Bill Pay (Check Free) in Online Banking

  • Online banking requires you to use an email account
  • Protect access to this account at all times because it is used for communication from online banking
  • If you elect to use online banking, you can then register for bill pay
  • Once you register for bill pay, payees can be established
  • Recipients receive the money in one of two ways depending on the recipient’s capability:
  • Paper check - These are cut and sent in advance of the scheduled day. Turn around – up to 7. Does not come out until cashed
  • Electronic ACH - These funds are immediately transferred on the scheduled day
  • For support call the bank (419) 732-6263

What are the risks of using bill pay?

  • If you do not protect your computer or device in the manner described, a hacker could take over your machine
  • After taking over your machine, they could watch you login into online banking
  • After learning your online banking credentials, they could add themselves as a payee in online banking and pay money out of your account into theirs

Ways to protect yourself

  • Log into your account regularly and check your balances, activities, and payees
  • Secure your device as described previously
  • Monitor your emails diligently for notifications of changes to your online account and payees