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You can pay most e-bills automatically using Payment Center's feature Auto-Pay. Auto-Pay automatically pays e-bills when you receive them—you do not have to pay e-bills separately. E-bills that are paid automatically are exactly like other payments you schedule. The paid e-bill is listed on the Paid E-bills page, and the scheduled and processed e-bill payments are listed on Payment Activity.

You can set up Auto-Pay when you add a payee or update the payee to use Auto-Pay at a later time. Auto-Pay works in the following way:

• Payment Center automatically schedules the e-bill to be paid by the e-bill's due date.
• The minimum amount due is paid. If you want to pay off an account, you may need to make a separate payment through the Make Payments - Single Payment or Make Payments - Multiple Payments page. For example, if you use Auto-Pay to pay a credit card bill, only the minimum amount that is billed is paid, and you may continue to have a balance on your credit card for which you would owe interest. Make another payment to the credit card payee if you want to pay off the entire account balance.
• You have a choice to either pay the e-bill every time, regardless of the amount due, or to set a maximum limit on the amount to be paid automatically. If the minimum amount due exceeds the limit, the e-bill is not paid; instead, you receive a message letting you know that the e-bill is over the maximum amount. In this case, you can view the e-bill, change the payment amount, and pay it through the Unpaid E-bills page.

Note
If a payee sends an e-bill late and the actual due date is before the earliest available payment date (remember Payment Center needs a few days to process payments), Auto-Pay schedules the payment for the earliest possible payment date. Please contact your payee if an e-bill arrives late and you are charged a late fee.

 Tip
Read through our list of frequently asked Auto-Pay questions for more information about how Auto-Pay works.

Payment Center can automatically pay your e-bills if you select Auto-Pay. You have the option to select Auto-Pay when you request e-bills from a payee, either when adding a new e-bill-capable payee or when signing up for e-bill service. You also have the option at any time to turn on Auto-Pay for a payee that already sends you e-bills. The next e-bill you receive from the payee will be automatically paid.

Auto-Pay payments cannot be set up to be withdrawn from an unconfirmed payment account.

Note
If you are still waiting for e-bill service to be activated for the payee, and you chose not to activate Auto-Pay when you signed up for e-bill service, you must wait until you begin receiving e-bills before you can set up Auto-Pay.

 To set up Auto-Pay when you sign up for e-bills:

1. Go to Payee Setup and follow the steps for requesting e-bills.
2. Find the Auto-Pay section of the Payee Setup - Request E-bills page.
3. In Would you like to Auto-Pay e-bills received from this payee?, select Yes.
4. In the Auto-Pay section:
   • Click Always Pay the E-bill to have the minimum amount due paid automatically for each e-bill.
   • Click Only Pay E-bills Less Than This Amount to set a maximum amount that is paid automatically, and type a maximum amount in the box. E-bills with an amount due over this limit are not paid, and you receive a message letting you know the minimum amount due is more than the amount you set as your limit. Make the payment from the Unpaid E-bills page.
5. In Auto-Pay From This Payment Account, select the payment account from which you would like the e-bills paid.
   Note: Auto-Pay payments can only be withdrawn from confirmed a payment account. Go to the My Profile - Payment Account page to confirm a payment account.
6. Click Continue.
   The Payee Setup - Request E-bills Confirmation page opens.
7. Review your information and click Send Request.
   The Payee Setup - Request E-bills Completed page opens. Auto-Pay will pay the first e-bill you receive from the payee.

 Tip
After you select Auto-Pay, appears on the Payee Setup - Payee List page next to the payee name to let you know that you have turned on Auto-Pay for this payee.

  To set up Auto-Pay after you've requested e-bills:

1. Go to Payee Setup.
   The Payee Setup - Payee List page opens.
2. Click View/Change next to the payee you want to Auto-Pay.
   The Payee Setup - View/Change Payee Information page opens.
3. Find the Auto-Pay section of this page.
4. In Would you like to Auto-Pay e-bills received from this payee?, select Yes.
5. In the Auto-Pay Information section:
   • Click Always Pay the E-bill to have the minimum amount due paid automatically for each e-bill.
   • Click Only Pay E-bills Less Than This Amount to set a maximum amount that is paid automatically, and type a maximum amount in the box. E-bills with an amount due over this limit are not paid, and you receive a message letting you know the minimum amount due is more than the amount you set as your limit. Make the payment from the Unpaid E-bills page.
6. In Auto-Pay From This Payment Account, select the payment account from which you would like the e-bills paid.
   Note: Auto-Pay payments can only be withdrawn from confirmed a payment account. Go to the My Profile - Payment Account page to confirm a payment account.
7. Click Continue.
   The Payee Setup - Change Payee Confirmation page opens.
8. Review your changes and click Save Changes.
   The Payee Setup - Payee List page opens. appears next to the payee name to let you know that you have turned on Auto-Pay for this payee.

You can change your Auto-Pay settings for a payee who sends you e-bills at any time. For example, you can change your limit for the maximum amount automatically paid.

 To change Auto-Pay settings:

1. Go to Payee Setup.
   The Payee Setup - Payee List page opens.
2. Click View/Change next to the payee you want to change Auto-Pay settings for.
   The Payee Setup - View/Change Payee Information page opens.
3. Find the Auto-Pay section of the View/Change Payee Information page.
4. Make your changes to the Auto-Pay settings.
5. Click Continue.
   The Payee Setup - Change Payee Confirmation page opens.
6. Review your changes and click Save Changes.
   The Payee Setup - Payee List page opens and your new settings are saved.

After canceling Auto-Pay, remember to schedule and pay any unpaid and future e-bills from this payee.

 To cancel Auto-Pay:

1. Go to Payee Setup.
   The Payee Setup - Payee List page opens.
2. Click View/Change next to the payee you want to cancel Auto-Pay for.
   The Payee Setup - View/Change Payee Information page opens.
3. Find the Auto-Pay section of the View/Change Payee Information page.
4. In Would you like to Auto-Pay e-bills received from this payee, select No.
5. Click Continue.
   The Payee Setup - Change Payee Confirmation.
6. Review your changes and click Save Changes.
   The Payee Setup - Payee List page opens. The e-bills from this payee are no longer automatically paid.