A Complete Guide to Using Western Alliance Bank Bill Pay

Paying bills is a necessary but often tedious task. Luckily, Western Alliance Bank has an easy-to-use online bill pay service that makes paying bills quick and simple. You can send money to hundreds of businesses and service providers with just a few clicks.

In this comprehensive guide we’ll explain everything you need to know about using Western Alliance Bank’s bill pay platform. Whether you want to set up auto-payments schedule one-time payments, or pay bills on-the-go from your mobile device, we’ve got you covered. Read on to become a bill pay pro!

Overview of Western Alliance Bank Bill Pay

Western Alliance Bank’s online banking and mobile app include an integrated bill pay feature that allows you to

• Pay bills from your Western Alliance Bank checking account
• Schedule one-time or recurring payments
• Set up automatic payments based on your billing date
• Pay bills to companies, individuals, or organizations
• Receive and view electronic bills
• Access bill pay via desktop or mobile

There are no fees to use bill pay. You don’t have to pay credit card fees or interest because the money is taken straight out of your Western Alliance Bank checking account.

Benefits of Paying Bills Through Western Alliance Bank

When you pay your bills online through Western Alliance Bank, you get some of the following benefits:

• Convenience – Pay bills anywhere, anytime in just minutes
• Efficiency – Automate recurring payments and avoid late fees
• Simplicity – No need to write checks or buy stamps
• Security – Encrypted connections keep your data safe
• Flexibility – Make one-time payments to individuals
• Control – Set payment reminders and schedule payments in advance
• Access – Use bill pay via desktop or mobile device
• Budgeting – Better track monthly household bill payments

Step 1: Enroll in Online Banking

To start using Western Alliance Bank’s bill pay service, you first need to have an active online banking account.

If you don’t have online banking set up yet, visit www.westernalliancebank.com and click “Log In” at the top right. From there select “Enroll Now” under the log in fields and follow the prompts to establish your username and password.

You’ll need to provide personal details like your Western Alliance Bank account number, Social Security Number, and email address. Accept the online banking terms and conditions to finish enrolling.

Step 2: Access Bill Pay

Once logged into your Western Alliance Bank online account dashboard, click on the “Pay Bills” tab in the blue horizontal menu bar at the top. This will open the bill pay landing page.

If you’re using the Western Alliance Bank mobile app, tap on the 3-line “Menu” icon and choose “Pay Bills” from the listings.

Both the desktop and mobile bill pay platforms have the same capabilities and features.

Step 3: Set Up Payees

To pay a new bill through Western Alliance Bank for the first time, you need to establish that company or individual as a payee.

From the bill pay dashboard, select “Manage Payees” and then click “Add Payee” in the popup menu. Here are the required steps when adding each new payee:

• Enter payee name – Type in who you want to pay.

• Input account number – Enter your customer account or reference number with that payee. This links the payments to your account.

• Select category – Choose a category like Utilities, Credit Card, Insurance, etc.

• Confirm address – Verify the mailing address on file for that payee. Make any needed corrections.

• Pick delivery speed – Select standard (5 business days) or next day express delivery. Express costs $9.95 per payment.

And that’s it! The payee is now set up to receive one-time or recurring payments from your Western Alliance Bank account.

Step 4: Schedule One-Time Payment

To make a single, non-recurring payment to an established payee:

• Navigate to the bill pay dashboard and select “Make a Payment”

• Choose the payee from the drop-down menu

• Enter the payment amount

• Pick the delivery date – payments made before 7:00 PM MT on business days process same-day

• Enter any optional memo notes

• Verify payment details and select “Make Payment”

• A confirmation screen will appear once processed

One-time payments are handy for irregular bills or paying individuals for gifts, rent, etc.

Step 5: Set Up Automatic Payments

For bills that recur monthly on a fixed due date, like utilities or subscriptions, automating payments is convenient:

• From the bill pay homepage, choose “Auto Pay”

• Select the payee

• Check the box to pay the full statement balance automatically each month

• Input the first draft date when you want payments to start

• Choose the frequency – monthly, quarterly, etc.

• Select the day of the month for future drafts

• Save your auto pay settings

Now that monthly bill will be paid automatically with the funds directly debited from your Western Alliance Bank account. You can adjust, pause, or cancel auto-pays anytime.

Step 6: Receive eBills

If the payee offers electronic billing, you can have your monthly statements delivered directly to your Western Alliance Bank bill pay account. This saves paper and makes reviewing statements easier in one place.

To sign up for eBills:

• Navigate to “Billing & Statements” in the bill pay menu

• Select “Add eBill”

• Choose the payee

• Accept the terms and conditions

• Register your payee account credentials

The eBills will start appearing in your bill pay account to review and manage payments. You get notifications when new eBills arrive.

Step 7: Set Bill Reminders

To avoid late payments on important bills, use Western Alliance Bank’s bill pay reminders:

• Go to “Reminders” under the bill pay menu

• Click “Create New Reminder”

• Choose the payee

• Input how many days prior you want the reminder

• Select the frequency – one-time or recurring

• Pick the reminder method – email, text, mobile push notification

• Save the new reminder

Now you’ll get automatic alerts leading up to that bill’s due date so you never miss a payment.

Step 8: Make Quick Mobile Payments

In addition to the main bill pay features, the Western Alliance Bank mobile app has a quick payments tool that lets you instantly pay select bills right from your phone:

• Open the app and tap on “Quick Pay”

• Choose the payee from the list – common options include credit cards, utilities, insurance, etc.

• Enter your account number and other details

• Input the payment amount

• Select the process date

• Verify information and complete the payment

It’s a fast way to make one-off payments from anywhere if you don’t need to set up recurring ones.

Bill Payment FAQs

Here are answers to some frequently asked questions about Western Alliance Bank’s bill pay service:

What bills can I pay?

You can pay personal bills like utilities, credit cards, childcare, medical bills, taxes, subscriptions, rent, association dues, and more.

Can I cancel a scheduled payment?

Yes, as long as it is before the processing date. Just go into your payment activity and select “Cancel Payment”.

Is there a bill payment limit?

You can process payments up to $100,000 per transaction.

When will my payee receive the payment?

Most electronic payments arrive in 2-3 business days. Mailed check payments take 5 business days. Next day delivery is available for $9.95 per payment.

Do I need to verify payees?

The first time you schedule an electronic payment to a payee, the system will verify the account automatically with micro-deposits. This helps prevent misdirected payments.

How do I update payee information?

You can edit payee details like name, address, account number, and phone number in your list of payees. Just select “Manage Payees” then click “Edit” next to the payee.

Can I pay individuals with bill pay?

Yes, you can use electronic payments to pay individuals like friends, family, babysitters, tutors etc. Just make sure to have their current mailing address or email address on file.

Get Support From Western Alliance Bank

If you ever have trouble using the online bill pay platform, Western Alliance Bank’s customer service team is ready to help you:

• Call 1-888-895-3561 to speak with a support rep

• Send a secure message through online banking by clicking “Contact Us”

• Schedule an appointment at your local Western Alliance Bank branch

• Live chat via the website for real-time assistance

No matter what