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Getting Started with Billpayer!

What you need!
Before paying bills online, you’ll have to fill out the ebankCBT Application and Billpayer Application. Fill out the applications and bring them into any Citizens Bank and Trust branch in person. The access and transfer functions of ebankCBT are free. The first three months of Billpayer are free, and then it costs $5.95 per month, plus 35 cents for each payment after the first ten.

To use ebankCBT Billpayer, all you need is Internet access and a browser with 128-bit encryption, like recent versions of Netscape’s “Navigator” or Microsoft’s “Explorer” or WebTV. If you’re not sure if your version of your browser has 128-bit encryption, don’t worry. Our web site can test it for you and point you to where you can download the newest Netscape or Microsoft browser for free.

Getting Started with Billpayer!
After you turn in your application forms and we’ve had a couple days to process them, you should receive email from ebankhelp-at-cbcfamily.com that informs you of your ebankCBT ID number and what you need to know for your ebankCBT PIN (password).

Note that you’ll have separate IDs and PINs for ebankCBT account access and for Billpayer. To access your ebankCBT accounts, follow the instructions in Getting Started with ebankCBT, which tells you how to log in, check your balance, and transfer funds, among other things.

Once you have a handle on viewing your accounts, it’s time to start using Billpayer. In the upper right of each ebankCBT internet page, you’ll see “Bill Payment” and a drop-down box that says “view schedule.” Click on “view schedule” and you’ll see several options. To choose one, click on it and then click GO to the right of it.

Set Up a New Payee!
You need to set up the people and organizations that you wish to pay. In the upper right corner of your browser, you should see “Bill Payment” and a drop-down box that says “view schedule.” Click once on “view schedule” and you’ll get a list of choices.

Select “new payee” and click on the GO button to the right. If this is your first time using a Billpayer page, you’ll be prompted for your Billpayer ID and PIN. Enter them and click "Login." When the “Add Payee” page comes up, you’ll see boxes for “Payee Name” and “Payee State.” Click on each box and enter the name of the payee and the state of the payee’s mailing address. Then click on "Search for Payee." The system will attempt to locate your payee in its records.

If the system finds matches for your payee, you can choose among them, or choose none of them by clicking on “Create Unlisted Payee” in the upper right corner.

If you click the "Create Unlisted Payee" button, you should then see several boxes to type in the payee’s information. Type in the name, address, phone number, your account number (like your credit card number if it’s a credit card company you’re setting up, or a mortgage account number if the payee is your mortgage lender). If you don’t have any type of account number with the payee (like if it’s a friend or relative), you can just type in “1111” or anything you like. The "description" field is optional. Then click "Save New Payee."

You should then see a list of all the payees you have set up. To change one of them, click the “Edit” button. To delete a payee, click the “Delete” button.

IMPORTANT: You must enter the correct account number!
If you are setting up a payee with which you have an account number, it is really important that you get the account number correct. When the payee receives a payment, the payee will use that account number to credit your account. You have an account number on the bill for all your utilities, so be sure you locate it on your bill.

Set Up a New Payment!
To set up a payment, click once on “view schedule” under “Bill Payment” and select “new payment.” Then click the GO button next to it on the right.

You should see the “Setup New Payment” screen, with boxes for “Pay to,” $, Memo, and a set of boxes that allow you to make it a one time payment, or schedule it to repeat as you like. The “Pay to” box has a drop down menu that shows all of the payees you’ve set up. Enter the amount of the payment in the $ boxes, with the dollar amount in the left box and the cents in the right box. Enter any information in “Memo” that you or the payee will need to clarify the purpose of the payment (like “November car payment” or “Payback for lunch, Mary”).

You can schedule the payment to happen only one time by leaving the default “One Time Payment.” You can set it to pay today or any date in the future. If it’s a recurring payment that you have to make regularly for the same amount, you may set up the payment to repeat weekly, semi-monthly, or monthly. Click on the circular button to the left of the choice you want, select the choice you want in the drop down box for the day of the week or date(s) of the month, and enter the “Stop payments on” date in the format shown: “mm/dd/yyyy” where “mm” is the two digit month, “dd” is the two digit date, and “yyyy” is the four digit year. For instance, Christmas in 2001 would be 12/31/2001. Or you can use the calendar button to choose the date from the online calendar.

Then click the "Submit Payment" button. You'll then see the “Personal Payment Schedule” page showing a list of all the payments you have scheduled. Repeating payments will show only the next scheduled payment, rather than every time that payment will be made.

Allow 5 business days for payments to reach the payee. So if your payment is due on the 10th, you should schedule it to pay on the 3rd. Add an extra day if there's a holiday.

Edit or Delete a Scheduled Payment!
If you want to change or cancel a scheduled payment that has not been paid yet, click once on “view schedule” under “Bill Payment” and then click GO. You should then see the “Personal Payment Schedule” page showing a list of all the payments you have scheduled. To delete a payment, simply click the X in the delete column for the payment you want to delete.

To edit a payment, click the edit icon next to the payment you wish to edit. You should then see the “Edit Payment” page. You can change anything about a payment except the payee. If you accidentally created a payment for the wrong payee, you must delete the payment and recreate it.

View Your Payment History!
To view the Billpayer payments you’ve already made, click on “view schedule” under “Bill Payment,” and select “payment history.” Then click GO. You can then select the payments made in the current month (since your last bank statement) or all the payments between two dates of your choice. You can view payments made up to one year ago. You may optionally choose to show payments made to a particular payee using the dropdown box provided.

If You Have Questions. . .
Call Billpayer customer service toll-free at 1-866-211-1502. Or . Please do not include sensitive personal information like account numbers, passwords or Social Security Numbers in your e-mail. All we need is your name and phone number.

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