Frequently Asked Questions

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.

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.

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.

Payments can be made as soon as the Bill Pay tab is activated and the disclosures have been accepted.

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.

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.

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.

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.

For Bill Pay assistance call: 844.775.9504 from 7 am – 1 am, EST, 7 days per week.

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.

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.

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.

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

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.

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.

Yes, a payment reminder can be set-up to alert you via email when a payment has been sent.

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

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.

You can see that status of your payments in bill history. Payments with a Paid status have been sent.

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.

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.

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.

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.

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.

• 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.

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.

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

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.

Once the payment is in the “processing” stage, the method of payment is visible.

If the company or person you are paying does not accept electronic payments, a paper check will be mailed on your behalf.

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

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.

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.

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.

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.

Yes. In most cases, depending on the type of check, you can see cleared check images in your online banking account history.

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.

There is no limit to the number of payees you can set up.

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.

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.

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.

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.

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.

No. You may only make payments from your Motion checking account(s).

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 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.

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. Additionally, we reserve the right to cancel your Bill Pay account access if we suspect your account has been compromised or misused.

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 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).