A: Payment Center lets you schedule and make payments as well as receive and pay bills online through Virtual Branch .

• You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
• You can also set up repeating payments, such as a car payment or rent.
• You can schedule single payments up to one year in advance.

The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.

A: There are two basic steps involved in using Payment Center to make online payments:

1. Set up your payees.
2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. All of your payees are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.

When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. Payment Center determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.

After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account. Sometimes, however, the payee may take a few days to apply the payment to your account.

A: Payment Center uses several methods to ensure that your information is secure.

• User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don't share your user name and password with anyone, no one can sign in to Payment Center as you.
• SSL: Payment Center uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
• Encryption: Payment Center uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
• Automatic Sign Out: In addition, Payment Center automatically signs you out of a session if you are inactive for a predefined number of minutes (usually ten minutes). It is best if you sign out immediately after you are finished scheduling and making payments.

A: Payment Center can assist you in using its features as follows:

• This product contains help that is available on each page. Click the Help me with this page... link to open help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
• If you have general questions, read through the list of frequently asked questions (FAQs).

A: Confirming your payment account within Payment Center enables you to use all the features of Payment Center without the limitations of an unconfirmed payment account. For example, until you confirm your payment account within Payment Center, you are limited in the total dollar amount of payments you can make. Other tasks that you can do with a confirmed payment account are:

• Set up Auto-Pay payments.
• Set up repeating payments.
• Move payments from one account to another.

Note: The information that you need to confirm your payment account is on the account statement provided by your financial institution. Account confirmation transactions will have ACCTCONFRM in the description

A: A confirmed payment account is an account that you can use with all Payment Center features. The only limitation on a confirmed payment account is your payment limit.

An unconfirmed payment account can only be used to do certain tasks within Payment Center. With an unconfirmed account, you can make payments only until you reach the total payment limit established for unconfirmed payment accounts. When you reach the payment limit for an unconfirmed payment account, you can't schedule any more payments from that account.

Account confirmation gives you and Virtual Branch an extra level of assurance that the payment account you added through Payment Center is actually your payment account or a payment account that you are authorized to use.

A: After you enroll or add a new payment account from Payment Center, we send two small deposits and one withdrawal to your account. (The withdrawal is the sum of the two deposits.) The deposits and withdrawal appear on your monthly statement from your financial institution (either online or mailed to you) with ACCTCONFRM in the description.

When your account confirmation deposits and withdrawal appear on your monthly statement, go to the My Profile - Payment Account Information page and click Confirm next to the payment account you want to confirm. On the My Profile - Payment Account Confirmation page, type the deposit amounts in the appropriate boxes. If the deposit amounts you type match the deposit amounts in our records, then your account is confirmed.

Note: If you wait longer than 45 days to confirm your payment account, you can't send any payments from the account or receive any payments into the account until you confirm it. If you exceed the number of attempts you have to confirm your account or there is a problem when we try to send money to your financial institution to confirm your account, you must print and mail us a form. To go to the form you can print and mail, click Contact Us next to the payment account you want to confirm.

The total number of unconfirmed payment accounts you can have in a 12-month period is three. This includes any payment accounts with a status of Confirmation Locked, Confirmation Failed or Expired. After you reach the total allowed within a 12-month period, we no longer allow you to add payment accounts without first confirming an existing payment account.

A: If you made a mistake when typing the account number, the routing transit number, or account type, you should add the payment account again using the correct information and confirm it. After the new account is confirmed, delete the account with the incorrect information.

A: Keep in mind that it can take up to a month for the payment account confirmation deposits and withdrawal to appear on your monthly statement. The account confirmation deposits and withdrawal are identified with ACCTCONFRM in the transaction description.

Some other ways that you can get this information are to check your account statement online or to call your financial institution and ask for the account confirmation deposit amounts.

If your financial institution has no record of the account confirmation deposits and withdrawal, go to the Payment Activity page to locate the account that shows confirmation deposits. Check this account number against the account number shown on your monthly statement or online statement. If the account numbers don't match, you can either confirm the payment account listed on the Payment Activity page or correct the payment account number.

To make the correction, add a new payment account with the correct account number on the My Profile - Payment Account Information page. After adding the new payment account, be sure to delete the incorrect account on the My Profile - Payment Account Information page.

A: You can make payments from an unconfirmed payment account up to the limit shown. You can confirm the account on the My Profile - Payment Account Information page. After you confirm a payment account, your payment limits are re-evaluated and you can use all the features of Payment Center.

If you are using an additional service to access Payment Center, you cannot make any payments from an unconfirmed payment account through the other service. You must first confirm the payment accounts you want to use with the service before scheduling payments. After confirming your payment account, it will be available in any of your additional services.

A: To change an unconfirmed payment account, you must add a new payment account with the correct information on the My Profile - Payment Account Information page. After the new payment account with the correct information is confirmed, delete the incorrect payment account.

A: This is for your protection in case someone is using your account without your authorization. When you confirm your account using information that only you or someone you authorize to use your account can know, then we re-evaluate and usually raise your payment limits.

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