Q. How do I register for Bill Payment?
A. You may register for Bill Payment online. The online method is invoked the first time you attempt to access Bill Payment as a registered Online Banking user. First, you will be requested to read and accept Merrimack County Savings Bank's authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, you complete an online registration form. After submission, the registration form is electronically forwarded to Merrimack County Savings Bank for review. Merrimack County Savings Bank is responsible for checking the information submitted and for assigning the payment plan.

If you try to access Bill Payment during the application-processing period, you will be shown a page requesting that you wait for the acceptance email notification.

Q. When can I start using Bill Payment?
A. After enrolling for Bill Payment you will first receive an Approval e-mail. Once your account has been enabled, you will receive an Activation e-mail indicating that you may log on to Merrimack 24 Online Banking and begin using Bill Payment.

Q. What frequency of recurring payments is allowed?
A. The frequency of recurring payments can be weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually and annually.

Q. Can I use Bill Payment with all my accounts?
A. No, only a single checking account may be used for payments. If you have more than one checking account registered for online banking, you designate which checking account that you want for bill payment by clicking on the dropdown arrow and highlighting the account that you want.

Q. When is Bill Payment available?
A. You may schedule payments 24 hours a day, seven days a week.

Q. How are Bill Payment transactions reflected on my checking account?
A. All Bill Payment transactions are reflected as an Automated Clearing House (ACH) debit on the account statement. It will say "External Withdrawal" followed by the name of the payee, then the words "Moneyline Express - Bill Paymt".

Q. Can I use Bill Payment internationally?
A. If you have Internet access with a secure and compatible browser, you may pay your bills while out of the country. Payments may only be made to payees within the fifty United States and territories.

Q. Can I pay bills to payees outside the U.S.?
A. No. Payments cannot be made to Payees outside the U.S.

Q. Is there a limit to the number of Bill Payment accounts I can set up?
A. Yes, you are limited to one Bill Payment account.

Q. When are funds debited from my checking account?
A. On the process date, the Bill Payment processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited within two banking business days.

Q. What do payees actually receive?
A. Electronic payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

Q. How is the payment deducted from my checking account?
A. The payment is deducted by direct ACH debit.

Q. Are payments made electronically or by check?
A. Payments are made either by paper check or electronically by ACH credit. The method employed on any single payment depends on whether the Bill Payment processor has established an electronic payment relationship with the payee and they are found on the electronic payee database.

Q. Who can be paid using Bill Payment?
A. Anyone in the fifty United States and territories who can accept a check, with the exception of tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.

Q. Can I pay my bills on the weekend?
A. You may set up your payments during the weekend. However, Bill Payment prohibits you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for Sunday are processed the day before. Therefore, when scheduling payments on a weekend, the first day you may schedule payments (single payment or the first of a recurring payment) is the first business day following the weekend.

Q. How are multiple bill payments within a single day debited?
A. Each bill payment is debited separately.

Q. Does the Bill Payment processor use a "process date" or "due date" processing model?
A. The Bill Payment processor uses the 'process date' model. Under the process date model, payments are initiated on the process date you designate. Special rules govern when payments are processed for particular days, so please refer to the Schedule Payments/Bill Pay Help section. The process date model is advantageous because it reduces confusion about the timing of the payment debit and when payees are in receipt of payment.