Farmers Bank of Northern Missouri
Understanding Bill Pay
Farmers Bank of Northern offers secure Bill Pay. We will write and mail the check for you from Unionville, Missouri. The check will use our account number, not yours. It will use our address, not yours. It will have our signature on it, not yours. The only information on the check that is related to you is your name and the invoice/account number you supplied about the company being paid. This helps protect your private information.
We mail a check to pay your bill, so please be aware that holidays/weekends may slow your payment down through the Post Office. The funds are taken out of your account to start the process, and the check is mailed from our clearing account. If the check does not clear in a reasonable amount of time, we will attempt to contact you. Please DO NOT wait for the last day that the bill is due to issue your payment -- give at least 5 days + weekends + holidays so the bill has time to arrive at its destination through the mail. It is extremely important to verify the payee’s mailing address you entered so the payment will not be returned to Farmers Bank in Unionville by the Post Office if the address is incorrect. This could cause your payment to be late, and your creditor may charge you late fees if your payment doesn’t arrive on time.
After entering Online Banking and selecting your account, find the Payments button. This button will have two options: “New Scheduled Payment” and “Payment List”. It is our suggestion to start and end Bill Pay by viewing the “Payment List” each time. This list will show you each Payee you have set up. It will also show you if a payment is active and ready to process by giving you the date and amount of the payment.
To change a payee record, click the empty box beside the payee name. The date and amount fields will appear on the right. You may select as many payees as you wish. Enter the date and amount to be paid for all entries and press the Next button. Review the changes and press the submit button to receive your confirmation number for the changes made. Now go back to the Payment List to review all of your payments. If you discover an error, you can edit the payment, click next and submit, and review the payment again. The payment will be available to change or delete until the payment date.
If you need to change the address or other data for the payee, you will need to click on the payee name. You can make this change at any time without making the payment active. You can also delete the payee and create a New Scheduled Payment.
It has come to our attention of a situation where you may wish to pay two invoices to the same payee. Example: You would like two checks to go to the water company. One for the monthly bill and another to the fund raiser they are collecting for. You select the Water Company payee and enter the date and amount of the water bill. Click next and submit and receive your confirmation number of the change made. Go to “Payment List” and you will see the amount and date listed showing it is ready to process. If you were to select the payee again, you will only be changing the payment you just updated. Remember, the payment can be changed, updated or deleted until the payment is processed. In this case, you would have two options. You could create a new “New Schedule Payment” so you will have two payees in your list. Your second option is to wait for the first payment to pay, and on the next day make changes to it to create the next payment.
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