Frequently Asked Questions about BillPayer
- What is eBranch BillPayer?
- What does BillPayer cost?
- How do I access BillPayer?
- What do I need to use BillPayer?
- How do I enroll?
- I've enrolled in BillPayer. What do I do now?
- How do I schedule payments?
- How do I edit a payee?
- Can I schedule bill payments from my Wescom Credit Card?
- Can I schedule bill payments from my Personal Line of Credit?
- When is my account debited?
- How is my bill payment processed?
- How long does it take for BillPayer payments to be processed?
- How can I see which payments are pending and which have been paid?
- How can I see which payments were scheduled from my Wescom Credit Card?
- Is there a fee for scheduling payments from my Wescom Credit Card?
- Can I stop a payment I have scheduled?
- How do I know whether a payment is processed electronically or by check?
- Can I add a memo on payments processed by check?
- Can I view an image of a cleared BillPayer check payment online?
- Can I use personal finance software such as Quicken or Money to schedule bill payments?
- What should I do if I have a problem or question?
What is eBranch BillPayer?
eBranch BillPayer allows you to pay bills or make other payments from your Checking Account, Personal Line of Credit, or a Wescom Credit Card using the Internet. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere in the world.
What does BillPayer cost?
BillPayer is free.
How do I access BillPayer?
Log on to eBranch. Once you’ve logged on, click on the BillPayer link from the Menu bar.
What do I need to use BillPayer?
You can make BillPayer payments using a Wescom Checking Account, Personal Line of Credit, or Wescom Credit Card. You will also need Internet access and a browser that meets our minimum requirements. Acceptable browsers include Internet Explorer 10 or higher, Firefox 28 or higher, or Safari 7.0, or Chrome 33.
How do I enroll?
It’s easy. Log on to eBranch and click on the BillPayer link from the Menu bar
I’ve enrolled in BillPayer. What do I do now?
You must add payees before you can schedule payments. To add payees, click on the BillPayer link from the Menu bar, and then click on Add Payee at the top right corner. When setting up your payees, use information from your most recent bill to avoid processing delays. Delays are often caused by an old or incorrect account number or an incorrect mailing address. Once you’ve added the payees, click on the Make Payment link on the BillPayer sub-menu to schedule payments.
How do I schedule payments?
Once you have set up payees, click on the Make Payments link from the BillPayer sub-menu and then schedule a recurring or one-time payment. Bills can be paid from your Checking Account, Personal Line of Credit, or Wescom Credit Card. You can schedule funds to be withdrawn the same day or up to a year in advance.
How do I edit a payee?
To edit a payee, click on the Payees link within the BillPayer sub-menu. Locate the payee and click on the payee’s name. The next page will allow you to make the necessary edits. (Make sure your edits reflect the most current payee billing statement). Keep in mind that adding information that is not within the Payee’s Billing statement could default electronic payments to the paper check method.
Can I schedule bill payments from my Wescom Credit Card?
Yes, bills can be paid from any Wescom Credit Card in good standing. For Credit Card bill payments, the funds for each payment will be advanced from the Credit Card and deposited into a Checking Account. The bill payment will then be processed using funds from the Checking Account.
Can I schedule bill payments from my Personal Line of Credit?
Yes, bills can be paid from your Wescom Personal Line of Credit. For bill payments scheduled from a PLOC, the funds for each payment will be debited directly from the PLOC available credit.
When is my account debited?
Your account is debited at approximately 8:00 p.m. on the scheduled withdrawal date, Sunday through Friday. Payments are processed and sent to the payee the following morning, meaning that payments are sent Monday through Saturday. Payments are not sent on Sundays or the day before a scheduled holiday.
How is my bill payment processed?
After your account has been debited, the method of payment is determined based on pre-set logic (payee name, account number, and address). The payment files are then processed via our third-party processing company the next morning. Your payment will be processed via paper check or electronically.
How long does it take for BillPayer payments to be processed?
Wescom recommends that you schedule your payments a minimum of 7 business days before the due date for check payments and 3 days for electronic payments. Depending on the payee, payments may be sent electronically or via U.S. Mail, but even electronic payments need at least 3 business days to be processed. Payments requiring a coupon or payment stub may take longer to process by the payee.
How can I see which payments are pending and which have been paid?
To view pending payments, click on the BillPayer menu option, then click on the Pending link from the sub-menu . To view payment history, click the History link from the BillPayer sub-menu. The Payment History tab contains payment history for bills that you have paid (30 days by default, but you can select a longer or shorter period). Click on the Detailed Search tab for more detailed payment history. You can search by payee name, amount, month, past days or date range.
How can I see which payments were scheduled from my Wescom Credit Card?
Click on the History link from the BillPayer sub-menu. Bills paid from a credit card are highlighted in yellow. Click on the History link from the BillPayer sub-menu. Bills paid from a credit card are highlighted in yellow.
Is there a fee for scheduling payments from my Wescom Credit Card?
Bill payments from your credit card will post as a cash advance and Wescom does not charge fees for cash advances. There is no separate limit for cash advances and the finance charges are the same interest rate (APR) as merchandise. However there is no grace period for cash advances so finance charges begin to accrue with the advance posts to your account.
Can I stop a payment I have scheduled?
You can cancel any payment prior to the funds being withdrawn from your account by clicking on the Pending link in the BillPayer sub-menu. On the Pending Payments screen, click the gear and select Cancel Payment. Once the funds have been withdrawn from your account, payments that are processed electronically cannot be stopped. Payments that are processed by check may be stopped as long as the check has not cleared, although we do not guarantee that we can stop the payment.
To check the status of a check payment, click on the History link from the BillPayer sub-menu, and then select the Payment History tab. The Date Cleared column will display the date the payment cleared. To place a stop payment on a BillPayer check that has not cleared, please submit your request via email by clicking on the payee name within the Payment History page in BillPayer. A system-generated email will be displayed with drop-down menu selections, including a request to stop and refund payment. Or, you may contact us at 1-888-4WESCOM (1-888-493-7266). There is a $25 stop payment request fee.
How do I know whether a payment is processed electronically or by check?
Click on the BillPayer menu option and then click History. The Method column on the History screen will display "Check" for check payments and "Electronic" for electronic payments.
Can I add a memo on payments processed by check?
Yes, you can add a memo on BillPayer check payments only. Click on the Make Payment link within the BillPayer sub-menu. When scheduling a payment, an "Add a Memo" line will appear below the payee name. The text you enter within the field will be printed on the check payment.
Can I view an image of a cleared BillPayer check payment online?
Yes, once a check payment has cleared, an image of the check will be available within your BillPayer history. You can view and print a copy of the cleared check by selecting the History link from the BillPayer sub-menu, locating the transaction, and clicking on the check number.
Can I use personal finance software such as Quicken or Money to schedule bill payments?
No. Currently, all eBranch functions, including BillPayer, can only be accessed via Wescom’s web site.
What should I do if I have a problem or question?
First, review the Frequently Asked Questions. If you still need help, email us at BillPayer@wescom.org, or call us at 1-888-4WESCOM (1-888-493-7266). For urgent issues, please contact us by phone rather than email.