Online Bill Pay Frequently Asked Questions

Q. How do I access the Online Bill-Pay system?

A. Login to NetBranch at and click on Online Bill-Pay located under Services. Please read the “Terms and Conditions” and “Privacy Policy.” Once you have acknowledged that you have read and accepted the agreements, you may begin using the service.

Q. How does Online Bill-Pay work?

A. To pay your bills online, add the vendors and your associated account information. This information is used to make the payments for your bills.

After adding your bills, you can visit the Payment Center. The Pay Bills section lists all of the bills you've added in Online Bill-Pay. In order to pay or schedule a bill, the payment amount and the desired due date must be entered. This date may also be selected from the dynamic calendar feature.

Tip: When you enter an amount, Bill Pay automatically displays the earliest date available in the Pay Date box for the vendor to receive the payment. You can accept this date or change it to one that is more suitable.

If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills that have been paid in the past six months, including electronic bills and the bills that are paid automatically.

Q. How secure are my bill payment activity and personal information?

A. Online Bill-Pay uses several methods to ensure that your information is secure.

SSL - Online Bill-Pay uses SSL (Secure Sockets Layer) to ensure that your connection and information are secure from outside inspection.

Encryption - Online Bill-Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out - Online Bill-Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in the bill pay system.

Q. What web browsers can be used to access Online Bill-Pay?

A. For best performance, we recommend you use one of the following supported browsers:

  • Microsoft Internet Explorer 6.0 (Windows XP)
  • Microsoft Internet Explorer 7.0 (Windows XP)
  • Firefox 2.0 (Windows XP)
  • Apple Safari 2.0.x (Mac OS X 10.4.x)

We also recommend that you enable JavaScript in your browser. JavaScript is required for certain Bill Pay features to function properly.

Online Bill-Pay Schedule of Payment Changes
The enhanced Online Bill-Pay service continues to be free of any monthly service fees. However, there may be fees associated with the service if you attempt to make payments with insufficient funds in your account. If your payment is sent electronically, the funds for the payment generally will be deducted from your account at the end of the business day on the pay date you specify.

If your payment is made by check, the funds are withdrawn from your account when the company or person deposits or cashes the check and it clears your account. Any bill payments made online should be subtracted from your checkbook balance immediately to ensure there are sufficient funds available to cover the payment on the pay date.

If you have insufficient funds, your account is subject to our normal charge of $30.00 for each NSF bill-pay transaction. Our bill-pay provider may choose to pay the bill for you in order to avoid a late bill, late charges or merchant fees. The funds for your bill payment will then be deducted from your account when available. If you currently do not have Courtesy Pay with your account, either by transfer from a savings account or from a line of credit, please contact a Member Service Representative. In determining whether to make payments electronically or by check, our bill-pay service provider will evaluate the risk of each subscriber based on the credit rating and payment history.

Our Agreement with You
Although many of the details of the upgraded Online Bill-Pay service are explained here, we encourage you to read the full “Terms and Conditions” and the “Privacy Policy” of the service when you visit the Online Bill-Pay website for the first time. Click on the Terms and Conditions and the Privacy Policy link at the bottom of each page. Your use of the bill-pay service signifies your agreement to these terms.

Service Terminology of the Bill Pay Service

  • Service - the bill payment service offered by Bill Pay through SRP Federal Credit Union.
  • Agreement - refers to the terms and conditions of the bill payment service.
  • Biller - the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.
  • Payment Instruction - the information you provide to the bill-pay service for a bill payment to be made to the bill vendor (i.e. vendor name, vendor account number, and scheduled payment date).
  • Payment Account - the checking account from which bill payments will be debited.
  • Billing Account - the checking account from which all bill-pay service fees will be automatically debited.
  • Business Day - Monday through Friday, excluding Federal Reserve holidays.
  • Scheduled Payment Date - the day you want your vendor to receive your bill payment and the day your payment account will be debited, unless the scheduled payment date falls on a non-business day. The scheduled payment date will then be considered to be the previous business day.
  • Due Date - the date reflected on your bill vendor statement on which the payment is due; it is not the date your payment is late or grace period.
  • Scheduled Payment - a payment that has been scheduled through the bill-pay service but has not yet been processed.