How does Check101 get my bill information?
How will I know when I have new bills?
How soon after Check101 receives a bill will I be notified about
What happens if I don't pay a bill?
What happens to the hard copies of my bills after they have been
What if some piece of important information, other than a bill,
is sent to Check101?
What if I decide later that I want the paper bill sent directly
to my house?
Do I have to pay the whole bill amount?
How are the payments issued?
When are checks issued to my payees?
When are electronic payments issued to my payees?
How will I know if my payee accepts electronic payments?
When is my last chance to stop a payment?
How long does it take for a Check101 payment to be received?
How will I know when payment has been sent?
When will the amount on the checks I authorized be deducted from
What if my payee cannot accept electronic payments?
How is my Check101 service fee handled?
Do I have to use Check101 for every bill?
Can I still write paper checks?
What happens if I do not have enough money in my checking account
to cover my bills?
Does Check101 support bill payment by credit card?
How does the Check101 QuickBalance™ feature work?
Can I pay all of my bills at one time?
What is the Personal Notes feature, and how is it different from
the memo field on a check?
does Check101 get my bill information?
To issue payments
through Check101, you must register your payees by providing their name,
billing address, account number (if applicable) and other pertinent information.
For bills that you choose to receive at home, this is the only information
you need to make available to Check101. If you choose to receive bills
online, your payees will be notified to send your bills, either electronically
or by mail, to a Check101 Processing Center. Electronic bills are posted
immediately to your account. Paper bills are scanned and posted to your
account within 24-48 hours of receipt.
will I know when I have new bills?
Check101 uses e-mail
to let you know the status of your bills. You control how Check101 notifies
you, and can choose to be notified every time a new bill is posted to
your account, seven days before a bill is due to be paid, and when a bill
is about to go overdue. You can also check the Billing Center at any time
to verify the status of your bills.
soon after Check101 receives a bill will I be notified about it?
notification is automatically sent to your attention as soon as a bill
is posted in the Check101 Billing Center. Paper bills are posted within
24-48 hours from when they arrive at the Check101 Processing Center.
happens if I don't pay a bill?
Check101 will continue
to send you e-mail notifications that a bill is overdue. Bills are never
paid unless you authorize them. If you choose not to pay a bill, or pay
by some other means, bills can be filed in the Check101 Billing Center
without issuing a payment.
happens to the hard copies of my bills after they have been scanned?
Your original paper
bill is stored for three months from the day of receipt, after which it
is shredded for security purposes and recycled. Paper bills received from
your payees are converted into electronic form within 24-48 hours from
when they are received at the Check101 Processing Center. Once converted
into digital format, your bill is available to you at a summary level,
at a detailed transactional level, and as an exact image of the complete
Summary information tells what bill came in, from whom, on what date and
the amount due. Included with transaction information is a record of the
action you took to either pay or file a bill and when and what actions
Check101 took while processing your bill. Your bill appears as an electronic
or scanned representation of the exact bill that was formerly mailed to
Summary and transactional information is always available online. Bill
images are maintained online for one year from the date the bill is posted
online. After one year, your bill images are archived off-line for up
to eight years.
Each year in January, Check101 makes a personalized end-of-year CD-ROM
available which contains all of your previous calendar year's bill history
information. On the CD-ROM you can access all of your bill images from
the previous year, and all of your summary information. This CD-ROM is
an optional benefit, which we provide at an additional cost.
The cost to retrieve original and archived bills from the Check101 Billing
Center is $4.00 per bill. Requests for original paper bills must be made
within three months of the date the bill is received by Check101.
if some piece of important information, other than a bill, is sent to
Any non-bill notices,
such as a rate change, will be scanned and delivered through the Billing
Center. Physical objects sent to Check101, such as a calling card, are
immediately forwarded to your home mailing address.
if I decide later that I want the paper bill sent directly to my house?
If you want to
have a payee send paper bills to your house, click on the My Payees tab
in the Billing Center. Then click the edit icon next to the appropriate
payee and choose the Billing Address Tab. Scroll down to the bottom of
the page, and click the Send Form button. Check101 will notify the payee
to reroute the bill to the original mailing address.
I have to pay the whole bill amount?
No. You decide
and approve the amount of payment for every bill.
are the payments issued?
Only you can authorize
a payment from Check101 -- you tell us who, when and how much to pay.
Payments are issued electronically or via paper checks, depending on the
payee's capabilities. Both electronic payments and paper checks always
include remittance information, ensuring that your payee can accurately
record that the payment has been made for your account.
are checks issued to my payees?
Most payees do
not currently accept electronic payments. Therefore, Check101 recommends
that you set the payment date 5-7 business days in advance of your bill
due date. Check101 cuts paper checks twice a day, Monday through Friday.
If you set payment in advance, your check is cut at 6 am EST on the day
you designated the payment to be sent. To have a check sent out the same
day that you authorize payment, you must authorize the transaction by
3 PM EST.
So, for example, if your payment is due to the payee on the 15th of the
month and you set the payment date in advance as the 10th, Check101 will
draft a check from your bank account on the 10th, at 6 am EST and mail
the check via first class mail to your payee.
If you wait until the 10th to set the payment to go out, you must authorize
your payment before 3 PM EST. (If you schedule the payment after 3 PM
EST, your payment will be issued the following morning.)
The money will not be deducted from your bank account until the payee
cashes your check.
are electronic payments issued to my payees?
For payees who
can accept Electronic Funds Transfers (EFT), Check101 recommends that
you set the payment date three days in advance of the due date. If you
authorize payment in advance, your EFT will be sent at 3 PM EST on the
day you designated for the payment to be sent. To have an EFT issued on
the same day you authorize payment, you must authorize the transaction
by 3 PM EST. Please note: some EFT transactions may clear your bank account
the same day they are issued. Be sure your account is funded in advance
to avoid bounced payments.
will I know if my payee accepts electronic payments?
You will know that
a payee accepts electronic funds transfers if the letters "EFT" are displayed
in the upper right hand corner of your check. No check number will be
displayed. In addition, bills in your Outbox will display "EFT" in lieu
of a check number.
is my last chance to stop a payment?
How long does it take for a Check101 payment to be received?
You can choose
to stop a payment up until 12 midnight EST on the night prior to the day
you have designated for your payment to be sent. For example, if you have
designated that your payment should be sent out on the 10th, you can stop
the payment up until midnight EST on the 9th. You cannot stop a payment
on the designated day a payment is to be sent.
Payments are issued
electronically or via paper checks, depending on the payee's capabilities.
Both electronic payments and paper checks always include remittance information,
ensuring that your payee can accurately record that the payment has been
made for your account. Check101 recommends that you plan to allow for five
working days for paper checks to reach your payees. We recommend that you
allow three business days for electronic payments to reach your payees.
will I know when payment has been sent?
By clicking on
the Bill Details icon for any bill, you will be able to access the Tracking
tab, which gives precise information as to when a bill was posted to your
account and when payment was issued.
will the amount on the checks I authorized be deducted from my account?
If the payee accepts
electronic payments, the amount is deducted from your account on the scheduled
payment date that you have authorized. If the payee is being paid via
paper check, the amount is deducted from your account when your payee
cashes the check.
if my payee cannot accept electronic payments?
Check101 will issue
a paper check if your payee cannot accept electronic payments.
is my Check101 service fee handled?
For your convenience,
the process of paying your monthly service fee is automated. Seven days
prior to the due date, you will receive an e-mail notice from Check101
and you can review the detailed statement in your Outbox. At any time
during the seven days prior to the due date you have the capability to
stop the payment by clicking on the Stop Payment icon in your Outbox.
On the day your payment is due, Check101 will debit your default payment
account via Electronic Funds Transfer (or issue a check on your behalf
if your bank doesn't offer EFT). In accordance with the Terms and Conditions
of the Check101 service, this monthly fee will be deducted from the checking
account you designate as your "default" payment account.
I have to use Check101 for every bill?
No, you choose
exactly which bills you want sent to Check101. When adding a payee, you
will be asked if you want to receive the bill online. If you choose yes,
a change of address notification will be sent to your payee, and bills
should be redirected to a Check101 Processing Center. If you choose no,
you will continue to receive the bill at home, and you can schedule payments
through the Billing Center. Please note: there may be some rare instances
where your bill will arrive online, but the payee will also send paper
bills to your home. Please check the Billing Center to ensure you do not
make duplicate payments.
I still write paper checks?
Yes. Check101 does
not replace your checkbook, it simply makes managing your bills easier.
happens if I do not have enough money in my checking account to cover
standard, approved payments against your checking account. Just as with
a paper check, you have to maintain sufficient funds in the account to
cover all payment obligations. Check101 is unable to notify you if you
have insufficient funds. However, you can use the Check101 QuickBalance
feature to retrieve an up-to-the-minute picture of your bank balance.
Check101 support bill payment by credit card?
Check101 will only
issue payments from an account with check-writing privileges. You can
use Check101 to pay your credit card with a check, but cannot use your
credit card to pay other bills through Check101 at this time. Check101
is currently exploring working with a number of payees to accept credit
card payments through Check101.
does the Check101 QuickBalance™ feature work?
The Check101 QuickBalance™
feature is the combined balance of your continuously updated online bank
account activity (including ATM withdrawals, deposits, debits, etc.) and
your up-to-the-minute Check101 bill payment record. With QuickBalance
you get the most up-to-date, accurate picture of your bank balance –
all without leaving the Check101 site – and all for no additional
cost! Use of QuickBalance requires that you have an online bank account
with one of the QuickBalance enabled banks. For a complete list of the
banks that are enabled to work with QuickBalance, click on the QuickBalance
button within the Check101 Billing Center.
I pay all of my bills at one time?
Yes. You can pay
multiple bills simultaneously from your Inbox. Just activate the Quick
Pay feature from the Bill Inbox and check the box next to the bills you
would like to pay. Enter an amount and payment date for each bill and
click the Pay button. Your payments will appear in the Inbox, just as
if you'd entered them one at a time.
is the Personal Notes feature, and how is it different from the memo field
on a check?
are reminders you can add to any payment or filed item. Common uses for
a Personal Note include reminders about why a payment was made, the occasion
for a gift, or a dispute with the payee. Personal Notes are completely
private, and can only be seen by you. In contrast, the memo field on a
check is printed right on the check for the purpose of making an additional
note to the payee.
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