Member Services

Bill Pay


1. Who can I pay through St. Mary’s Bank’s Bill Pay?

2. How much lead-time do I need to allow for online bill payments?

3. How do I know if the payment is being sent electronically or by check?

4. What is the Payment Guarantee? 

5. When can I expect the payment to be deducted from my account when my recurring Bill Payment is scheduled on a holiday?

6. How do I sign up for Bill Pay?

7. How do I sign into Bill Pay?

8. I am unable to access my Bill Pay through my online banking on my iPad. What do I do?

9. I opened a new checking account, when will this additional account show up for use in my Bill Pay?

1. Who can I pay through St. Mary’s Bank’s Bill Pay? 

You can securely pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.

2. How much lead-time do I need to allow for online bill payments?    

When scheduling payments please allow up to 2 business days for electronic payments and 5 business days for check payments. Each time you schedule a payment you will be presented with a Deliver by Date that you select, which will calculate the send on date based upon the way the payment is sent.

3. How do I know if the payment is being sent electronically or by check?    

If you are unsure if a payment is being sent electronically or by check, refer to the Days to Deliver column in your Payees List (click on the payments tab and then click on payees). Electronic payments will show as 2 days to deliver and check payments will typically show as 5 days to deliver.

4. What is the Payment Guarantee?    

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please see the for important information on the limitations of reimbursable fees and finance charges.)

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

1. The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a “Send On” date no later than July 1st.)

2. The payment was not made to an excluded payee:

    • Unprocessed payments due to debit failures
    • Payments to settle securities transactions
    • Payments to payoff special or delayed financing for purchases
    • Payments to credit counseling agencies who pay creditors on your behalf

3. The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:

    • Payments to payees outside of the United States
    • Court-ordered payments such as alimony, child support, speeding tickets, etc.
    • Tax entities
    • Collection agencies

4. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).


5. When can I expect the payment to be deducted from my account when my recurring Bill Payment is scheduled on a holiday?  

To ensure your payment is received by the Deliver by Date,  the payment will be deducted from your account one business day earlier.


6. How do I sign up for Bill pay?    

You must have an Online Banking accout to use Bill Pay. To sign up for Online Banking click here.


7. How do I sign into Bill Pay?   

You can access Bill Pay thru Online Banking by clicking here.

8. I am unable to access my Bill Pay through my online banking on my iPad. What do I do?   

The Bill Pay window is presented as a "Pop-Up." In order to access your Bill Pay through Online Banking you will need to set your iPad browser to "Allow Pop-Ups." Once you have changed this setting log back into Online Banking and click on the "Bill Payment" tab. You should now see your Bill Payment information. Please Note: Allowing or disallowing Pop-Ups is a universal setting for your browser. Changing this setting will also allow Pop-Ups to appear when accessing websites other than St. Mary's Bank.

9. I opened a new checking account, when will this additional account show up for use in my Bill Pay?   

Once an account is opened, it takes appoximatelly 1 business day for it to appear in your account list within Bill Pay.