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How to use Bill Pay

Bill Pay allows you to pay bills, send friends money, and transfer money between banks.

To qualify for Bill Pay, you'll need to have a Northwest Checking account with NWCU and be enrolled in eBanking. Essential Checking and Northwest Passage accounts are currently not eligible for Bill Pay.

Get Set Up on Bill Pay

  1. Log into eBanking.
  2. In the menu, select Transactions and then Bill Payment.
  3. Your primary account (usually, your first checking account) will be where the funds are pulled from. If you have more than one checking account set up, you'll be able to choose between accounts.

Bill pay home page

How does Bill Pay Work?

Once you’ve set up your billing details, payments will be processed automatically. Checks can be sent out in one of three ways: draft check, certified check, or electronically. Electronic and certified checks withdraw funds from your account around 11 AM on the scheduled payment date. Any payments scheduled after 11 AM will go out the next business day. Draft checks will withdraw funds when the payee cashes the check.

To avoid late fees, be sure to check each payee's delivery date and ensure funds will be available when the payment is set to pull.

How to Schedule a Bill (How to Set Up a Payee)

To set up a bill (or payee) for the first time, you'll follow the steps below.

  1. You can type a name into the network search function or choose one of the options below. Options include credit cards, phone companies, utilities, charities, and more. If you'd like to set up a payment to a specific person, choose "Everything Else" and then select "Person."

Step 1 of Setting up a Bill

  1. You'll enter the fields as they're laid out. For credit cards, it'll include your account number and an optional nickname. For a person, you'll need to include their email, phone number, and a mailing address (do not mail checks to invidiual people to their banks).

Filling in bill details.

  1. In the third screen, you'll choose how much you'd like to send them and when the payment should be made. To ensure you don't receive any late fees, make sure to schedule it a few days before the bill is due to ensure it's processed before it's due.

Setting up payment for a new bill

Once you set up a bill and a payment, you'll see it in the Payment Center under "Pending Payments." You'll also receive an email that a new bill was added to Bill Pay.

How to Edit or Cancel a Payment

Checks are sent out three business days in advance, so to cancel or edit a check, you'll need to modify it before this period begins.

To do this, select the payment under the Pending Payments header and click “Cancel” or “Change”. In the next screen, click "Cancel Payment" to cancel the payment. If you don't want to cancel it, you can click the "Do Not Cancel Payment" link.

To change the payment, click "Change" and from the next screen, you'll be able to change the amount or the date. Then press "Save Changes."

If you see the word "processing," this means it's too late to edit or cancel a payment aside from placing a stop payment request.

Cancel or changed payments will show up in the "Recent Payments" area in your Payment Center.

Payment Center

How Can I Place a Stop on a Check That has Been Sent?

If it’s too late to cancel or edit a payment, you’ll need to request a stop payment. Contact us via phone at (800) 452-9515 or send us a Secure Message via online banking is the best way to stop a check that’s gone out as scheduled.

Stop payments on Bill Pay checks follow our standard fee rate and can be done up to six months after the check is written. If you're waiting for a payment to clear, we recommend waiting 5 business days before placing a stop, to allow the payee time to receive and process the payment."

How Do I Find Out What Happened to My Check?

We partner with PartnerCare to provide you the Bill Pay service. They guarantee each mailed payment, so long as the information provided for the payee is accurate, and the payment date is no later than your due date. If a payee tells you that a check hasn’t reached them, or that your payment is now late due to an undelivered check, you can submit a payment inquiry.

How to submit a payment inquiry:

  1. Open Bill Pay
  2. Navigate to the Payment Center
  3. Select the payment in question under the Recent Payments section (if in the past 30 days), or Activity tab (if more than 30 days)
  4. In the Payment Details screen, click to submit a Payment Inquiry and fill out the required details

When a payment inquiry is submitted, we recommend that you let the payee know that PartnerCare will be in contact to resolve any issues for that check delivery. PartnerCare will reach out to the payee, and update NWCU (and you) with each attempt at contact. If PartnerCare is unable to reach the payee, you will receive a phone call, email, and/or message via online banking.

How Can I Transfer Funds to Another Bank or Credit Union?

Our Transfer Money to Other Financial Institution service inside of Bill Pay is ending May 5, 2021. We have a FREE service right inside of Online Banking called External Transfers that allows you to easily link and send funds to and from your other institutions. Learn how to set up External Transfers.

What is POPMoney?

POPMoney allows you to transfer money via email or text to other people, even if they're not NWCU members.

There is a small fee, based on the amount of money you're sending:

Amount of Transaction Fee
$0 - $249.99 $0.50
$250 - $999.99 $0.70
$1,000 - set max. $1.50


Note that another way to send money to friends and family who aren't NWCU members is Northwest Pay, which does not have a fee.

With POPMOney, the person you're sending money to doesn't have to have an account with Northwest Community Credit Union. They'll receive an email or text with instructions on how to retrieve their money. If they don't set up a profile or accept the funds within 10 days, the money is returned to your account.

Note: payments are not allowed outside of the U.S. or Puerto Rico.

How to Send Funds via POPMoney

  1. Click “Get started” on the main POPMoney menu
  2. Enter the payee's first and last name
  3. Select to have money delivered via an email address, mobile phone number, or directly to their bank account
  4. Enter amount you wish to send and delivery date

POPMoney can also be used to send funds to a charity that the service partners with, by selecting “Charity” instead of “Person.”

Read our Electronic Services Agreement.