Home Banking/Bill Pay FAQs

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Online Bill Pay Frequently Asked Questions

What is Bill Pay in Motion?
Bill Pay in Motion is a fast and easy way to pay your bills online. No need to buy paper checks and stamps. Bill Pay is safe, secure, and so convenient. Pay anyone you’d normally pay by check from anywhere. Make one-time payments or set up recurring payments for monthly bills. Try it once and you’ll never want to write another check again.

How secure is my Bill Payment and personal information?
Bill Pay in Motion uses several methods to ensure that your information is secure.

  • SSL. Bill Pay in Motion uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
  • Encryption. Bill Pay in Motion uses 128-bit encryption to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out. Bill Pay in Motion automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don’t use your browser’s Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay in Motion.

Can I use Bill Payment with all my accounts?
No. You may only make payments from your Motion FCU checking account(s).

What does it cost to use Bill Pay services?
Our Bill Pay service is free; however one of the new features we have added is expedited payments. We can deliver electronic payments to some of your payees on the same day for a fee of $9.95, as well as, send overnight check payments for a fee of $14.95. If you do not need the expedited services, simply choose the next available BLUE date listed on the dynamic calendar to send a standard payment.

How soon can I start making payments?
Payments can be made as soon as the Bill Pay tab is activated and the disclosures have been accepted.

How do I get started?
It is very important to note that in order to enroll for and use Motion’s Bill Pay Services; you MUST have the following Motion Federal Credit Union Services:

  • You MUST be a current online home banking user. Online Home banking is a free service from Motion Federal Credit Union.
  • You MUST have a Motion Federal Credit Union Share Draft Checking Account. (All bills paid via Bill Pay are debited from your Motion FCU Checking Account.)
  • If you do not currently have a Motion Federal Credit Share Draft Checking Account, please stop by any Motion branch to open a checking account, or feel free to call us at 908.862.6966 for further information.
  • If you do not currently have online banking, stop by the credit union, and speak with one of our member service representatives, or* call us at 908.862.6966* for instructions.

Enrolling for Bill Pay:
ONCE YOU HAVE SUCCESSFULLY LOGGED INTO Motion’s Online Home Banking, simply click on the Bill Pay tab to view and accept our Bill Pay disclosure. After you have read and agreed to the terms of the disclosure, click “I agree” to activate your Bill Pay account and begin setting up your payees. (A payee is defined as anybody (company or individual) to whom you want to send money).

Can I use Online Bill Payment if I live outside the United States?
While you can enroll in Online Banking if you live outside of the U.S. – in order to utilize the Bill Payment service a U.S. address is required. Note, Bill Payments can only be made to those payees with addresses within the U.S.

Are there any companies/payees that I cannot pay through the Bill Payment service?
You cannot use Bill Pay to send payments to addresses outside of the Unites States. We don’t recommend using Bill Pay in Motion to make state and federal tax payments or court-ordered payments. Such payments are discouraged and are scheduled at your own risk.

You may pay anyone in the United States that you would normally pay by check, automatic debit, or cash. If the person or company can’t accept electronic payments, we print a check and mail it for you.

Are there minimum and maximum payment amounts?
Yes. The minimum payment amount for a single payment is $1.00, and the maximum payment amount for a single payment is $999,999.00. However, electronic payments are validated against your available account balance prior to processing, and check payments settle against your account like any other check; therefore, you are also limited by the amount of funds available in your account.

How does a payee get paid through Online Bill Payment?
There are three types of payment methods used for processing Bill Payments. Electronic credit, single check or draft check.

  1. Electronic – The funds for the payment are sent to the payee electronically. We will initiate an ACH debit to your account on the Payment Date for reimbursement of the payment paid on your behalf.
  1. Single Check – A check is generated and encoded with our processing routing and account numbers, and mailed to the payee. We will initiate an ACH debit to your account on the Payment Date for reimbursement of the payment paid on your behalf. Single checks are also known as corporate checks.
  1. Draft – A check is generated and encoded with your Motion FCU routing and account numbers, and mailed to the payee. Funds are removed from your account when the payee cashes the check. This is similar to a share draft check.

How are my payment methods determined and how can I ensure that my payee receives my payment by the due date?
While the goal is to send all payments electronically, we cannot guarantee this 100% of the time. The payment method depends on the payee relationship, your payment history, recent activity, and the amount of the payment. We recommend that you choose a pay date which is a few days prior to the payment due date. While payments are guaranteed to be received on or before the pay date; choosing a pay date a few days prior to the actual due date will ensure that your payee has ample time to process the payment.

What if I have a question and want to talk to a real person?
For Bill Pay assistance call: 844.775.9504 from 7 am – 1 am, EST, 7 days per week.

What is the daily cut-off time for standard Bill Payments?
For standard payments, the cut off time is typically 10:00 pm EST depending on the company/payees processing capability. The term “cut-off” refers to the deadline by which payments must be scheduled in order to begin processing on the current processing day. Payments scheduled after the cut-off time cannot begin processing until the next processing date.

The standard lead time is typically four (4) days. Payments process on days when the Federal Reserve is open for business and payments scheduled for a weekend or holiday will roll to the previous business day. You must consider the standard lead time and processing days when scheduling payments. Standard payments must be scheduled in advance of their due date to ensure a payment is received on time.

Should the processing date (pay date) I give be the date the payment is actually due?
We recommend that you choose a pay date which is a few days prior to the payment due date. While payments are guaranteed to be received on or before the pay date; choosing a pay date which is a few days prior to the payment due date will ensure that your payee has ample time to process the payment. Tip: use the dynamic calendar tool to determine how many days to allow for payment delivery.

Please also consider the following when scheduling payments:

  • Payments process on days when the Federal Reserve is open for business.
  • Payments scheduled for a weekend or holiday will roll to the previous business day.

Can I make an expedited payment, and what are my options?
Yes, you can expedite payments to a limited selection of payees, with our “Same Day”, or “Overnight Payment” options. Expedited payment options are available based on the payee payment method (i.e. electronic or check payments). Note: not all payees allow for expedited payments. If available, the option will be shown when you schedule the payment.

  • Same day payments: ($9.95 fee) – available only for certain electronic payments depending on the merchant and its remittance relationship. When scheduling a payment to a payee you can verify that the biller supports an earlier pay date if the Pay Today link is visible below the Date field, or by clicking on the Dynamic Calendar.
  • Overnight (check) Payments: ($14.95 fee) – available to any payee that receives paper check payments, and can only be sent to a physical street address. All overnight check payments are sent as laser draft checks and cannot be scheduled for weekend or holiday delivery. UPS is the chosen vendor for delivery of the overnight payments. A tracking number is provided to you via your email address on file.

What are the cut-off times for expedited payments?

  • Same day payments: the cut off time is 10:00 pm EST.
  • Overnight (check) Payments: the cut-off time is 4:00 pm EST.

How far in advance can I schedule a payment?
You can schedule a Bill Pay payment up to a year in advance, but the minimum amount of time is up to three to five business days before your payment due date. The minimum number of days varies by payee.

Can I have multiple payments to the same payee on the same day?
Yes, as long as the payments are different. If you need to schedule two payments of the same amount to the same payee, you will need to pick two distinct pay days.

Can I be notified about a scheduled payment once it is sent?
Yes, a payment reminder can be set-up to alert you via email when a payment has been sent.

What is a payment reminder?
Reminders are a helpful way to notify you of a due date and amount due, when your payment has been sent and your bill becomes past due. A payment reminder can be activated from the payment center by clicking on the “set up reminders” link. Bill reminders can also be set up in the “Manage My Bills” section.

When setting up a payment reminder for a specific payee, you will be required to pick a typical due date, typical amount of the payment, the bill frequency and advanced options, as well as an email address to receive the reminders.
You can also choose additional email reminder options such as;

  • Email me when my bill is due
  • Email me if not paid by the due date
  • Email me when the payment has been sent

How soon are funds actually taken out of my account?
If the payment is sent electronically, the money is withdrawn from your account on the pay date. If the company or person cannot receive electronic payments, we print a check and mail it to the billing address. For some checks, the money is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits or cashes the check.

How do I know if a payment was sent?
You can see that status of your payments in bill history. Payments with a Paid status have been sent.

What happens if a payee returns a payment that was sent due to an error or missing information?
When a payment is returned, a Bill Pay associate will research the error and try to post the payment again. If the payment is unable to be posted, a credit will be issued back to your account, and you will be notified with an email message sent through the Bill Pay product.

How do payments show up on my account statement?
Payments will appear on your account statement as either the name of the payee or a check number beginning with the numbers 995-, depending on the available payment method (i.e. Electronic or Check) for each individual payee.

What happens if I have scheduled a payment that falls over a weekend or holiday?
In most cases, selecting a date that falls on a weekend or a holiday will not be a selectable option. However, if a scheduled payment date falls on a non-business day such as a weekend or holiday, the payment will roll to the previous business date. If an automatic recurring payment date falls on a non-business day such as a weekend or holiday, the date is adjusted to the previous business day.

What happens if I don’t have enough money in my account to cover a Bill Payment?
You must have funds available in your account on the scheduled pay date. If a Bill Payment that is presented to your account fails as a result of non-sufficient (NSF), or uncollected funds (UCF), a second debit attempt may be made. If a second attempt fails, we will attempt to reverse the payment (only if the payee is set up for reversibility). Note: If the payee does not support reversibility, your Bill Pay account will be placed in collections, which may result in cancelled service.

Does the Bill Pay system offer a payment guarantee?
Yes. Payments made through the Bill Pay system are guaranteed. With the Payments Guarantee, you can be assured that your electronic payments are safe and reliable and that you are protected in the unlikely event of unauthorized transactions or processing delays. The Payments Guarantee applies if all the payment and contact information provided is accurate.

What is the difference between a variable/single Bill Payment and a recurring payment?

  • A variable/single Bill Payment is a one-time payment such as your telephone bill where the amount fluctuates each time. Or perhaps it is a payment you do not make regularly such as a florist you use only occasionally.
  • A recurring payment is one made regularly for the same dollar amount, on the same day each month, such as your car or mortgage payment. You only need to set up a recurring payment once in the system and access the system only when the payment is to be changed or canceled. Otherwise, your recurring payments will be made automatically.

How late in the day can I edit, cancel or delete a scheduled payment?
Payment changes or cancellations can only be made before the payment begins processing, and prior to the cut-off times below. Note: You cannot change a payment with a Paid status.

Cut-Off Times for Payment Changes and Cancellations:
Same day payments: Payments must be changed/cancelled by the cut-off time of 10:00 pm EST.
Overnight payments: Payments must be changed/cancelled by the cut-off time of 4:00 pm EST.
Standard Lead time: Payments must be changed/cancelled by the cut-off time of 10:00 pm EST.

What payment frequencies are available?
1 – Weekly
2 – Every 2 weeks
3 – Every 4 weeks
4 – Twice a month
5 – Monthly
6 – Every 2 months
7 – Every 3 months
8 – Every 6 months
9 – Annually

Why does it take five business days and sometimes more for payments?
The dynamic calendar takes into account the method of payment and the time it will take for the payee to receive payment. If the company or person you want to pay does not receive electronic payments, we print a check and mail it for you. This process typically takes up to five business days.

How can I tell if a payee will be paid with a check or electronically?
Once the payment is in the “processing” stage, the method of payment is visible.

What happens if I want to pay someone who doesn’t accept electronic payments?
If the company or person you are paying does not accept electronic payments, a paper check will be mailed on your behalf.

What if a paper check is not cashed?
If the check is not cashed within 90 days, those funds will automatically be refunded to your account.

What if I get a paper check back from the payee/merchant?
On occasion, payee/merchants may return paper checks to you for a variety of reasons such as: no payment is due, account closed, incorrect account information, etc. When this happens, you can redeposit the check into the account that the funds were originally drawn from as long as the issue date has not exceeded 90 days.

Can I pay a person or business if I don’t have an account number?
If you have an account number, please be sure to enter it. Some small companies, such as landscaping or cleaning services for example, may not assign you an account number. If you don’t have an account number, you can enter other information that identifies you to the company you are paying. For example, you can use your service address or the name on the account.

What should I do if a payee has not posted my payment?
Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two business days, call the company’s customer service line. If the problem isn’t resolved, you can send us a payment inquiry on payments in bill history. We will contact the company on your behalf in an attempt to resolve the problem.

Can I stop a payment?
Electronic payments may not be stopped. Payments which are being sent as a single check or draft check may be stopped; by placing a STOP PAYMENT request (stop payment fees may apply).

  1. To request a stop payment on a single check, please contact our Bill Pay assistance at: 844.775.9504 from 7 am – 1 am, EST, 7 days per week.
  2. To request a stop payment on a draft check, please contact a Motion representative at: 908.862.6966 for instructions.

How can I prove payments and transfers were made?
Your statement or cancelled Bill Payment check serve as proof of payment. We can also provide additional documentation, if needed.

Can I obtain the cancelled checks or proof of payment?
Yes. In most cases, depending on the type of check, you can see cleared check images in your online banking account history.

How long is history retained in the View Payment History section?
Review your bills and payments for the past 84 months in bill history. You can download your payment info to a comma-separated values (CSV) file, which can be viewed in Excel or a similar program. You can also import the file into a number of different personal financial software applications.

How many payees may I set up?
There is no limit to the number of payees you can set up.

How do I add more payees?

To add a Company/Payee:

  1. From the Payment Center, click Add a Company or Person to Pay.
  2. Select the appropriate category
  3. Select the biller icon/logo presented or choose the Other Company icon
  4. Enter the required biller information
  5. Click Add Bill.

To add a Person:

  1. Access the Payment Center.
  2. Click Add a company or person to pay.
  3. In the Enter the name of any company or person in the U.S. field, enter # the person’s name, or click the Everything Else category, or click the Person icon.
  4. Add the required information in the applicable fields.
  5. Click Add Bill.

Can I edit payee addresses?
It depends. We maintain relationships with thousands of companies, and manage their contact information for you. We don’t have to ask you for the contact information for these companies because we already have it and if the address changes, these companies contact us directly. If a company/payee does not have a managed relationship with us, you will have the ability to update the payee information.

When I add a new payee to my Bill Payment account, or change my account number, how quickly will the change take place?
All changes take place immediately, with the exception of any payments that may be in the “processing stage” – information for these payees will update for the next scheduled payment.

How do I delete a Bill Pay payee?
If you want to update or delete all future automatic payments to a company or person, go to Manage My Bills. Select the name and then update or cancel.

Are there any requirements to keep my Online Bill Payment account?
Since Bill Payment is accessed through Online Banking, Online Banking access is required. We require that you use your Bill Payment at least once every six months to avoid inactivation of your account. You must also maintain a good standing account with Motion FCU. Additionally, we reserve the right to cancel your Bill Pay account access if we suspect your account has been compromised or misused.

How can I cancel my Bill Pay service?
In the event you wish to cancel the Service, please contact Member Service via one of the following:

  1. Access My Profile and select Cancel Service; or
  2. Telephone us at: 844.775.9504 during Member Service hours; or,
  3. Write us at: Motion Federal Credit Union, P.O. Box 1160 Linden, NJ 07036

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time.
Neither termination nor suspension shall affect your liability or obligations under this Agreement.

Home Banking & Bill Pay Upgrade Frequently Asked Questions

Why is Motion changing online home banking systems?
We want to offer you the best online banking experience possible. We have chosen to convert to a new online banking service and bill pay provider that has a greater array of online and mobile services and tighter integration with our core system. There are many new features included in this enhancement that will make online banking more accessible and convenient for you.

Will my TellerPhone 24 access ID and PIN change?
No, your TellerPhone 24 access ID and PIN will NOT be changed.

Will my Bill Payment history carry over after the conversion?
Your payment history will not be carried over to the new system. Recently paid bills will appear in your account history, but not in Bill Pay. You can, however, retain bill pay history by downloading history to Quicken, QuickBooks, Microsoft Excel or a CSV file

Will I have to set up my recurring payments again?
No, you will not need to set up your recurring payments again, provided we are able to convert the appropriate payees. Your recurring payments will convert over to the new system, and will be paid as scheduled.

After the conversion what if I need to view history of a payment made prior to conversion?
Motion FCU staff, will be able to provide information regarding your account history for a time frame of six-months prior to conversion.

Will scheduled & recurring transfers convert to the new Home Banking system?
NO, scheduled and recurring transfers will NOT convert. Any scheduled transactions or transfers (set up in HB), such as monthly transfers to savings, loan payments, or other recurring events will need to be set up in Home banking by you again after conversion.

Will my current e‐bills carry over after the Online Banking conversion?
E‐bills will not transfer over and you will be required to re‐establish your e‐bills in the new Bill Payment system. You will receive a paper bill until you do so.

Who can I call if I have questions about the conversion or need help after the conversion?
Our Home Banking experts are available to assist you from 8:30 am – 4:30 pm M-F and can be reached at 908.862.6966 or via email at: billpay@motionfcu.org

Will I need to register for E-Statements again after the conversion?
Yes, if you are currently accessing E-Statements through your home banking account, you will need to re-register again on the new Home Banking system.

Will there be fees to use the new Home Banking system?
Home Banking and Online Bill Pay are still FREE. A few of the additional services that will be offered may have a minimal transaction fee associated with using them.

Is the new Home Banking system secure?
Your online security is very important to us! We take several precautions to ensure your information is secure. To access our secure area, you must enter your Logon ID and Security Code. Your Security Code is stored in our database in an encrypted format that even we cannot decode.

In addition, Enhanced Authentication provides extra protection for your online data and helps guard against phishing scams and identity theft by recognizing your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access. The new system also displays a secret Security Phrase that you choose.

What Web Browsers are supported on the new Home Banking system?
Only the following browsers are fully supported. Although other browsers may be used, they may not function properly. As we add new features and enhancements, older browser versions may not support these new standards. Upgrading to a new version will enhance your security and experience. If you experience issues accessing online banking we recommend updating to one of the browsers mentioned below:

Browser settings and troubleshooting steps will be available to you on the home page of our new Home Banking website.

Windows 7 and 8
Mac OSX 10.5 and higher
Microsoft Internet Explorer
Internet Explorer (versions 9.0 and higher)
Mozilla Firefox
Firefox (versions 27 and 28)
Safari (versions 5.0 and higher)