How to Use Online Bill Pay with Orchard Bank

Orchard Bank offers a full-featured online banking platform that includes convenient bill pay options. With Orchard Bank online bill pay, you can securely pay bills from thousands of merchants right from your bank account.

Overview of Orchard Bank Online Bill Pay

Orchard Bank’s online bill pay allows customers to

• Pay bills from checking or savings accounts
• Schedule one-time or recurring payments
• Receive and view electronic bills
• Manage bill pay through web or mobile app
• Access payment history and statuses
• Avoid late fees with on-time payments
• Sign up for text/email reminders

Bill pay is free for Orchard Bank customers enrolled in online banking Read on for more details on getting started and using this useful service

Activating Online Bill Pay with Orchard Bank

Using Orchard Bank’s online bill pay feature requires two steps – enroll in online banking, then activate bill pay:

1. Enroll in Online Banking

Visit orchardbank.com and register for online banking access to your Orchard Bank accounts.

2. Activate Bill Pay

Once logged into your online bank account, select the Bill Pay tab and follow the prompts to fully activate the service.

Once activated, you can immediately start using bill pay.

Adding Billers to Pay

With bill pay set up, it’s time to start adding companies and individuals to pay:

• Select “Add a Company or Person”
• Search for the biller by name or keyword
• Select the matching biller and enter your account number
• Review and add any additional details for that biller
• Confirm the biller and account addition

You can add as many billers as needed. Common billers include utilities, credit cards, auto loans, insurance, internet/cable, subscriptions, and more.

Scheduling One-Time Payments

To set up a single, non-recurring payment:

• Select the biller from your dashboard
• Enter the payment amount
• Pick a delivery date for the payment
• Select delivery method – electronic or check
• Confirm payment details and submit

The payment will process on your selected date.

Setting Up Automatic Recurring Payments

For bills with fixed regular amounts, like utilities or loans, automate payments for convenience.

• Choose the automatic payment option
• Enter the standard payment amount
• Pick the preferred debit date each month
• Select delivery method
• Review and submit the setup

These fixed payments will be sent each month on the scheduled date without any additional action needed.

Paying Bills on Mobile

The Orchard Bank mobile app provides full mobile access to bill pay in addition to the online banking portal. You can:

• View pending payments
• Add new one-time or auto-pay billers
• Manage when and how much is paid to existing billers
• Approve payments
• Receive bill pay alerts and reminders

Mobile bill pay makes managing payments easy from anywhere.

Payment Methods and Delivery

Orchard Bank gives you choices on how bill payments are delivered:

Electronic – Secure direct delivery to biller

Check – Physical check mailed via standard delivery

Funds for bill payments can only be withdrawn from your Orchard Bank checking or savings accounts. Debit/credit cards are not able to be used for bill pay.

Tracking Payments and Payment History

You can closely monitor status of all bill payments within online or mobile banking:

• Upcoming scheduled payments
• Processing pending payments
• Payment history details
• Any failed or reversed payments
• Confirmation numbers
• Processed and mailed check numbers

Keep an eye on your recent and past transactions for peace of mind.

Managing Billers and Payments

Over time you may need to modify, pause, or remove billers and payments. Easy self-service management lets you:

• Change payment amount or date
• Update biller account information
• Stop a single payment
• Temporarily stop automatic payments
• Permanently remove a biller
• Resume paused payments

Adjustments take effect immediately upon saving changes.

Account Alerts and Notifications

Customize alerts for bill pay activity:

• Get emails when payments are made or fail
• Receive texts for reminders of upcoming payments
• Set low balance warnings if funds run low
• Notify for any declined payment transactions
• Confirmation alerts after new biller setup

Stay on top of bill pay transactions with timely alerts.

Helpful Bill Pay Tips

Keep these tips in mind to avoid issues:

• Check for any biller-specific requirements before setting up, like minimum amounts or lead time needed.
• When using checks, schedule payments 7-10 days in advance to ensure timely arrival.
• Don’t make account changes during pending payments or automatic payment cycles.
• Review bank statements regularly to verify accurate payment posting.
• Notify Orchard Bank immediately if you see any discrepancies or errors.

Proper setup helps ensure smooth on-time bill payments.

Can I Pay Bills Without Logging In?

Orchard Bank also offers a guest pay option for one-time payments without logging into your account.

To use guest pay:

• Visit orchardbank.com and click “Pay a Bill”
• Select “Pay as Guest” and enter your account number
• Choose a biller and provide the needed payment information
• Submit payment and get a confirmation number

This allows quick ad hoc payments, but lacks the convenience of saved billers and payment tracking.

Is Orchard Bank Bill Pay Safe?

Yes, Orchard Bank utilizes industry-leading security measures to keep bill payments and accounts safe, including:

• 256-bit TLS data encryption for transactions
• Secure sign-on with multi-factor authentication
• Fraud monitoring with suspicious activity alerts
• No storage of complete account data
• Account protection guarantees

You can pay bills with confidence knowing Orchard Bank employs bank-level security.

Can I Get Help with Bill Pay?

If you need assistance with Orchard Bank’s online bill pay services, Orchard Bank customer service is available:

• By phone at 1-800-409-9771
• Through live chat on their website during business hours
• At a local branch location near you

Representatives can help with enrollment, biller setup, managing payments, and any troubleshooting needed for bill pay.

Start Paying Bills Seamlessly with Orchard Bank

Orchard Bank offers a top-rated online and mobile bill pay service that is free for customers with an online banking account. With robust features for one-time or auto-pay, bill tracking, custom alerts, and more – paying bills is now a breeze. Sign up today to simplify bill management each month with Orchard Bank.