Frequently Asked Questions

What is happening to the current Business Bill Pay system?
We are upgrading the current system in an effort to make it easier for you to manage your business payables online with more flexibility, reliability and control. The new Business Bill Pay will feature enhanced functionality for permissions, {expedited payments and reporting.

When will the change take place?
We will begin the upgrade on September 20, and the new Business Bill Pay will be live on September 22. During this upgrade process—from Tuesday, September 20, through Wednesday, September 21,—access to Business Bill Pay will not be available. Although you will not be able to schedule, modify or check the status of payments during those days, payments you have scheduled to post will be paid as scheduled (rare exceptions may apply; see “Will my scheduled payments be made?” below for details). Additionally, it may take up to another five days for your entire six-month payment history to transfer to the new system.

What should I do to prepare for the change?
We are committed to minimizing any inconvenience that may come with this upgrade, so you can quickly begin enjoying the enhanced online banking experience it will provide. To make this transition as smooth as possible, we suggest that you schedule in advance any payments that will need to be paid from September 20 to September 21. For peace of mind, you also may want to print a list of all your payees, including payment amounts and dates due, so you can easily double check them in the new system. Also, make a note of any reminders and user permissions you currently have set so you can easily reactivate them in the new system. Finally, be sure to review these frequently asked questions and answers so you are fully informed.

What if I have a payment to make during the time the system is unavailable?
We recommend that you schedule any necessary payments before September 20; however, if you are unable to do so, you can make payments outside of the Business Bill Pay system via other methods that may be accepted by your payees (such as check, wire transfer or credit card) while the system is unavailable.

When will the Business Bill Pay system be unavailable?
Business Bill Pay temporarily will be unavailable from Tuesday, September 20, through Wednesday, September 21.

Will my scheduled payments be made?
If you have already scheduled payments, they will be made according to the pay dates you have set.

NOTE: In the unlikely event that a payee’s information on file has changed during the transition, it may be possible that a payment would not be made as scheduled in the new system. You may verify that your scheduled payments have been made correctly by viewing your payment history five days after the Business Bill Pay upgrade is complete.

Will I still be able to see my account information during the change?
You will still be able to log in to Business Banking and see your account information; however, Business Bill Pay functionality will not be available, so you will not be able to set up new payees, modify existing payments, schedule new payments or check the status of a current payment from September 20 through September 21.

How much of a difference is there between systems?
The core functionality of the systems will be the same: You will be able to schedule payments, set up eBills and reminders, and view your payment history. However, you immediately will notice that the screens and menus are slightly different.

As you can see from the example below, the new system provides a snapshot of your incoming e-bills and pending payments from the “My Bills” page.

The “Make Payments” functionality in the new system is very similar to the previous system. (See sample screen shot.)

However, the new system will feature enhanced capability for generating reports, making same-day payments and setting user permissions. (See questions and answers below for more information).

How do I make a payment in the new {Business Bill Pay}?
To make a payment in the new system, simply:

• Click the “Make Payments” link (or “Pay Invoices” if you wish to send invoice details).
  
• Locate the payee you wish to pay.
  
• Enter the dollar amount you would like to have paid.
  
• Indicate the payment delivery date. The earliest available delivery date will display in the date field, so you can leave the current date or enter a new one. You also can click the calendar icon to display a calendar with available delivery dates in bold.
  
• Click on the “Make Payments” button to make the payment. A confirmation message will appear for your reference.

Are there differences with the login?
You will access Business Bill Pay the same as before, from Business Banking.

Will all payee information and history convert over?
All payees, pending payments and scheduled recurring payments will transition to the new system. Also, a full six months of your payment history will convert to the new Business Bill Pay. However, you must review and update any reminders and user permissions, as well as reactivate or set up additional eBills once the new system goes live. However, it may take up to five days for this information to transfer to the new system.

What if I do not immediately see my payment history once the new Business Bill Pay goes live?
This is normal, as it may take up to five days for your entire six-month payment history to transfer to the new system. So if you do not immediately see your scheduled payment, it is advisable to hold off on resubmitting it for at least five days after the upgrade, to help ensure you do not make a double payment. (Most likely, your payments all will have been made, but will not display in your payment history until five days after the new system is live.) Rest assured that you should be able to verify your payments by September 26.

What if I need to access payments made prior to six months?
To research a payment made prior to six months ago, please visit a branch or contact our customer service team at 765.342.6695 and/or email On-LineBanking@homebanksb.com..

What is an eBill?
An eBill is an electronic version of your paper bill that you receive directly within Home Bank's Business Bill Pay. An eBill allows you to conveniently view and pay a bill in one place, right from Business Bill Pay.

How do I know when my eBills are delivered?
Once you set up an eBill, you automatically will receive an email notification when your eBill arrives. There are also notifications on the “My Bills” page within the new Business Bill Pay to alert you of any eBills that need your attention. (See example below.)

Will my eBills automatically convert to the new Business Bill Pay system?
Scheduling eBills requires secure information including account numbers. For your security, eBills will not convert and will need to be set up in the new system. You should automatically begin receiving paper statements for all of your existing eBills. However, we recommend that you make a note of all of your current eBills, their due dates and payment amounts to help ensure that you do not miss a payment. You also should deactivate your current eBills one week prior to the upgrade.

Approximately five days after the new Business Bill Pay goes live, all available eBills will be displayed in the new system. At that time, you will have the opportunity to set up new eBills by simply clicking the “Payee Management” tab, then clicking the “Set up: e-bill” link that will appear next to any of your existing payees that accept eBills within the new system. (See screen shot example below.) You may find that some of your previous eBills no longer may be available, while different and/or additional eBills are offered in the new system.

How do I make sure my payee information converts to the new system?
We recommend that you print a list of your current payees, including amounts and dates due, so you can double check them in the new system for greater peace of mind. Also, you may want to shorten any of your current payee account names that are longer than 25 characters, as they automatically will be abbreviated in the new system. And, it is best if you do not use the same nickname for multiple payees. (In the new system, any nicknames will be the default display. So it will be easier for you to distinguish your accounts at a glance if your nicknames are specific. However, rest assured that you will be able to simply click to view detailed account information, or change your nickname in the new system).

Once the new system is live, simply review the list of payees under the “Payee Management” tab. To view additional information for each payee, click on the payee name to display the “Payee Details” screen. (Note: Some addresses may appear as “On file,” which means that the address is automatically maintained and updated for you.)

If you would like to change any payee information, including payee nicknames, simply click the “Change: Payee Information” link. An “Edit Payee” page will appear where you can make adjustments, and then click the “Save changes” button.

How does my account information appear in the new system?
The new system is meant to be easy to use and intuitive. Nicknames and the last four digits of the account number will appear on the home page instead of the payee name. If you have not indicated a nickname in the previous system, the payee name will be the default. Make sure your nicknames are unique and specific and you will be able to easily scan, review and pay bills. (See above for instructions on how to change nicknames in the new system.)

How do I make sure a payment has been made?
To view payments that have been made in the new system, simply review the list of “Pending Payments” on the “My Bills” page. You can click on the “View payments – last 30 days” link to view more payment history. Remember, it may take up to five days during the upgrade process for transaction information to fully transfer to the new system. So be sure to keep this in mind to avoid making any duplicative payments. You should be able to view your entire six-month payment history by September 26.

Will my entitlements automatically transfer?
Since the new Business Bill Pay allows more detailed permissions per user, the entitlements from the previous system do not match up to the new system. Therefore, each of your employees/ users from the previous system will be assigned “Administrator” privileges in the new system. After the upgrade is complete, you will have the opportunity to review and adjust each of your employee/user privileges to take advantage of enhanced functionality, such as setting specific dollar limits, transaction type limits and more.

How will I set up entitlements in the new Bill Pay system?
To set up entitlements, select the “Administration” tab and then click on the “Business Users” link. To edit an existing user, click the “Edit” link next to his/her name. The screen below will appear. Your employees/users who were converted from the previous system will automatically be assigned an “Administrator” user type with unlimited access. To limit access, click the “User” option and choose the specific privileges you would like to assign.

What kind of reports can I pull?
The new Business Bill Pay features enhanced functionality for generating detailed reports. You can access payment reports by selecting the “Payment Records” tab from the primary menu. By default, the current month’s payments are displayed. You can select a larger date range, search for records, and create custom reports for specific payment information. You also can order a CD of payment history from here.

What audit reporting features are available in the new Business Bill Pay?
The new system enables audit reports for payment history as well as payee history. Payee history reports allow you (and any other Administrator users you assign) to track activity for each payee. Under the “Payee Management” tab, simply click on the payee name to view the “Payee Details” page; the “Payee History” information will appear at the bottom of the page.

How can I take advantage of next-day payment options in the new system?
The upgraded Business Bill Pay features a new option called Expedited Payments. (See sample screen shots below). For a nominal fee, the Expedited Payments option allows you to send a payment faster than standard scheduled payments—to help you have more control over cash flow and tighter cash management. Payments can be delivered by the next business day, and in some cases, the same day. To use this feature, simply select the “Expedited Payment” tab on the top navigation menu and follow the simple steps.

Who do I contact if I have more questions?
Please contact Tana Lobb, Business Services Manager, 765.558.3804 and/or email her at tlobb@homebanksb.com.