Vectra Bank Colorado

Bill Pay

Bill Pay

Never worry about payments arriving late again.

Bill Pay Frequently Asked Questions

Review the questions below to learn more about paying bills online and see how easy paying bills can be.

What is Bill Pay?

Bill Pay is a service offered by Vectra Bank Colorado Online Banking that allows you to set up online bill payments to just about any company or person. You select which person or company you want to pay, and your Online Bill Pay service allows you to choose the date you want for a bill to be paid.

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What are additional features of the Online Bill Pay service?

You can add a biller, review your pending payments, check bill reminders, and view your e–Bills and more from one easy–to–navigate payment center. You can also choose to view “Bill History” and “Manage Your Bills” – all using the tabs at the top of the Bill Pay screen.

To add more convenience and control over your finances, Online Bill Pay allows you to select the date when you would like your biller to receive the funds.

Additionally, with e–Bills, you can elect to receive actual copies of your merchant bills directly through the Online Bill Pay. You no longer have to wait to receive bills in the mail or log into your biller’s site. e–Bills are available from hundreds of companies, including major utilities and retailers nationwide, so you can unify and centralize your bill paying.

Also, you will automatically receive temporary “trial e–Bill” service from certain payees. With “trial e–Bills” you can try out a payee’s e–Bills (while still receiving paper invoices) before deciding whether you want to enroll in paperless e–Bills from that payee.

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Who Can Use Bill Pay?

An eligible Vectra Bank Colorado personal or small business checking and or money market account is required to enroll for Online Banking with Bill Pay. A Business Online Banking user must either (a) be a CSA (Customer System Administrator), or (b) be granted Bill Pay entitlements by a CSA. The service is not offered to minors unless the minor is using an account in the minor’s name with a parent or guardian as a co–signer or grantor.

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How much does Bill Pay cost?

For Personal Online Banking, there’s no charge to enroll in Bill Pay and no monthly service fee! Business customers will be charged the fees set forth in the Business Account Terms fee schedule included in or supplementing their business online banking agreement or deposit account agreement and available here.

To expedite payments, certain fees apply, in addition to any fees for your Bill Pay service account. Please refer to the Account Terms for more information by clicking here

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What is a “Biller”?

Also known as a Payee, a Biller is any company or person you would like to pay using the Online Bill Pay service.

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What are e–Bills and how do they work?

With e–Bills, you can now choose to receive actual copies of select merchant bills directly through Online Bill Pay. You will no longer have to wait to receive your bills in the mail or log into your Biller’s site. e-Bills will be available from hundreds of companies, including major utilities and retailers nationwide.

Also, you will automatically receive temporary “trial e–Bill” service from certain payees. With “trial e–Bills” you can try out a payee’s e–Bills (while still receiving paper invoices) before deciding whether you want to enroll in paperless e–Bills from that payee.

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Do I need to sign up with the merchant to receive e–Bills?

No, you have the ability to sign up for e–Bills for select merchants directly from within Online Bill Pay.

Also, you will automatically receive temporary “trial e–Bill” service from certain payees. With “trial e–Bills” you can try out a payee’s e–Bills (while still receiving paper invoices) before deciding whether you want to enroll in paperless e–Bills from that payee.

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Will I continue to receive paper statements from the merchant once I enroll in
e–Bills?

There may be some overlap from the time you sign up for e–Bills and the time the merchant stops sending a paper statement via U.S. mail. However, after signing up for the service, you will only receive that merchant’s statements via e–Bill. If you continue to receive paper statements, you will need to contact the merchant and request that paper statement no longer be distributed to you.

Also, you will automatically receive temporary “trial e–Bill” service from certain payees. With “trial e–Bills” you can try out a payee’s e–Bills (while still receiving paper invoices) before deciding whether you want to enroll in paperless e–Bills from that payee.

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How do I view and pay my e–Bills?

Merchants offering e–Bills will appear in the Payment Center with a “Get Bill” icon to the left hand side of the biller name. To pay an e–Bill, click on the icon and follow the on screen instructions to view and pay your e–Bill. You can instruct us to pay that particular e–Bill or automatically pay all e–Bills that come from that Biller.

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Can I be notified about a scheduled payment once it has been paid?

You can set up “Reminders” on billers and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent. You can also view the status of recent payments in the Payment Center “Recent Payments” section, and view payment history on the Bill Activity page.

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What accounts can I use with Bill Pay?

Vectra Bank Colorado customers with an open and active checking and/or money market account can use the Online Bill Pay service.

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How are my payments sent to Billers?

Payments made through the Online Bill Pay service are processed either electronically, by a “corporate check” that our third party service provider draws against its own account, or by a “laser draft” that our third party service provider draws against your account with us. Funds for an electronic payment are deducted from your account when the electronic payment processes. Funds for a corporate check payment are generally deducted from your account on the date you scheduled for your payment, (but can be deducted earlier if the check arrives and is deposited early). Funds for a laser draft payment are deducted from your account when the laser draft is presented to us for payment.

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How will I know if a payment is made electronically, or by “corporate check”,
or by “laser draft”?

When you are scheduling a payment, the dynamic payment calendar allows you to pick your first available pay date. For electronic payments, the first available pay date in most cases will show as the next business day. For check payments, the next available pay date will typically display 2–5 business days from the current date.

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Where can I find my last payment amount/date for a Biller I have recently paid?

You may find Recent Payments in the lower right hand side of the Payment Canter. To view payments older than 45 days click on View Bill History and select date range.

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What is the Pay Today link within the new Payment Center?

Pay Today initiates a same day expedited payment with an associated fee. For normal payment scheduling use the dynamic calendar to select a desired payment date and click Make a Payment.

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Can I schedule a Bill Payment for a weekend or holiday?

No. Within Online and Mobile Banking Bill Pay, only business days will show as available pay dates. If you have a recurring payment that falls on a weekend or federal holiday that payment will automatically be adjusted to the closest previous business day. For example, if your recurring payment is scheduled for Saturday, it will automatically be rescheduled for the Friday before.

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Can I change or cancel my scheduled bill payment?

You may change or cancel any payment that is in a “Pending” status up until payment processing begins. You may review your previously scheduled or pending payments in the “Pending Payments” box within the Payment Center. For other information regarding cancelling payments or stopping payment, please refer to the Bill Pay Service Agreement by clicking here.

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How far in advance can I schedule a payment?

You can schedule a payment up to one year in advance.

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What if I still have more questions about Vectra Bank Colorado Online Bill Pay?

If you still have questions regarding Vectra Bank Colorado’s Online Bill Pay, please call us at 1-800-884-6725 or visit us at a branch today!

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