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Frequently Asked Questions about Interra Bill Pay
Accessing Interra Bill Pay
How do I access Interra Bill Pay?
You can register for and access Interra Bill Pay via Interra Online banking. Register for Interra Online Banking if you are not a current user.
Do I have a separate password for Interra Bill Pay?
No. Once you login to Interra Online banking, you are be able to access Interra Bill Pay.
How does Interra Bill Pay work?
- To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.
- After you add your bill, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Tip: When you enter an amount, Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.
- You can pay as many bills as you want at the same time from the Payment Center.
- After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
- The Pending Payments section provides a quick summary of the payments that have not been processed yet.
- The Recent Payments section provides a list of the bills that have been paid in the past 45 days.
- You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.
- If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the enhanced bill pay system, up to six months, including electronic bills and the bills that you pay automatically.
Who do I contact if I have questions or concerns?
You will find the “Help” feature within Interra Bill Pay a valuable resource. You may reach the 24/7 customer service hotline at 866.820.7990.
How can I learn more about Interra Bill Pay?
View an online demonstration of Interra Bill Pay.
Watch an informative bill pay video.
Payments
Who can I pay using Interra Bill Pay?
You can pay virtually anyone in the United States or its territories that you would normally pay by check or automatic debit; even if you do not receive bills from the company or person you want to pay. Please do not use Interra Bill Pay to pay state and federal tax payments and/or court-ordered payments.
Do I need to contact each of my billers and let them know that I am going to be using an automated bill pay system to pay them?
No. This is not necessary.
How are payments delivered to payees?
Payees are businesses or individuals to whom you are making a payment. Payments you make through Interra Bill Pay are delivered in one of two ways:
- Most payments are delivered electronically. Payees who are paid in this way receive your payment information, including your account number, through secure electronic transmission.
- All other payments are made by a paper check that is issued and mailed to the payee.
How will I know when my payment will be made?
A handy calendar will allow you to schedule your payment easily and accurately. Depending on the company, you can either schedule payments to take place as early as the next day, or for many, you’ll want to schedule your payment date two to four business days prior to the bill's due date. The funds will be withdrawn from your account on the date you specify. These payment schedules give you maximum usage of your funds, especially since your checking account at Interra is dividend-bearing. However, you should be careful to rely on your checkbook register balance, rather than a daily online or phone balance, to ensure sufficient funds remain in your account to cover your bill payments and avoid non-sufficient funds notices and fees.
How can I edit a pending payment?
To edit a pending payment, click on Edit. Changes allowed include payment date, payment amount and payment account.
When will my payments be deducted from my account?
You can count on the deduction to take place on the due date, but not before the due date. Refer to the calendar within Interra Bill Pay, which will provide you with the information.
How can I identify an automatic payment? Can changes be made to an automatic payment?
If automatic payments have been established for a biller the icon will appear next to the biller’s name. By clicking on the icon, or accessing the biller through the Manage My Bills page, you can make changes to the automatic payment. Any changes made affect all current and future payments that are scheduled as automatic payments.
e-bills
What is an e-bill?
An e-bill is an electronic version of your payee’s monthly statement. You can request an e-bill from any of 370 merchants to be posted monthly to your Interra Bill Pay account.
Can I pay my e-bills automatically with Interra Bill Pay?
Yes. You can set up the full amount to be paid automatically, unless you set a maximum amount. Amount due is either the amount of the bill, such as a telephone bill, or the minimum payment on a credit card.
How will I know that a biller can send e-bills?
If a biller is able to send e-bills, then you will see “Add an electronic version of my bill” as on option when setting up the biller. If you do not chose to add an e-bill at that time, you can do so at a later date in the “Manage My Bills” section. If you have signed up to receive e-bills from a biller, you will see the e-bill icon next to the biller’s name in the Payment Center.
How can I learn more about e-bills?
Learn more about how e-bills work.
Browse companies that offer e-bills.
History
How long can I view history on my account?
The Interra Bill Pay system will keep six months of payment and transaction history for you from the day you log on to the new system.
Where can I view my bill history?
The View Bill History feature is located on the Payment Center under the Recent Payments Module near the bottom of the page. Once in the View Bill History section, the columns can be sorted simply by clicking the column headers. For example, you can click on the heading Amount and the data will be sorted by the dollar amount.
Can I view my bill history for a specific biller?
Yes, on the View Bill History screen you can click on the Biller Name column header to sort the billers alphabetically and group all payments made to that biller for the selected time frame.
Security/Help
How secure is my bill payment and personal information?
Bill Pay uses several methods to ensure that your information is secure:
- SSL—Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
- Encryption—Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
- Automatic Sign Out—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 Bill Pay.
When I click on the Interra Bill Pay button in Interra Online, nothing happens. How can I access Bill Pay?
On some computer systems, the Interra Bill Pay site may be interpreted as a "pop-up." If you are running Windows XP with Service Pack 2, Internet Explorer has a pop-up blocker that prevents most pop-up windows from opening. By default, the pop-up blocker is turned on, but it can be turned off.
To determine if SP 2 is installed:
To determine if SP 2 is installed:
- Right click on My Computer
- Select Properties
- The General tab lists the version of Windows and if Service Pack 2 is installed.
If you do not have Service Pack 2 installed, other add-on pop-up software is preventing our Bill Pay service from opening.
With Service Pack 2, the Pop-up Blocker may be turned off by:
- Clicking on Start, pointing to All Programs, and then clicking on Internet Explorer.
- On the Tools menu, click Internet Options.
- Click the Privacy tab, and then unselect the Block pop-ups checkbox.
- Click Apply, and then click OK.
If you do not want to completely disable the pop-up blocker, you can override the blocker for a specific website by keeping the Control (CTRL) key pressed while clicking on the pop-up window's link. For example, hold the Control key and click Log In to Interra Bill Pay.
Can I use assistive technology to access Bill Pay?
Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make Bill Pay more accessible to assistive technology users.
Supported Browsers – Effective October 2009
PC Platform
| Windows XP | Windows Vista | |
| Certified | Internet Explorer 7.x | |
| Supported |
Internet Explorer 6.x
Mozilla Firefox 3.0.x
|
Internet Explorer 7.x
Mozilla Firefox 3.0.x
|
| Allowed |
Internet Explorer 8.x
Mozilla Firefox 3.5
JAWS 10.0
|
Internet Explorer 8.x
Mozilla Firefox 3.5
JAWS 10.0
|
| Blocked |
Compuserv (Win 98, Win 2000, XP) Netscape
|
Compuserv
(Win 98, Win 2000, XP) Netscape |
Macintosh Platform
|
OS X 10.5
|
OS X 10.4
|
|
| Certified | ||
| Supported | Safari 4.0 | |
| Allowed |
Mozilla Firefox 3.0.x
Mozilla Firefox 3.5
Safari 3.2
|
Safari 3.2
Safari 4.0
|
| Blocked | All Microsoft IE | All Microsoft IE |
While other browsers may work with Interra Bill Pay, these supported browsers provide the highest level of security, accuracy, and functionality.
We also recommend that you enable JavaScript in your browser. JavaScript is required for certain Bill Pay features to function properly.
Do I need any special software or hardware to use Interra Bill Pay?
Your browser needs to be capable of 128-bit U.S. security encryption. This is sometimes referred to as 128-bit strong encryption. If you do not have sufficient browser encryption you will receive an “Insufficient Browser Encryption” error message when you try and log on to Interra Bill Pay. In addition to the error message, you will be provided with links where you can obtain the required browser versions.
If the font appears too large (or too small) when I access Interra Bill Pay, what do I do to fix it?
This problem may be a result of your browser settings. For problems with font sizes, follow these steps:
- Click on Start and click on Internet Explorer.
- Click Tools on the top menu list.
- Click Internet Options.
- Go to lower right portion of Internet Options page and click Accessibility.
- Click the third check box Ignore font sizes specified on Web pages and then click OK.
- Click OK on Internet Options page.
What should I do when my address changes?
If you move and/or change your address, please promptly notify Interra Credit Union. To change your e-mail and/or your mailing address, please go to other options in Interra Online banking and click on your selection. You may also process the change(s) at any Interra office.
Where do I find the Interra Bill Pay Terms and Conditions?
To view the Bill Pay Terms and Conditions, click here.
Bill Pay Terminology
Some of the terms can be confusing. Here is a quick reference guide:
Service: the bill payment service offered by Interra Credit Union through interracu.com, offered by Interra Credit Union.
Agreement: 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 provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).
Payment account: the checking account from which bill payments will be debited.
Business day: is every Monday through Friday, excluding Federal Reserve holidays.
Scheduled payment date: the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day, in which case it will be considered to be the previous Business Day.
Due date: the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.
Scheduled payment: a payment that has been scheduled through the Service but processing has not begun.
Each account insured up to $250,000 by American Share Insurance. By members' choice, this institution is not federally insured. Learn more about American Share Insurance.
