Bill Payment Q&A

If you have questions about Bill Payment Service that are not answered below, please contact us.

Table of Contents

  1. When and how are the payments processed?
  2. What happens if I have a scheduled payment that falls over a weekend or holiday?
  3. Can I use Online Bill Payment if I live outside the U.S.?
  4. Can I get a copy of a cancelled check?
  5. How long is history retained in the View Payment History section?
  6. What happens if I lose or forget my Access ID or Access Password?
  7. How far in advance should I set up a payment to ensure it is paid on time?
  8. Are there minimum and maximum payment amounts?
  9. Can I have multiple payments to the same payee on the same day?
  10. Can I stop a payment?
  11. Whom can I pay through Online Bill Payment?
  12. What do the status fields indicate on the Payment History Page?
  13. How many payees may I have set up?
  14. Can I edit Payee addresses?
  15. How do I know if a payee is electronic or check?
  16. What payment frequencies are available?
  17. When can you edit the dollar amount on a scheduled recurring payment?
  18. Can I postdate recurring payments?
  19. Can I postdate a single payment?
  20. Will the memo field I fill out when setting up a payment be passed on to the payee?
  21. Are there any merchants that I cannot pay through the Bill Payment service?
  22. When will the money be taken out of my account?
  23. What if I do not have enough money in my account?
  24. How late in the day can I enter, edit, or delete a payment?
  25. Account Management
  26. Search Master Payee List
  27. Change Your Password
  28. Create New Unlisted Payee
  29. Delete Payee
  30. Download Payment Schedule
  31. Edit Payee
  32. Edit Payment
  33. Bill Payment History Report
  34. Detailed Payee Report
  35. Download Payment Schedule Results
  36. Payee Search Results
  37. Complete Payee
  38. Setup New Payment
  39. View Personal Payees
  40. Available Reports
  41. View Payment Schedule

When and how are the payments processed?

Payments submitted, recurring or one time, before 2:00 AM CST Monday–Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST. Payments received after 12:00 Noon CST on Monday–Thursday will be processed the next business day. Payments received after 12:00 Noon CST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.

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What happens if I have a scheduled payment that falls over a weekend or holiday?

If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

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Can I use Online Bill Payment if I live outside the U.S.?

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

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Can I get a copy of a cancelled check?

Yes. Find the check you want to print either in the Transaction listing or by using the Search Transactions option. To view the check, click on the check number link and this will bring up an image of the check. The check can then be printed by selecting the printer icon that appears in the upper left hand corner of the check or by using your browser's print option.

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How long is history retained in the View Payment History section?

Payment History records are kept for one year.

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What happens if I lose or forget my Access ID or Access Password?

At this time there is not a separate ID and Password for Bill Pay. If you lose/forget your ID or Password for Ozark Bank's Internet Banking, you may call Customer Service at 417–581–2321, and with proper verification, your ID or a temporary Pin will be given to you.

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How far in advance should I set up a payment to ensure it is paid on time?

For an ELECTRONIC PAYMENT, allow 3 to 4 business days from when the payment is submitted.

For a CHECK, it will be in the mail on the same day the payment is submitted, if it is entered before 12:00 Noon CST. (This is the same as if you wrote a check out of your checkbook, and put it in the mail on the same day). Allow 5 to 7 business days for a check payment.

Please note that we have no control over the U.S. Postal Service.

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Are there minimum and maximum payment amounts?

Electronic payments are validated against the account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through Bill Pay. You are limited only by the amount of funds in your account.

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Can I have multiple payments to the same payee on the same day?

At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

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Can I stop a payment?

Yes.

After the check is printed and mailed, your bill payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

Electronic Payments may not be stopped.

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Whom can I pay through Online Bill Payment?

You can pay ANYONE in the United States from the next door neighbor, to the utility company, to the bank, and even a child in college across the country.

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What do the status fields indicate on the Payment History Page?

Processed – The payment has been processed and sent.

Rejected NSF – The payment that you have tried sending has rejected due to Non–sufficient funds.

Communication Failure – There was an error due to communication problems.

Vendor Refund – Payment rejected at Princeton E–Com

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How many payees may I have set up?

There is no limit to the amount of payees you can set up through the internet.

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Can I edit Payee addresses?

No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.

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How do I know if a payee is electronic or check?

Once you have set up the payee, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the payee is electronic or check.

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What payment frequencies are available?

You can set up payments in any of the following frequencies:

  • Weekly
  • Bi–weekly
  • Monthly
  • Semi–monthly
  • Quarterly
  • Annually
  • Semi–annually

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When can you edit the dollar amount on a scheduled recurring payment?

You may edit the dollar amount the next business day after the scheduled payment date.

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Can I postdate recurring payments?

If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

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Can I postdate a single payment?

Yes. Just set the payment date for a valid future date.

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Will the memo field I fill out when setting up a payment be passed on to the payee?

Yes, your memo will appear on paper check bill payments.

The memo field is 40 characters long. Any amount over 40 characters will be cut off.

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Are there any merchants that I cannot pay through the Bill Payment service?

No. Any merchant that is in the electronic data base can be paid electronically. If a merchant is not on the list you may send the payment as a check.

We do not recommend paying government agencies for payments such as child support, alimony or checks to the I.R.S., because of limited resources to research such payments.

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When will the money be taken out of my account?

For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CST. Electronic payments submitted after 12:00 Noon CST are debited the next day during bill pay processing.

CHECK payment funds are debited from the account when the check is presented for processing at the bank.

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What if I do not have enough money in my account?

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to Princeton for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment all together or the funds are in the account to make the payment.

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How late in the day can I enter, edit, or delete a payment?

You may add, edit, or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and Noon CST it may be edited up until Noon CST.

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Account Management

To change your Password, click on "Change Password."

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Search Master Payee List

Enter the name of the payee you are searching for. You need only enter the first few characters of the payee. You may narrow your search by specifying a state as well.

Click on the button. You will be presented with a list of payees that match your search.

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Change Your Password

You can change your Password as often as you feel necessary and at any time. You may wish to change your Password periodically for your security.

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Create New Unlisted Payee

Enter your payee information. Click on the button.

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Delete Payee

Confirm that you want to delete this payee from your personal list by clicking .

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Download Payment Schedule

You can download your pending payments to import into a number of popular software packages.

To download payments:

  1. Select file format you want to download.
  2. Click .

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Edit Payee

Enter your payee information. Click when you are through.

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Edit Payment

To edit your payment, you may do any of the following in any combination:

  • Change the amount.
  • Change the memo. This memo will not appear on the check written to your payee but will be sent to the bank.

Select a new payment frequency:

  • One Time Payment
  • Weekly
  • Semi–Monthly
  • Monthly

Choose when you want the payment made by entering a date in the case of a one–time payment, or selecting days from the appropriate boxes in the case of a recurring payment.

For recurring payments, you should also enter a date to stop making the payment.

Click on the button to save the changes.

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Bill Payment History Report

Currently, payment history is kept for a year.

Payment Date

The date that the payment was made.

Pay to

The payee to whom this payment was made.

Amount

The amount of the payment.

Memo

The memo that you entered when you created the payment, if any.

Payment Type

Indicates whether this payment was made by check or electronically.

Status

The status column can contain the following values:

Payment Status Values
StatusDefinition
PENDING The payment has been processed, but not yet sent.
PROCESSED The payment has been processed and sent.
HOLD The payment has a research request on it. This usually means the payment is incomplete, but can be processed when the issue is resolved.
STOPPED Either you or the Bill Payment service have stopped the payment and the payment cannot be processed again.

Confirmation Number

This number can be used by our customer service representatives to research this payment.

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Detailed Payee Report

This is a list of your personal payees.

Available Payee Fields
ColumnDefinition
Payee Name The name of the person or company you are paying.
Address The address of the person or company you are paying.
City The city of the person or company you are paying.
State The state of the person or company you are paying.
Zip Code The zip code of the person or company you are paying.
Phone Number The phone number of the person or company you are paying.
Payment Type Electronic indicates that your payments will be sent to this payee electronically. Check indicates that your payments will be sent to this payee by check. In general electronic payments take 2 – 3 days to reach the payee. Checks take 7 – 10 days. You should take this into consideration when initiating a payment.

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Download Payment Schedule Results

To import the downloaded transactions into a software package on your computer, follow the instructions in the manual or online help facility for your software.

Generally speaking, the import procedure will follow one of two methods:

  • For some software packages, you need only click on the link to the downloaded data and your software will do the rest. A window will appear on your screen either telling you that the data was imported or asking you if you want to import the data. Newer versions of Quicken and Money, as well as some newer word processors and spreadsheets work this way.
  • Other software packages require you to save the transactions in a file on your disk, and then open this file once you have started your software. The command to open the file is usually under the File menu and is marked Open... or Import... Older versions of Quicken and Money (and most word processors and spreadsheets) work this way.

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Payee Search Results

If you find your payee in the list, click on the checkmark to select it.

If your payee was not found, you may add your payee to the list by clicking on Create Unlisted Payee.

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Complete Payee

Enter your payee information. Click on the button.

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Setup New Payment

Fill out the check at the top of the page:

  • Select payee from drop down menu.
  • Fill in the amount.
  • Fill in the memo. This memo will appear on the check written to your payee.The field is 40 characters long. Any characters over 40 will be cut off.

Select the payment frequency:

  • One Time Payment
  • Weekly
  • Bi–Weekly
  • Semi–Monthly
  • Monthly
  • Quarterly
  • Annually
  • Semi–annually

Choose when you want the payment made by entering a date in the case of a one–time payment, or selecting days from the appropriate boxes in the case of a recurring payment.

For recurring payments, you should also enter a date to stop making the payment in the 'Last Payment Date' field.

Click on the button to save the new payment.Your personal payment schedule will appear with the new payment added.

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View Personal Payees

This is a list of your personal payees. To edit a payee, click the Edit Payee icon. To delete a payee click the Delete Payee icon.

ColumnDefinition
Payment Account ID This number can be used by our customer service representatives to research your payments.
Account Name The name of the person or company you are paying.
Account Number Your account number with this payee.
Description The information you entered to help you identify this payee. This field may be blank.
Payment Type Electronic indicates that your payments will be sent to this payee electronically. Check indicates that your payments will be sent to this payee by check. In general electronic payments take 2 – 3 days to reach the payee. Checks take 7 – 10 days. You should take this into consideration when initiating a payment.

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Available Reports

Select your history report from one of the following:

  • The current month's activity
  • A specified date range

You may narrow the report to include only transactions from a specific payee.

You may also sort the report by date or payee name:

Date Payee Name

Click on the button to show the report.

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View Payment Schedule

Find the payment you wish to delete or modify. Click on the Delete Payment icon to delete the payment. Confirm the deletion by clicking the button.

Or

Click on the Edit Payment icon to edit your payment

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