How To Pay Bills Online With Grow Financial

Paying your bills on time each month is an important part of managing your finances responsibly. Grow Financial offers a convenient online bill pay service that lets you quickly pay bills from your computer or mobile device. Read on to learn how Grow Financial’s online bill pay works and how to get started paying bills online.

Overview Of Grow Financial Online Bill Pay

With Grow Financial online bill pay, you can pay almost any company, merchant or service provider electronically through your online banking account It’s a fast, easy way to stay on top of monthly bills without having to write and mail paper checks

Key features include

• Pay bills from your checking account
• Schedule one-time or recurring payments
• Receive and view electronic bills (eBills)
• Make expedited same-day payments for an extra fee
• Accessible on your computer, phone or tablet

You’ll save time and money on stamps by switching to online bill payment. Payments can be made to local service providers credit cards, loan payments insurance policies, utilities, subscriptions, and more.

Getting Started With Online Bill Pay

Using Grow Financial’s online bill pay requires an eligible checking account and enrollment in online banking. Follow these steps to begin:

1. Open a checking account

You need a Grow Financial checking account in order to use the online bill pay service. Open one online or visit a branch.

2. Enroll in online banking

If you don’t have online banking yet, enroll at GrowFinancial.org. You’ll create a username and password.

3. Access the bill pay portal

Once logged into your online banking account, select the “Pay Bills” tab to access the online bill pay portal.

4. Set up payees

Add the companies and accounts you want to pay by entering names, addresses, account numbers, etc. These become your “payees”.

5. Schedule payments

Pick payees, payment amount, delivery date, frequency, and payment method for each bill. Review then submit.

It’s that easy! Now your important bills will be paid automatically on time.

Paying Bills Through Grow Financial Online Bill Pay

Once signed up, here are some tips for seamlessly paying your bills online:

• Allow lead time – For new payees, schedule a payment at least 5 business days in advance for the first payment.

• Check delivery speed – Standard electronic payments take 2-3 business days. Instant payments cost $10.95 each.

• Watch for notifications – The system will alert you if any scheduled payments fail.

• Manage payees – Update payee info if accounts change. Delete payees you no longer need.

• Review history – Check past payments and scheduled future payments under “Payment Activity”.

• Check balances – Log into online banking to confirm your checking balance can cover scheduled payments.

• Receive eBills – For eligible payees, enroll in eBills to view statements electronically through online bill pay.

Paying bills through Grow Financial online banking is secure, convenient, and helps avoid late fees. Give it a try today!

Types Of Payments You Can Schedule

Grow Financial online bill pay allows you to schedule one-time or recurring payments to thousands of payees. Common types of payments include:

• Credit cards – Visa, Mastercard, American Express, Discover, department store cards

• Utilities – electricity, gas, water, cable, internet, phone

• Insurance – auto, health, home, life, renters

• Loans – mortgage, auto, personal, student

• Government – income taxes, property taxes

• Subscriptions – magazines, streaming services, toll programs, clubs

• Medical – doctors, dentists, hospitals, labs, clinics

• Education – childcare, tuition, student loans

• Housing – rent, HOA dues, lawn service, home warranty

• Charities – donations to nonprofits, religious organizations

• Retail – department stores, furniture, electronics, specialty shops

• Other bills – gym membership, alarm system, pest control, pet services

Payment Scheduling With Grow Financial Bill Pay

When setting up new payments in Grow Financial’s online bill payment system, you have flexibility in payment frequency and delivery options:

One-time payment – A single payment on the date you specify

Recurring payment – Automatic payment on a fixed schedule (weekly, bi-weekly, monthly etc)

Future-dated payment – A single payment on a future date of your choosing

Expedited payment – Instant transfer for a $10.95 fee, deducted from your account

For a small convenience fee, you also have the option to process payments immediately through an electronic debit from your Grow Financial checking account, rather than waiting for the payment to process in the next 1-2 business days. This can be helpful if you forgot to schedule a payment on time.

The standard delivery time for regular online bill payments is 2-3 business days. Schedule payments at least 5 days ahead for new payees to allow for address verification.

Always check your account balance to confirm available funds before scheduling bill payments. Overdraft fees can apply if your account balance is insufficient to cover payments.

Payment Processing Timeframes

Grow Financial begins processing online bill payments you schedule each business day at 9:00 AM EST. Payments to payees who can receive electronic payments will arrive typically in 2 business days. Here are more details:

• Standard payments – Arrive in 2 business days when scheduled before 9:00 AM EST

• New payees – May take up to 5 days for the first payment

• Expedited payments – Arrive same day if scheduled before 2:00 PM EST (fee applies)

• Weekends/holidays – No payment processing on Saturdays, Sundays, or federal holidays

• Checks – Allow 5-7 days for payees paid by paper check

Be sure to pick a “Deliver By” date that considers processing timeframes, postal delivery if applicable, and your actual bill due date. The online bill pay system will warn you if the delivery date results in late payments.

Get ahead by scheduling recurring payments right when you receive a bill or at least 5-7 days before the due date. Grow Financial online bill pay makes it painless to stay organized.

eBill Delivery Through Online Bill Pay

For many of your monthly bills, Grow Financial’s online bill pay system gives you the option to receive statements electronically through eBills rather than by mail. eBills save time and reduce clutter.

With eBills:

• Electronic statements are securely stored in the bill pay portal

• Receive email notifications when new eBills arrive

• View account balances and payment due dates

• Pay the bill immediately or schedule future payments

• Reduce risk of stolen mail and fraud

• No need for paper filing, shredded or downloaded PDF statements

To enroll for eBills with a payee, select the “Go Paperless” button when managing that payee in the bill pay portal. You’ll provide authorization and begin receiving electronic statements with your next billing cycle.

Go paperless with eBills and simplify bill management each month.

Payment Tracking In Grow Financial Bill Pay

Wondering if a scheduled bill payment went through or when that payment will arrive? Grow Financial’s online bill payment system makes it easy to track status.

Under “Payment Activity”, you can view:

• Upcoming scheduled payments

• Payment details – date, payee, amount, account debited

• Payments in process

• Payment history – last 12 months

• Confirmed payments completed

• Failed payments and reasons (invalid account number, insufficient funds, etc)

The “Payment Activity” lets you monitor scheduled bills, confirm when payments are debited from your account, and see confirmation that the payee has received the funds. For pending payments, you can cancel or edit if needed.

Staying on top of payment status ensures your important bills are processed on time and avoids issues like late fees. The online bill pay system does the tracking so you don’t have to.

Managing Payees In Grow Financial Bill Pay

Your “payee list” consists of all the companies and accounts you pay through Grow Financial online bill pay. It’s easy to manage your payees:

Add Payee – Set up a new payment recipient using name, address, account number, and other info.

Edit Payee – Update details like payment amount, account number, mailing address, or telephone number.

Change Payee – Switch a payment to a different payee account.

Delete Payee – Remove a payee you no longer need to pay. This stops future payments.

Payee History – View your past payments to each payee for the last 18 months.

Keeping your payee list updated ensures money gets where it should. Set up new payees when you have a new bill, edit details that change, delete inactive payees, and review payment history.