Bill Pay

Free Bill Pay Service

Our Bill Pay Service is available by clicking/tapping on the Bill Pay link in Online Banking and completing a few simple setup steps.

Frequently Asked Questions

How do I start using Bill Pay?
  1. Log into Online Banking, click/tap Bill Pay in the left hand navigation or under Quick Links in the right hand navigation, select your Checking Account (S0004).
  2. Read the Bill Pay Agreement and Disclosure.
  3. Check the Yes box.
  4. Click/tap Go.
  5. You will be presented with a Welcome to Bill Pay screen.
  6. Follow the Get Started instructions to add a payee.
How do I add new payees?

Log into Online Banking. Click/tap Bill Pay, click +Add a Payee button above the Payments chart toward the top left.

You may choose:

  • Pay a company – To add a company (PECO, Comcast, etc.), check Pay a company, click/tap Next.
    • Complete all required information (Payee name, account number, verify account number, phone number and zip code), click/tap Next
    • You may receive a message Need more information about this company. Enter the Address of the company, click/tap Next.
    • You will now see the new Payee as the first listing in your Payments chart.
  • Pay an individual – To add an individual (your Mom, your lawn care worker, etc.) check the box Pay an individual, click/tap Next.
    • You will see the Help Me Choose screen
      Choose one of the following:
      – I have their bank account information (Electronic)
      – Mail a Check
    • If you select the bank account, you will be asked to complete all required information (Payee name, account number, verify account number, phone number and zip code), click/tap Next.
    • If you select Mail a Check, you will be asked to complete all the required information (Payee name, address and nickname are required). 
      (Nickname could be “Mom”, “Neighbor”, etc.),
       click/tap Next.
    • The First time payee activation page will be displayed. For security purposes, PFFCU will send you an activation code for this new payee. You will be asked how you want the activation code delivered to you. Choose home phone, work phone or primary email. Click/tap Next.
    • An activation code will be sent to you via the delivery method you chose.
    • Enter the code in the box on this screen, click/tap Next.
    • You will now see the new Payee as the first listing in your Payments chart
  • Pay a bank or credit union – To add a bank or credit union, check the box Pay a bank or credit union, click/tap Next.
    • Choose from one of the following:
      – Loan
      – Credit Card
      – Checking
      – Savings
    • If you select Loan and Credit Card, you will be asked to complete the Payee name, account number, and phone.
    • If you select Checking or Savings, you will be asked to complete the required information (account number, routing number, phone number, account holder name and nickname.)
      (Nickname could be “Mom”, “Neighbor”, etc.)
    • Click/tap Next to proceed.
    • You may receive a message Need more information about this company.
      Enter the Address of the company, click/tap Next.
    • The First time payee activation page will be displayed. For security purposes, PFFCU will send you an activation code for this new payee. You will be asked how you want the activation code delivered to you. Choose home phone, work phone or primary email. Click/tap Next.
    • An activation code will be sent to you via the delivery method you chose.
    • Enter the code in the box on this screen, click/tap Next.
    • You will now see the new Payee as the first listing in your Payments chart.
How do I pay bills through Bill Pay?

Log into Online Banking, click/tap Bill Pay.

On the Bill Pay screen, look for the merchant you wish to pay in your list of payees, enter the amount you wish to pay in the Amount box, choose a payment date, then click/tap Pay. The Payments scheduled screen will display the information you entered and verify the payment is scheduled. You can choose to schedule additional payments using the Schedule More button. You may pay multiple bills by filling in the payment amounts and choosing dates of several merchants, then click/tap Submit all payments toward the top right under the Search button.

How long does it take PFFCU to pay my bill?

Merchants should receive the payment in 2-3 business days for electronic transactions and 7-10 business days for payments made by check.

How do I modify merchant information?

From the Bill Pay screen, click on the merchant’s name whose information you wish to edit. This will automatically take you to the next screen which gives details on this merchant. Go to Additional actions on the right and choose Edit Payee. Change any information needed and click the Submit button. You will then see a confirmation screen.

Can I use the PFFCU Mobile App to pay my bills through Bill Pay?

Yes. You can make a one-time regular payment today or in the future through Bill Pay using the PFFCU Mobile App. You can also set up recurring Bill Payments through the Mobile App.

Once I pay a bill in Bill Pay, how soon are the funds deducted from my account?

Payments made through Bill Pay may be sent electronically or the system may generate a check to pay the bill. You can determine if your bill payments are made Electronically or via Check.

Log into Online Banking, click/tap Bill Pay, in the Payments chart on the left, under “Pay To”, under merchant name, is the designation “Electronic” or “Check”.

  • Payments made by Check within Bill Pay–
    When payments are made by check (not sent electronically), the funds will be deducted from your Checking Account when the check is presented to PFFCU for payment.
  • Payments made Electronically within Bill Pay–
    Electronic payments will be deducted from your Checking Account on the payment date you have chosen. Bill Pay will pull funds at 8 a.m., if funds are not available, PFFCU will attempt to collect the funds at 3 p.m. If funds are not available on that day, Bill Pay will then attempt on the following business day at 8 a.m. and again at 3 p.m. and you will receive an email to inform you. If funds are not available on the second day, the bill will not be paid.
How can I see if my checks have cleared?

You can view cleared checks in Online Banking only.

Log into Online Banking, click/tap on your S0004 Checking tile to see checks which have cleared.

Why is my merchant payment address different than the one I receive in my mail statements?

Many of the bills that PFFCU sends out are electronic payments. Organizations such as PECO, Verizon, PGW, and many credit card and retail shopping companies receive electronic payments so their mailing address is different than the address to which paper bills are sent.

What browser will enable me to use Bill Pay?

PFFCU Bill Pay is compatible with the most recent version of Internet Explorer1, Chrome, Safari, and Firefox.

For all browsers, cookies must be enabled to use Online Banking and access Bill Pay.

1. Internet Explorer 11 & Microsoft Edge


PFFCU will not be responsible for any bill that is not paid/received by or on its due date.

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