How To Use Www.Orchardbank.com Bill Pay: A Step-By-Step Guide

Managing bills can be tedious and time-consuming. Thankfully, Orchard Bank offers an online bill pay feature that makes paying bills quick and easy.

In this comprehensive guide, we’ll walk through everything you need to know to use the wwworchardbank.com bill pay platform, from setting up payees to scheduling recurring payments Whether you have an Orchard Bank credit card, loan, or other account, this guide will help you maximize the bill pay service.

Overview of Orchard Bank Bill Pay

Let’s first look at some key things to know about Orchard Bank bill pay:

• Bill pay is available for free to Orchard Bank credit card, loan, and deposit account holders.

• You can pay bills from major companies like utilities, wireless carriers, TV/internet providers, insurance companies, and more

• Payments can be one-time or recurring on a schedule you set.

• Funds for bill payments on credit card and loan accounts come as cash advances. For deposit accounts, funds come directly from your balance.

• You can add up to 30 payees and schedule payments up to 364 days in advance.

• eBills allow you to receive bills directly within your Orchard Bank account and pay them instantly.

Now let’s dive into the steps for setting up and using bill pay on the Orchard Bank website.

Accessing Orchard Bank Bill Pay

First, you need to log into your Orchard Bank account online:

1. Go to www.orchardbank.com and click “Log In” in the top right.

2. Enter your username and password and click “Sign In”.

3. In the top menu, select “Pay Bills” to access the bill pay dashboard.

Once you’re in the bill pay menu, you’ll see options to add a payee, view payment activity, access eBills, and set up recurring payments.

Adding a New Payee

To pay a new bill, you first need to establish the payee in your Orchard Bank account:

1. In the bill pay menu, click “Add Payee”

2. Enter the company name – Orchard Bank will search to match existing payees.

3. Enter the account number and any other details for the payee.

4. Select the category for the payee like utilities, insurance, etc.

5. Enter the mailing address for payments.

6. Choose the account to fund payments for this payee.

7. Click “Add Payee” to finish setting it up.

Once a payee is added, you can pay bills immediately or schedule future payments.

Paying a Bill

Here are the steps to pay a bill:

1. In the bill pay dashboard, select “Pay a Payee”

2. Choose the payee from the dropdown menu

3. Enter the payment amount

4. Select a delivery date for the payment

5. Choose the payment frequency – you can make it recurring or one-time

6. Select the account to debit for the payment

7. Click “Continue” and review the details

8. Confirm the payment details and click “Pay Now”

The payment will be processed and delivered to the payee on the date selected.

Setting Up Recurring Payments

You can automate recurring payments rather than manually paying each bill. Here’s how:

1. In the bill pay menu, choose “Recurring Payments”

2. Click “Add a Recurring Payment”

3. Select the payee from the dropdown menu

4. Enter the payment amount

5. Choose the frequency such as monthly, quarterly, etc.

6. Pick the start date and end date (if applicable)

7. Specify the account to debit for the payments

8. Select the delivery date for the recurring payments

9. Click “Confirm Recurring Payment” to finish setting it up

The recurring payment will be automatically processed for the payee based on the frequency selected.

Activating eBills

With eBills, you can receive bills directly within Orchard Bank and pay them instantly. To set up eBills:

1. Click on “eBills” in the bill pay menu
2. Search for the biller and click “Activate eBills”
3. Log into your account on the biller website
4. Follow the prompts to enable paperless billing
5. The eBills from the company will now import into your Orchard Bank account
6. When a new eBill arrives, click “Pay Now” to instantly pay

eBills save you time by letting you manage bills fully within Orchard Bank. Activate them for any supported billers.

Helpful Bill Pay Tips

Keep these tips in mind to get the most out of Orchard Bank bill pay:

• Allow 5-7 business days when scheduling one-time payments for delivery.

• Check your account balance before payments to avoid overdrafts or insufficient funds fees.

• For credit cards and loans, bill payments are treated as cash advances.

• If a payment fails, Orchard Bank will notify you and reverse the debit.

• You can cancel pending or recurring payments anytime before processing.

• Enable text or email alerts to get notified of new eBills or processed payments.

• Contact support if you need to edit payee details, change accounts, or get bill pay assistance.

Why Choose Orchard Bank Bill Pay?

Orchard Bank bill pay provides many benefits, including:

• Simplicity – Easy online platform to quickly pay bills

• Convenience – 24/7 access and recurring payments

• Organization – Manage all bills in one place

• Savings – Avoid late fees by scheduling and automating on time payments

• Cash flow – Allow 5-7 day processing to account for payment delivery

• Control – Make one-time immediate payments or schedule future recurring payments

• Alerts – Get notified when bills are due or payments processed

With bill pay fully integrated into your Orchard Bank account, you gain time, convenience, and control over bill management.

Troubleshooting Orchard Bank Bill Pay

If you encounter any issues using Orchard Bank bill pay, here are some troubleshooting tips:

• Make sure you enter the correct payee details – account numbers, addresses, etc.

• If payments fail, verify your funding account has sufficient funds.

• Check that the delivery date allows adequate time for bill receipt and processing.

• Confirm entered payment amounts match the bill amount.

• Contact support if payments are repeatedly failing or issues persist.

• Be sure to add new payees first before paying new bills.

• If eBills are not activating, verify your login credentials on the biller website.

• Enable paperless billing directly on the bill company website when activating eBills.

Addressing any bill pay problems promptly can help ensure on time delivery of your payments.

Cancelling Orchard Bank Bill Pay

To cancel Orchard Bank bill pay:

1. Click “Cancel Pending Payments” in the bill pay menu.

2. Select any upcoming one-time or recurring payments.

3. Click “Cancel Payment” to delete the pending payments.

4. Under “Settings,” click “Remove Bill Pay”

5. Confirm that you want to remove the bill pay service.

Any active or future payments will be cancelled when you remove bill pay. You can always re-enable it later as needed.

The Bottom Line

Orchard Bank’s online bill pay service allows you to easily and quickly pay bills, automate recurring payments, activate eBills, and simplify your overall bill management.

With this step-by-step guide, you now have the knowledge to fully utilize www.orchardbank.com bill pay like a pro. The convenience and organization of managing bills through one online platform saves significant time and hassle.

So reduce your stress, avoid late fees, and take control of bills by making www.orchardbank.com bill pay one of your top online banking tools.