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Bill Payment

Products and Services

Frequently Asked Bill Pay Questions

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.


Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a ‘Final Payment Date.’


Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy! Just click this HERE to complete a request for Bill Pay access and finish by submitting the form.

Someone from our operations team will review your request and enable the service for you. Once the service is enabled you will see a Bill Pay enrollment button appear within the My Accounts area of Internet/Mobile Banking. Just click the enrollment button, complete enrollment and begin using the service.


Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.


Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: Not at this time.


Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.


Q: When can I start using electronic bill payment?
A: You can begin bill payment once the service has been enabled within Internet/Mobile Banking and you can click the Bill Pay enrollment button to complete the final step of the registration process.


Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.


Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.


Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.


Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.


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 per Internet/Mobile Banking User ID.


Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.


Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the earliest that payments scheduled on the weekend will process will be the next possible business day.


Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.


Q: What if I do not have sufficient funds on the day my account is debited?
A: Commonwealth Community Bank reserves the right to cancel any bill payments that may result in an overdraft situation.


Q: Are all debits and credits sent out at the same time?
A: No, Funds will be debited before the payments are sent out.


Q: How is my account debited?
A: Your account is debited via ACH.


Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.


Q: How do I place a ‘stop payment’ on a bill payment?
A: A payment may be edited or deleted any time before the “process date.” Payments that have been remitted electronically cannot be stopped.

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