Star One Credit Union
Account Access
Font SizesmallmediumlargePrint This Page

Bill Pay Service Important Points

Fees and Charges

  • $4 monthly fee can be reduced by $2 credits for each of any two of the following:
    • A Direct Deposit during the month
    • Online Statement (waive paper account statement and receive it in Online Banking)
    • Savings, checking, and loan balances exceed $5,000 on the date of fee processing
  • Insufficient Funds/Overdraft Fee: $13

Device Setup and Settings

In order to use Star One's Bill Pay, your PC/device should be set up to accept third-party cookies. You can locate your cookie settings in your respective browsers' tools or preferences areas. See this page for more detailed instructions relative to cookies.

 

 

View a Flash demo!!

View The CheckFree Flash Demo

 

SETTING UP AND CHANGING BILLER INFORMATION

You must set up your billers before you can make payments to them. You only need to set up each biller ONE TIME by clicking on the "Add a company or person to pay" button. Once your billers are in the system, they will show up on the left side of the "Payment Center" screen.

Some billers use a different address for these "non-coupon" payments - payments that you make through the Bill Pay system. We suggest you call your biller to confirm the correct payment address for "non-coupon" payments.

If you change biller information at any time, you will be prompted to confirm changes to any pending payments and/or recurring payments.

  For Bill Pay Set-up help, please visit our Contact Us page to schedule an appointment.

PAYMENT SCHEDULING

The earliest available pay date is displayed dynamically in the "Pay Date" field on the "Payment Center" page. Most payments require 4 business days from the current date. Some payments may be made on the same day, depending on the biller.

To determine the earliest payment date for each biller, click on the calendar icon in the "Pay Date" column on the "Pay Bills" screen. A dynamic calendar will display, highlighting the available payment dates in blue text.

When scheduling payments you must select a scheduled payment date that is no later than the actual due date reflected on your payee statement, unless the due date falls on a non-business day. If the actual due date falls on a non-business day, you must select a scheduled payment due date that is at least 1 business day before the actual due date. Scheduled payment dates should be prior to any late date or grace period.  Do not include grace periods in scheduling your bills.

Star One recommends that you schedule your payments several days in advance of the due date on your bill.

The maximum dollar amount you may pay using Bill Pay is $99,999.00.

HOW TO ASK A QUESTION ABOUT A PAYMENT

Click on the "Bill History" tab. If necessary, input your desired dates and click on the Refresh button. In the Action column, click on the "View Detail" link. Scroll below the payment information until you see, "If you have a question about this payment, you can send us a payment inquiry." Click on the payment inquiry link and complete the form. Be sure to click on the "Send Inquiry" button.

We respond to your questions within one business day. Click on the "Messages" link in the upper right hand corner of almost any page in Bill Pay to view your responses.

TYPES OF PAYMENTS AND HOW THEY CLEAR YOUR CHECKING ACCOUNT

Although most payments will be made electronically, a check may be issued in certain cases. As a result, any payment may be made in one of three ways:

  1. Electronically (ACH)
  2. Laser Check (drawn from the member's account)
  3. Corporate Check (check drawn from CheckFree's account after debiting member's account)

Electronic payments and Corporate Checks are to be posted to your account on the scheduled due date, normally between midnight and 5:00 am. Laser Checks will not post to your account until the check has been deposited by the payee and has cleared through Star One. You may view Laser Checks in Online Banking, however, you will not be able to view Corporate Checks.

To determine your payment type, click on the "Bill History" tab. It will display a table that shows your current payments. Click on "View Detail" of the chosen payment in the right hand column of the table. If your payment was made

  • electronically you will see something like, "Your payment from your *XXXXX account was sent to Anybank Credit Card on 09/27/2012. The funds were withdrawn from your account on 09/28/2012. Your payment of $60.00 was posted to your account on 09/29/2012.
  • by Laser Check you will see something like, "Check # 99XXX from your account *XXXX was mailed to Anybank Credit Card on XX/XX/2012. Funds for this payment will be withdrawn from your account when the biller cashes the check."
  • by Corporate Check you will see something like, "Check #XXXXXXXX from our account was mailed to Any Friend on 09/27/2012. Funds were withdrawn from your *XXXXX account on 09/30/2012."

Note: All Laser Checks have a 6 digit check number that begins with 99. Corporate Checks have 7 digit check numbers or larger.

ABOUT E-BILLS

You may set up E-bills with certain billers. If you set up an E-Bill in "Click and Pay" status, be sure to click on the Bill Due icon to pay your bill Bill Due. Otherwise your E-bill will appear as not paid, even though you have sent your biller the required funds.

OUR SERVICE GUARANTEE

Star One Credit Union cannot guarantee that payees will credit funds received on your scheduled payment date. For this reason, we recommend that you schedule your payments several days in advance of the due date on your bill. The Credit Union will bear responsibility for any late payment related charges up to $50.00 if a payment posts after its due date, as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling.

The Credit Union shall incur no liability if we are unable to complete any payments because:

  1. There are insufficient funds available in your checking account, or the transaction would exceed the limit of your overdraft coverage;
  2. The payment processing center is not working properly and you know or have been advised by the Credit Union about the malfunction before you execute the transaction;
  3. You have not provided the Credit Union with the correct Payment Account information;
  4. You scheduled a Prohibited Payment;
  5. Circumstances beyond control of the Credit Union.

Note: Your Bill Pay account may be frozen if you have insufficient funds in your checking account. You will receive a written and e-mail notice from CheckFree, our Bill Pay vendor. To discuss re-activation of your account, you must call CheckFree at (800) 848-1337.

Overdraft coverage will reduce the risk of failed transactions in Bill Pay.

PROHIBITED PAYMENTS

Payments to payees outside of the United States or its territories are prohibited.

WHO NOT TO PAY WITH BILL PAY

  • Star One Credit Union
    We do not recommend that you pay your Star One loans using Bill Pay. Current automatic debits and "5th of the month transfers" should not be changed (doing so may increase the Annual Percentage Rate paid on your loan). If you are currently making coupon payments and would like to change to automatic payments, please contact our loan department. You may also choose to make coupon related or real estate loan payments using our "Schedule Transfer" function in Online Banking.
  • The California DMV or any other government agencies
    We do not recommend that you use Bill Pay to make payments to the DMV or (any other government agencies). The DMV will not provide information to third parties (this includes Star One and CheckFree). These payments may be scheduled through the Service, however the Credit Union is not liable for any claims or damages resulting from your scheduling of these types of payments. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not of the Credit Union.
  • Tax or court ordered payments
    We do not recommend that you make tax payments or court ordered payments using Bill Pay. Tax payments and court ordered payments may be scheduled through the Service, however the Credit Union is not liable for any claims or damages resulting from your scheduling of these types of payments. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not of the Credit Union.
  • Any payee that requires proof of payment on a recurring basis
    Most payments are made electronically. As a result it is difficult to provide proof of payment for certain payees. In these cases it is best to write a personal check.

We recommend that you use Bill Pay to pay all other vendors. Our "Pay Anyone" model lets you make payments to anybody you choose. Electronic payments are normally made to those who can accept them, and checks are issued to those who cannot.

FAILED OR RETURNED TRANSACTIONS

If we are unable to complete the transaction for any reason associated with your payment account, the transaction will not be completed. You may receive a return notice from the Credit Union. In such case, you agree that:

  1. You will reimburse the Credit Union the transaction amount;
  2. You will reimburse the Credit Union for any fees imposed as a result of the return;
  3. You will reimburse the Credit Union for any fees it incurs in attempting to collect the amount of the return from you; and,
  4. The Credit Union is authorized to report the facts concerning the return to any credit reporting agency.

Note: Your Bill Pay account may be frozen if you have insufficient funds available in your checking account. You will receive a written and e-mail notice from CheckFree, our Bill Pay vendor. To discuss re-activation of your account, you must call CheckFree at (800) 848-1337.

Overdraft coverage will reduce the risk of failed transactions in Bill Pay.

SECURITY

Learn more about Star One's security measures and Privacy Policy.

BILLING

Bill Pay fees are charged in arrears and are normally posted between the 12th and the 15th of the month.  Insufficient funds/overdraft fees are in addition to the monthly fee.

TRANSACTION DESCRIPTIONS

  • Monthly Fee: "CHARGE BILL PAY MONTHLY FEE."
  • Direct Deposit Credit: "REFUND BILL PAY W/DIRECT DEPOSIT."
  • Online Statement Credit: "REFUND BILL PAY W/E-STMT ONLY." 
  • Relationship Pricing Credit: "REFUND BILL PAY W/RELATIONSHIP PRICING." 

You will receive a maximum of $4.00 in monthly credits.

The following is an overview of responsibility for paying the maximum $50 late fee or finance charge penalty, per our Service Guarantee:

Reason for Late Payment Responsibility for Paying Fees
Star One Member
Lost X  
Not sent as scheduled X  
Sent to wrong location X  
U.S. Mail delay X  
Undetermined X  
Posting delay by Payee X  
Scheduled incorrect number of days prior to Due Date (included grace period)   X
Scheduled incorrectly   X
Incorrect Payee information provided by member   X
Payment to Payee outside of the U.S.   X

View the Bill Payment Service Agreement as it appears when you register for the service.

Back To Top

 

Account Access
NCUAEqual Housing Lender
Privacy  |  Security  |  Rates  |  Disclosures  |  Calculators  |  Help  |  Site Map
© 2014 Star One Credit Union. All rights reserved.