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Pay Bills Online

Two free and reliable services to help you conveniently pay bills.

CMCU offers several easy options to pay your bills through your Digital Banking account on any device, including the Mobile App! You'll be able to schedule your bills and do one-time payments quickly and easily so you can get back to the more important things in your life.

bill pay

Bill Pay

  • Manage all your bills with ACH payments or paper checks sent by CMCU
  • Pay bills with your CMCU checking or savings account
  • Schedule recurring or single payments
  • Payments may take up to 1-7 days to process
  • View Demo Website
BILL PAY INFORMATION

Biller Direct

  • Pay bills faster with your CMCU debit or credit card
  • Easily stay on top of your payments by viewing a calendar of your bills and receiving alerts for upcoming bills due
  • Track all of your bills including subscriptions
  • Pay bills right away or schedule them to be paid in the future
  • Bill payees are always being added to the list
BILLER DIRECT INFORMATION

How to Use Bill Pay

Access Bill Pay in digital banking by clicking on "Service" in the left-hand menu, then click on "Bill Pay." After setting up Bill Pay on your Digital Banking account, you will be able to make Bill Pay payments on your CMCU mobile app account.

Payees

  1. To add a new payee, click on "Add Payee"
  2. Enter information for every item with a red asterisk (*). Depending on the payee type, these requirements may vary
  3. Click "Save" to save the new payee to your account

Before deleting a payee, make sure there are no recurring payments to the payee. If there are, you must edit the recurring payment series by cancelling it. After successfully cancelling the recurring payment, you can follow these instructions to delete the payee.

  1. Click on "Options" then "Delete a Payee"
  2. Remove a payee from your account by clicking the "Delete" button next to the payee you wish to remove

You can edit a current payee if their information has changed, such as an address or phone number.

  1. Click on the "kabob" menu on the payee you wish to edit (the three vertical dots next to the name of the payee)
  2. Then click on "Edit Payee"
  3. Make the edits you wish to change, then click on "Save"

 

Payments

  1. The default view of Bill Pay shows all of your payees with options to pay your bills. To set up a payment for any or all of your bills, select the "Pay From" account in the drop down menu, enter the payment amount and the delivery date next to each bill.
  2. When ready, click on "Review Payments" to view all of your scheduled payments
  3. If you are satisfied with your payment schedule and amounts, click on "Submit Payments"

Email or Text Message - Use this method if you do not know the recipient's routing and account number

  1. Click on "Options" then "Visit Bill Pay Site"
  2. In the new window or tab that is opened, click on the "Pay a Person" tab at the top
  3. Select the "Email or text message (electronic)" option and click "Next"
  4. Enter the required information (either text or email) and any other information you wish to track, then click "Next"
  5. The next page will ask you to create a keyword. You must share this keyword with your recipient.
  6. Select a phone number or email to receive an activation code, then check your phone or email for the code
  7. Enter the code into the "Activation Code" field and click "Next"
  8. Your payee will be officially set up and available for payment once the recipient finishes these steps:
    1. Recipient will receive an email or text with a link to verify the account
    2. The link will bring the recipient to a page that asks for the keyword you created and shared
    3. Recipient needs to enter the keyword into the keyword box and click "Submit"
    4. The next page will ask the recipient to enter their account type (personal checking, savings, or business checking), routing number and account number then click "Submit"
    5. The next page will confirm "Setup Complete" and the recipient can exit the page

Direct Deposit (Electronic) - Use this method if you know the recipient's routing and account number

  1. Click on "Options" then "Visit Bill Pay Site"
  2. In the new window or tab that is opened, click on the "Pay a Person" tab at the top
  3. Select the "Direct deposit (electronic)" option and click "Next"
  4. Input all of the recipient's information including routing and account number, then click "Next"
  5. Select a phone number or email to receive an activation code, then check your phone or email for the code
  6. Enter the code into the "Activation Code" field and click "Next"
  7. The new payee should now appear in your payments list

Check - Use this method if you wish to send a physical check to the recipient

  1. Click on "Options" then "Visit Bill Pay Site"
  2. In the new window or tab that is opened, click on the "Pay a Person" tab at the top
  3. Select the "Check" option and click "Next"
  4. Input all of the recipient's information, then click "Next"
  5. Select a phone number or email to receive an activation code, then check your phone or email for the code
  6. Enter the code into the "Activation Code" field and click "Next"
  7. The new payee should now appear in your payments list

There are several methods to view payment history:

  • On CMCU Internet Banking: Click on the "Payment Activity" tab at the top of the Bill Pay page to view pending and paid bills.
  • Bill Pay Site: Click on "Options" then "Visit Bill Pay Site." Your pending and paid bills will appear in the feed on the right side of the page.

To set up a new recurring payment:

  • Click on "Options" then "Visit Bill Pay Site"
  • Next to the payee/bill you would like to make recurring, click on the link "Make it recurring"
  • Fill out all required information then click "Submit"

To view recurring payments:

  • Click on "Options" then "Visit Bill Pay Site"
  • View your upcoming pending payments by clicking on the "View more" link in the Pending Payments window on the right side of the screen. You can also scroll to the bottom of the webpage and click on "View pending transactions."

Payments that have been processed cannot be cancelled. But, if the item has not been cashed, you may be able to do a stop payment (see below).

  • Click on "Options" then "Visit Bill Pay Site"
  • Click on the pending transaction in the pending transaction window on the right side of the page
  • If the "Cancel Payment" button is available, click it now to cancel the upcoming payment

Through Bill Pay, you may do a stop payment on a check. There is a $25 fee that will be applied for the stop payment.

  • Option One: In the full Bill Pay site (click on "Options" then "Visit Bill Pay Site"), find the transaction you need to stop, click on "View." In the next screen, you should see an option for "Stop payment request."
  • Option Two: Call the Bill Pay providers directly at (855) 242-7665.
  • After 90 days of the check not being reconciled, Bill Pay will automatically put a stop payment on the check free of charge.
  • If the check has been paid out, you would need to reach out to the payee for a refund.
  1. Click on "Options" then "Visit Bill Pay Site"
  2. Click on the "My Account" tab
  3. Locate the "Pay from accounts" box and select "Add Account"
  4. Enter the requested information and click "Next"
  5. Review the information, if correct click "Submit"
  6. Once submitted, pay "From Accounts" may take up to three business days to be approved
  7. You will receive a message in the Bill Pay site when the account is approved

How to Use Biller Direct

Access Biller Direct in digital banking by clicking on "Service" in the left-hand menu, then click on "Biller Direct."

Authentication

Syncing means that your bill information wasn’t readily available. Your bill should update within 24 hours.

If your bill is taking longer than 24 hours to sync select the “let us know” option on the syncing notification. This lets us know we need to investigate further.

 

Bills

Go to “add a bill”, search for the provider you wish to add in the search box, select the provider, enter your login credentials and select “verify”.

Your provider has posted additional charges to your account or a new statement has posted to your account. Our system is collecting the new balance due and the new due date that your provider is now displaying on your account.

Of course! We will never pay a bill unless you tell us to pay it. If you add your providers, but never schedule a payment, you will only receive updates on your bills.
Be sure you have bill notifications turned on so you receive email and/or SMS updates for your bills.

 

Payments

You can turn autopay on or off any time you want for any bill by selecting the bill, go to settings and choose automatic payment scheduling. From there, you can either turn it on or off. The default setting for autopay is off, so you must turn it on if you want your bills set for auto payment.
Don't forget to turn on/off autopay for each bill.

You can change your payment schedule any time. Select the bill you want to change, go to settings and payment schedule. You can then choose to have your bill automatically paid ten days before the due date, five days before the due date, the day before the due date, on the due date or when the bill is issued.
If you have your bill on autopay, the default payment setting is the day before the due date. Don’t forget to change it if you would like your bill paid on a different day.

For immediate payment: Select the bill you want to pay, choose a payment method and click “pay now”.
To schedule a payment in advance: Select the bill you want to pay, choose a payment method, click “schedule” and select your desired payment date.

Your bill will be paid by the end of the day on your desired payment date. However, it may take up to 24 hours for a bill to be paid.

If your bill wasn’t paid, check to make sure you do not have a message on the bill stating that your attention is required. The “attention required” message could be in place because of a declined payment, a problem with your login credentials or a problem accessing your bill to make a payment.

Your bill will be found under the “paid” section once it is paid. You will also receive an email and/or push notification depending on your bill notification settings.

If you schedule a payment, you can cancel and reschedule the payment up until the payment date. Once your bill is processing, you cannot cancel the payment.

No, you cannot make a partial payment on a bill.

Payments may show up immediately or they may take 1-3 days to post to your account depending on the provider and payment method used to pay the bill. There may also be delays on weekends and holidays.

It’s important to us that your bills are paid on time. If you choose to have autopay on, your payments must be made on or before the due date based on your payment settings. If autopay is off and you prefer to schedule payments, you must schedule your payment on or before the due date. If you forget to schedule a payment for a past due bill, we allow you to schedule the payment for that day only.

Your payment could have been declined for a number of reasons. The most common reason for a declined payment is insufficient funds. If your payment via ACH is declined, be sure to check that you have enough funds in your account and that your account number was correctly entered into Biller Direct. Please be aware that if you have excessive declined ACH payments, the provider may require you to use a debit or credit card for payment.

Your bill will be paid by the end of the day on your desired payment date. However, in some cases it may take up to 24 hours for the bill to be paid.

 

Settings

We highly recommend you keep notifications on for bill updates and important notifications. If there is a problem with your bill we won’t be able to notify you if you turn off notifications.
To turn on/off notifications, go to the circle with the 3 lines in the bottom right hand corner and select settings and notifications. To turn notifications off, move the circle to the left. The button will change from green to grey. To turn notifications on, move the circle to the right. The button will change from grey to green.

If you would like to remove your payment method, go to the circle with the 3 lines in the bottom right hand corner and select settings and payment methods. Next to the payment method you wish to remove, select the trash can.

If you would like to pay a bill with a different payment method, select the bill you would like to pay, go to settings and preferred payment method. From there, you will have the option of selecting a different payment method or adding a new one.

You will receive an error message if you are entering incorrect debit, credit and ACH information.
If you are attempting to add a payment method from a different financial institution, you will also receive an error message. You must use a payment method associated with our financial institution if you would like to use our bill pay feature.

We are constantly working to add providers. Keep checking back to see if your provider becomes available
You can also utilize "Bill Pay" also through your Digital Banking account to coordinate a check payment to your provider.

If you select, “fix now” we will direct you to your provider to login and complete the required steps to fix the account. Once you go to your provider directly to make changes, you can select, “I fixed it” and we will attempt to authenticate with your provider, present bill details and/or pay the bill. If you receive the “attention required” details and go directly to your provider without selecting “fix now”, you can select “I fixed it” after you make the changes with your provider.

The provider must have an online payment portal for bill pay in order for us to configure the provider. If the provider does not have an online portal we are unable to capture bill details and make a payment on your behalf.
There are also a handful of providers that we can’t configure just yet. If you request one of these providers, we will let you know why it can’t be added. We will also let you know once the provider is configured.

Additional Services available through Digital Banking

DIGITAL BANKING HOME


Go back to the Digital Banking homepage to learn more about the platform.

MOBILE
APP


Access your digital banking account on your smart phone or tablet anytime, anywhere.

CARD
SWAP


A single spot to update your card on file for subscriptions wherever you pay.

eALERTS


Get alerts about your CMCU accounts via phone or email.

eSTATEMENTS


View your account statements securely on Digital Banking.

DIGITAL
WALLET


Pay for your purchases in stores with your phone.

WATCH
APP


View your CMCU accounts on your watch.

DIRECT
DEPOSIT


Receive payments directly into your CMCU account.

PERSON
TO PERSON


Make P2P payments to your friends through Digital Banking.

BUSINESS
SERVICES


Learn more about the digital services available for business digital banking accounts.
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