule. The bill appears in the Bill Reminders section of the Payment Center for a certain number of days before the due date. You can refer to the reminders bills to ensure that you're sending the payments on time. Automatic payment schedules work well for bills that are a set amount paid at regular intervals, such as your mortgage, rent, or car loan.

Deleting an Automatic Payment

You can cancel payments that are scheduled automatically by deleting an automatic payment.

 To delete an automatic payment:

1. In Biller Name, select the bill you want to change.
2. In the What would you like to do? section, click Delete automatic payment for the automatic payment you want to delete.
   A confirmation message appears.
3. Click OK to delete the automatic payment and cancel any scheduled payments listed in the message.
   Your automatic payment is deleted. The page clears so that you can select another bill.

Managing Your Bill Reminders

The following options are available if you want to receive bill reminders.

Setting Up Bill Reminders

Bill reminders are a helpful way to manage your bills. You can set up typical due dates and amounts for your bills and request reminders to notify you when your payments are due. You can also set up reminders for when your payments have been sent and when bills are past due. Bill reminders are available as online notifications that appear in the Bill Reminders section of the Payment Center and as e-mail reminders.

Note: You don't need to set up online reminders for a bill if you:

• Receive an electronic version of a bill. Your reminders appear automatically in the Bill Reminders section of the Payment Center as soon as we receive it from your biller. The amount due and due date that appear in the reminders list come directly from your bill.
• Have set up automatic payments for a bill. Those payments appear automatically in the Pending Payments section of the Payment Center.

Some e-mail reminders contain links that you can click to view and pay a bill. You can select which bill-related events you want to receive e-mail reminders for. Reminders can be associated with any of your bills, including electronic bills and automatic payments.

 To set up a bill reminder:

1. In Biller Name, select the bill you want to set up reminders for.
2. In the What would you like to do? section, click Set up reminders for this bill.
   The bill reminder options appear on the right side of the page.
3. In Typical Due Date, type a typical date when this bill is due.
   Tip: Click the calendar icon to help you determine the date.
4. In Bill Received, select how frequently you receive this bill.
5. In Typical Amount Due, type the amount of a typical payment for this bill.
6. In How far in advance of the due date you want to be reminded of this bill, select when you want to be reminded of this bill.
7. If you'd like to receive e-mail reminders, review your e-mail address (typing a new one, if necessary) and select when you want to receive the e-mails.
8. Click Save Changes.
   Your reminders for this bill are set. The page clears so that you can select another bill.

After you've set up your bill reminders, you can see the bills listed in the Bill Reminders section of the Payment Center (and will receive e-mail reminders if you've set those up).

Changing Bill Reminders

You can change the reminder options you've set up for a bill. Any changes affect future reminders for that bill.

 To change a bill reminder:

1. In Biller Name, select the bill you want to change reminders for.
2. In the What would you like to do? section, click Change reminders for this bill.
   Your bill reminder options appear on the right side of the page.
3. Enter the appropriate changes to your bill reminder options.
4. Click Save Changes.
   Your reminder options are changed for the bill. The page clears so that you can select another bill.

Note: If you change reminder options for a bill with an online notification appearing in the Bill Reminders section of the Payment Center, that notification may be removed until the new reminder options take effect. E-mail reminders may also be sent again.

Stopping Bill Reminders

You can stop getting reminders you've set up for a bill. When you stop reminders for that bill, your bill no longer appears in the Bill Reminders section of the Payment Center and you stop receiving any e-mail notifications you've set up.

 To stop a bill reminder:

1. In Biller Name, select the bill you want to stop receiving reminders for.
2. In the What would you like to do? section, click Stop reminders for this bill.
   A confirmation message appears.
3. Click OK to stop getting reminders for the bill.
   Reminders are stopped for the bill. The page clears so that you can select another bill.