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FCFFCU Services - Bill Payer

Bill Payer FAQ's
Who can sign up for Bill Payer?
A. Anyone with an FCFFCU checking account and access to PCU On-Line Banking.

How do I get started with Bill Payer?
A.
You need a current bill from each payee to be set up. Click on add a payee on the main bill pay screen and enter all the information requested correctly or your payment will not be able to be processed.    

How soon can I start sending payments to my payees?
A.
You must wait three business days after setting up each new payee before you can start sending payment.  

Who can I pay with Bill Payer?
A.
You can pay any individual, business, merchant or professional.  

What types of bills cant I pay through Bill Payer?
A.
Payments to any government agency including, but not limited to, federal, state, and local taxing authorities and payments to international addresses.    

What is the payment start date?
A.
This is the date the money will be withdrawn from your account and sent out to the payee. The payee could receive the payment up to 5 days later so it is up to you to schedule payments so they are received by the required due date.      

What happens if I dont have enough funds in my account to cover a bill payment?
A.
You will be charged an NSF fee of $25.00 if the funds are not available in your checking account, overdraft loan protection or your savings account. A fee of $2.00 will be assessed if the money is transferred from a savings account. Also, you will need to reset your payment and make sure you have the funds available on the appropriate date.        

How close to the original payment date can I change a bill payment?
A.
You can change a bill payment up to the day before the business day the payment is scheduled to be deducted from your account.    

How are my payments sent?
A.
Although you can input payments 24 hours a day, 7 days a week, payments will only be processed on business days. Payments are sent one of two ways: electronically or by mailing your payee a check if they do not accept electronic payments. Scheduled payments that fall on Saturday or Sunday will be paid on Monday. If payments are scheduled on a Holiday, they will be paid the next business day.    

How long does it take for my payee to receive their payment?
A.
You need to allow 2 days for electronic payments and 5 days by check.

What should I do if a payee has not posted my payment?
A.
You need to allow at least 10 business days for a payee to receive and post your payment. If after 10 business days, your payment still has not been posted, call Member Service at the credit union at 725-3191. We will trace the payment and get back to you.    

What should I do if I have a question on a successfully remitted payment?
A.
Call 1-800-889-3248.  

Do I have to re-enter payee information each month?
A.
No, once you set up your payee, the information will remain for you to use each month. Each payees information stays until you decide to change it. You can add, change, and delete payees from your list at any time.    

How do I pay bills that change amounts each month?
A.
You set them up as recurring and go in and modify the payment up to the day before the business day the payment is scheduled to be deducted from your account.    

How can I verify payments were made on my behalf?
A. You can refer to Bill Payer. Click on Payment History. Also, you can check your share draft history in PCU Banking and/or your monthly statements.

Other facts regarding FCFFCU Bill Payer
  • There is no monthly fee to use FCFFCU Bill Payer. If there is 3 months of inactivity, you will be removed from the service.
  • Your payee decides if the payment is sent electronically or by mail.
  • The minimum payment allowed is $.01.
  • The maximum is $25,000.00<
  • You can have as many as 250 payees.
  • There is no minimum number of payees.
  • You may use Bill Payer to pay only (1) payee.
  • There is currently no limits on the number of monthly payments you can make.
  • Call Member Service at the credit union to cancel Bill Payer.