Billpay FAQs

How do I know if I am eligible for Billpay?
If you have an existing Business Checking, NOW Checking or Free Checking Account with Maple City Savings Bank, you are eligible to enroll in billpay.

How do I subscribe to Billpay?
First you must subscribe to I-Bank. Once you have received your login information for I-Bank and login for the first time, you subscribe for billpay by clicking on the Billpay Enrollment button in your I-Bank Internet Banking application. If you are an existing I-Bank customer, you will need to contact Maple City Savings and ask to have the service turned on. Once the service has been turned on for your I-Bank account, the Billpay Enrollment button will appear inside your I-Bank application. Once you have enrolled, you will receive an enrollment notice via your email address that you provide during the enrollment process.

Is there a Demo of the Billpay Products?
Yes, you can access our demo for I-Bank Billpay and I-Bank Billpay Plus by visiting our Learn About Billpay link.

Are there any fees for Billpay?
We offer two billpay products; I-Bank Billpay and I-Bank Billpay Plus. I-Bank Billpay is a free service with limited transactions. First 15 transactions are free. Your account will be debited .50 for each transaction over 15 per month*. I-Bank Billpay Plus costs a low monthly fee of $2.00 per month, but you'll gain access to many additional features and unlimited transactions.

*Your monthly cycle for charges runs from the day you subscribed (e.g. If you subscribe on the 8th of the month, your cycle will run from the 8th to the 8th).

How quickly are billpay transactions debited from my account?
All transactions will be debited from your account after 3:00 PM Eastern Time on the day you have scheduled the payment for.

How quickly will my payments reach my payees?
While it is anticipated that most transactions will be delivered by the Estimated Delivery Date, it is understood that due to circumstances beyond our control, particularly delays in handling and posting payments by slow responding Payees or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to the Payee account. The Estimated Delivery Date we provide must be the bill's actual due date or earlier, not the late date and/or a date in the grace period. Payment scheduled after the Cutoff Time or on non-Business Days will be considered entered in the Bill Payment Service on the next Business Day.

All reasonable efforts to deliver all payments will be made in accordance with your Payment Instructions. However, we shall incur no liability because of the existence of any one or more of the following circumstances:

1. If, through no fault of ours, any designated Pay From Account does not contain sufficient funds to complete the transaction and is cancelled by us.
2. The Bill Payment Service or Online Banking is not working properly and you know or have been advised by us through the communication method of our choosing about the problem before the subscriber executes the transaction;
3. The Payee mishandles or delays processing a payment sent by us;
4. You have not provided us with the correct name, address, phone number, or account information for the Payee, or you have not provided us with accurate personal information, or you have otherwise provided incomplete Payment Instructions.
5. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.

You may cancel payments prior to 3:00 PM on business days. There is no charge for canceling a payment.

Do I need any special hardware or software?
The minimum requirements to use Billpay are the same as the minimum requirements for I-Bank; an Internet connection with a 128-bit encryption browser configured to accept cookies. The recommended browser is Microsoft Internet Explorer 6.0 or higher.

How do I check my browser version and encryption level?
In your browser, you will need to go to your menu option HELP. Select ABOUT from the drop-down list. The next screen to appear will detail both your current browser version and encryption level.

What if my browser does not have 128-bit encryption?
If your browser does not have this encryption and you have the proper browser version, you can find information on how to upgrade your browser at www.microsoft.com.

Why do I need 128-bit encryption?
This is the safest level of encryption available on the Internet today. It allows Billpay to transfer account information on a secured level.

Is accessing Billpay private and secure?
Yes. Our billpay provider uses a system of firewalls that serve as an immune system to protect your information from unauthorized intruders. The system continuously monitors for any indications of a breach. Additionally, we use and require you to use a browser that supports 128-bit encryption. Also, we use an automatic "time out" system that will automatically log you off if, after 20 minutes of inactivity, you have not logged yourself off.

Commonly Used Terminology
ACH	Automated Clearing House - A wholesale payment network for interbank clearing and payment settlement.
Activation Code	A four digit all numeric code, delivered to subscriber by method of their choice, allowing the subscriber to verify the payee which in turn makes the payee eligible to receive payments.
Agent/Channel	Is the online banking provider for the institution.
Bill Payment Administrator	The person or persons at the financial institution responsible for management of bill pay account relations.
Challenge Phrases	A security feature that provides a means of additional authentication of a user's identity by prompting a question which only the user would know the appropriate response.
Cookies/Session Cookies	Bits of electronic information that pass from one computer to another. Our bill pay site only requires session cookies which are non-information gathering cookies and are not stored on the subscriber's computers.
e-Notifications	e-Notifications are customized communications where the subscriber is notified when a predetermined action occurs.
End of Day	End of Day is the time that institution's payments are processed each business day. End of Day processing occurs for Maple City Savings Bank at 3:00 PM Eastern Time.
Estimated Arrival Date	This is the estimated date we expect the payment to be received by the payee. You should allow 7 to 10 business days for payments that will go by check and three days for electronic payments.
Exception Cutoff Time	The latest time that an exception (cancellation) can be submitted for payments to not pay out on that business day. Exception Cutoff Time for Maple City Savings Bank is 12:30 PM Eastern Time.
Fax Proof of Payment	A Fax Proof of Payment is a statement sent on the subscriber's behalf with either a copy of the cancelled check or electronic remittance information showing that the remittance has been received by the payee to assist in resolution of a payment issue. To request a FPOP, subscribers must contact support at 866-325-2593.
Link/Hyperlink	A word, symbol, image, or other element in a document that links to another element in the same document or in another document.
Letter of Intent	A Letter of Intent is a statement sent on the subscriber's behalf advising their payee that a payment has been sent.
Message Center	A means of secure written communication with the subscriber where important notices, broadcast messages, and replies to inquiries are housed for easy access by the subscriber in their bill pay site.
Pay From Accounts	Are accounts that the bill pay user can choose to have funds debited from for the payment of a bill pay transaction. These accounts must be at our institution. You must be a Billpay Plus subscriber in order to pay from more than your primary account.
Payee	A business or individual to whom money is being paid or is due.
Payment Cutoff Time	The latest time that a payment can be scheduled on a given business day to still process on that business day. Cutoff for our institution is 3:00 PM Eastern Time.
Pop-ups	Because of the nature of the way our various screens appear and function we need to have pop-ups allowed.
Process Date	The date the funds for the payment are withdrawn from your account.
Recurring Payment	Recurring Payments are a series of payments sent to the same payee, on a set frequency (e.g. monthly), for the same amount on each payment. Some typical recurring payments are mortgage or loan payments.
Routing Number (ABA Number)	A routing number or ABA Number is used to identify the institution. The Routing Number is usually the first nine digits at the bottom left of your paper checks.
Scripting	The bill pay site uses JavaScript, which is a programming language most often used for client side web development. It typically relies on a run-time environment (e.g. in a web browser) to provide objects and methods by which scripts ca interact with "the outside world". You must allow scripting to use our Billpay products.
Secondary User	A Secondary user is either a joint account holder or another authorized user approved by the institution to have access to the bill pay account along with the primary account holder.
Security Key	The security key is designed as a phishing deterrent by providing the subscriber with a means of knowing they are on their bill pay site.
Single Payment	A one time payment.
Subscriber	A customer of a financial institution that has signed up to the bill pay service.
Trusted Site	Content located on Web sites that are considered more reputable or trustworthy than other sites on the Internet. Users can use this zone to assign a higher trust level to these sites to minimize the number of authentication requests. This feature lets you decide which web sites, if any, are allowed to run scripts, install browser plug-ins, or work with web forms on your computer.
URL (Universal Resource Locator)	An address identifying the location of a file on the Internet, consisting of the protocol, the computer on which the file is located, and the file's location on that computer.