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Cecil Bank EZ Pay Bill Payment

Cecil Bank EZ Pay Bill Payment Is Here.
Bill Payment Is Available NOW!!!.
SIGN UP TODAY!!!

Please click HERE to see a quick flash demo on our EZ Pay
Bill Payment which explains the basics of the product. You
will need to have speakers on your computer to hear the
demo. Then close your browser window to return here.


Please click HERE to see a demo of the EZ Pay
Bill Payment website which shows you the look of bill pay.
Just click on the links to see how bill payment functions.
Then close your browser window to return here.

For an written explanation of the product, please click HERE to review the
Terms and Conditions. If you have any questions, please do not hesitate
to call Denise at 410-398-2966 or Christy at 410-392-8312.
Then close your browser window to return here.


Top 6 Questions Customers Ask About Bill Pay

How do I log in to EZ Pay Bill Payment for the first time?

To access EZ Pay Bill Payment, you will have to be an Online Banking customer. If you are not an Online Banking customer, you will need to click the Online Banking Sign Up link at the top of this page and complete the Online Banking application to sign up. To sign up, you would complete the online application, print the application, and bring the application to the closest Cecil Bank office for processing. Once your application is processed, you will receive an email stating how to log in to Online Banking. If you are not able to print out the application from home, you can just come to any Cecil Bank office and apply for Online Banking at the branch. The branch will prepare the necessary documents. Once you are an Online Banking customer, you will be able to click on the Bill Pay tab and enroll. It is a simple process if you are already an Online Banking customer.

How do I update a payee's account number?

To update a payee's account number, deactivate the payee and then re-add the payee with the correct payee account number.

How do I update a payee's remittance address?

To update a payee's address, deactivate the payee and then re-add the payee with the correct payee remittance address.

Who has access to my bill pay and checking account?

You are the only person who can authorize payments to be issued against your account. Our representatives only access your account information on a need-to-know basis, and only with your approval.

What security features do you use?

Our service is highly secure, designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption.

Who authorizes payments?

Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you.



Bill Payment Questions

How do I make a payment to any payee?

Our streamlined, make-payment process is quick and easy. Page 1 lists all of your payees. You just enter the amount you want to pay to each payee and when you want your payment to be sent and click Make payments. We also list for each payee the amount and date of your last payment. Page 2 is a confirmation list of the payees you've paid, including a summary of your payment details.

Who authorizes payments?

Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you. Please note that your payment for our service will be conveniently debited from your primary funding account each month.

Can you pay my bills automatically?

Yes. There are two ways that you can schedule payments automatically: Automatic Payments and Recurring Payments. Each is used in different circumstances. Automatic payments typically are used in situations where you are receiving your bill electronically in your Bill Inbox. Recurring payments typically work well with fixed payment plans like car loans or mortgages where you are not receiving a bill online.

If you would like us to automatically pay a bill that arrives in your Bill Inbox, you may establish automatic payment rules. The automatic payment rule instructs us to issue a payment every month for a specific payee without requiring your approval each time. You can pay the full bill, pay the minimum due, or pay a fixed amount that you are comfortable paying each month.

For example, you could tell us to pay your credit card bill automatically in three different ways:

Pay the entire bill if it is $200 or less. You are contacted for approval if it is more than $200.

Pay the minimum amount due every month. Pay $100 every month.

If you regularly make a payment for a fixed amount without receiving a bill, you can establish a recurring payment rule to make this payment automatically. For example, your mortgage company may have provided you with a coupon book instead of billing you monthly. You can tell us to issue this payment to your mortgage company each month.

You can receive an e-mail notification when an automatic or recurring bill is about to be paid. To cancel payment on any of these bills, click the Cancel link in the Payment Outbox.

Can I use my regular checkbook?

Yes. We do not replace your checkbook. You can continue to write paper checks as you normally would.

How will I know when a payment has been sent?

To verify that a payment has been sent, from your navigation links, click View a Report. The View Reports page appears. From the Report title listbox, select the appropriate report and click Generate report. You can also create a new report or edit an existing report.

Do I have to pay the entire bill amount?

No. You decide the amount you want to pay towards each bill. As an added feature, you can use the Personal Notes tool to attach reminders to your bill indicating the reason the entire amount was not paid (dispute with the payee, etc.).

How are payments issued?

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

Where do you send my payment?

We send your payment to the address you provided to us for each of your payees except for cases where we have a special relationship with a payee, and they have a preferred address to which they want payments to be sent.

When are checks issued to my payees?

Some payees do not currently accept electronic payments. Therefore, we recommend that you set the send on date at least 5 business days in advance of your bill due date. We issue paper checks daily Monday through Friday.

When are electronic funds transfers sent to my payees?

For payees who can accept Electronic Funds Transfers (EFT), we recommend that you set the send on date at least 3 business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 3:00 PM CT on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 3:00 PM CT. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.

How do I cancel a payment?

To cancel a payment, click on the Cancel link in your Payment Outbox. You can choose to cancel a payment up until the time the payment is processed.

When will an authorized payment be debited from my account?

While the exact time of the debit may vary due to when the payment is scheduled, please make sure that you have adequate funds in your account to cover those payments. This will ensure that your payment is processed properly and not subject to insufficient fund fees.

Are there any payments I can't issue?

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances.

We will not notify you if you attempt to make any of these payments and we will not be liable if we do not make a prohibited or discouraged payment that you've scheduled.

What happens if I do not have enough money in my checking account to cover a bill?

We issue standard, approved payments against your checking account. Just as with a paper check, you have to maintain sufficient funds in the account to cover all payment obligations.

Can I pay all of the bills in my Bill Inbox at one time?

Yes. You can pay multiple bills simultaneously from your Bill Inbox using the Select all link. When you click Select all, the boxes next to each bill will be checked. Just enter the amount you want to pay and when you click Continue payment your payments will appear in the Payment Outbox, just as if you'd entered them one at a time.

What happens if a bill is paid late?

We issue payments automatically on the exact date that you specify. It is important to realize that not all payees accept electronic payments. In such cases, we will issue a paper check and you should select a send on date that is at least 5 business days before a bill due date. This will allow a paper check issued on your behalf to arrive at your payee on time. For payees that accept Electronic Funds Transfers, you should schedule the payment 3 business days in advance of the due date. However, you should be sure that your checking account is funded on the day you issue payment, as some EFT payments are posted to your payee's account on the same day.

What is a filed bill?

A bill that you do not want to pay using this website, but want to save for your records. For example, a bill with a zero balance or a bill that no longer needs to be paid. Once you file a bill, it is permanently removed from your Bill Inbox and cannot be paid.

Can I automatically file a bill without paying it?

Yes, just click the "Don't pay this bill - I want this bill to be filed upon receipt" option on the Change Payment Options page and click "Save Payment Options."

What options do I have for scheduling recurring payments?

You have the following options:

Weekly

Every other week. (Your payments will always be 14 days apart.)

Twice a month (Your first payment will be the same day every month, with the second payment 15 days later.)

Monthly (This is the default and most used option.)

Every 2 months (These payments will be every other month on the date you indicate.)

Every 3 months (These payments will be every 3rd month on the date you indicate.)

Every 6 months (These payments will be every 6th month on the date you indicate.)


Once you enroll for EZ Pay Bill Payment, you will have the opportunity to use the help feature to see several frequently asked questions on all types of topics related to bill payment or if you have any questions, please do not hesitate to call Denise at 410-398-2966 or Christy at 410-392-8312.