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Bill Pay Online Info

Pay most of your bills without buying stamps, writing checks, or mailing envelopes. Bill Payment Online is safe, secure, and password protected. And best of all, it’s free.

Want to learn more? Check out the FAQs below or try our Online Banking Demo.

How do I sign up for Bill Pay Online?

Simply complete the Bill Pay Online Application Form and return it to the bank by mail, fax, night drop, or in person.

How much does Bill Pay Online cost?

It's free.

Who can I pay?

You can make payments to virtually any business or individual located within the United States. Payments not allowed through Bill Pay are payments to a federal, state, or local government or tax unit..

Once I have completed and returned the application, how soon can I start using Bill Pay Online?

Allow up to three (3) days from the day we receive your completed application. Log on to FNB Online Banking, select the checking account you wish to pay your bills from, and there will now be a Bill Payment tab as one of your options.

Now that I have signed up for this service and the Bill Pay tab is available to me, how do I get started?

We have an Online Help feature that will give you step-by-step assistance for all the functions available to you through our Online Bill Payment service. When logged on to FNB Online Banking, simply click on the “Help” button, then double click on Bill Payment. Of course, you are always welcome to call our friendly Customer Service Representatives for additional help if needed.

I have noticed on the Payment Confirmation Screen there is a “Select Export Form” box. What is this for?

If you use any type of personal finance software, such as Microsoft Money or Intuit QuickBooks, you may export this information directly into that software.

How many days should I allow between the payment due date and the day I schedule the payment to be made?

As a rule, you need to allow at least seven (7) business days for payments to reach your payee.

Why does it take up to seven (7) business days for payments?

Currently, all payments are made by check, which is sent to that payee via U. S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account.

What if I need to pay a bill immediately? Will it get paid?

The bill will get paid, but the bank can not guarantee that it will arrive by the due date. Remember, some of your payments are sent by check, so you must allow the U.S. Postal Service sufficient time to deliver your payment.

When will the payment be deducted from my account?

Your account will be debited for the amount on the scheduled payment date.

What happens if I do not have sufficient funds in my account to cover a bill payment?

If your account does not have “sufficient funds” on the scheduled payment date, the payment will not be processed. The system will automatically attempt to process the payment every day until sufficient funds become available, or you notify us in writing to cancel the payment.

What if I have more than one account with the same payee?

If you have more than one account number with the same payee, set each account up as a New Scheduled Payment.

Can I cancel or stop a scheduled payment?

You can cancel a scheduled payment any time prior to 5:00 P.M. on the date of the scheduled payment. To cancel a scheduled payment simply select the appropriate payee from your Payment List, select the payment you wish to cancel, and delete the information from the “Next Payment” and “Amount” fields. Payments cannot be cancelled or stopped any time after 5:00 P.M. on the date of the scheduled payment.

If some of my bills are currently being drafted from my account, will I have to change them over to the Bill Payment service?

No, there is no need to make any changes to bills currently being drafted from your account. However, if you would prefer to pay them through the Bill Pay Online service, you should provide the appropriate cancellation notification to your vendor, and then add the vendor as a New Scheduled Payment through Bill Pay Online.

Can I use any of my First National Bank of Livingston accounts to pay my bills?

No, Federal Regulations limit our ability to allow you to pay bills from your savings or Money Market (Investment) account, therefore, Bill Payments must be made from checking accounts. Checking accounts that require two or more signatures cannot be used for Bill Pay purposes.