How To Use Zions Bank’s Convenient Online Bill Pay Service

Paying bills is a necessary but often tedious task Fortunately, Zions Bank offers an easy-to-use online bill pay service that makes paying your bills fast and convenient. In this comprehensive guide, I’ll explain everything you need to know to start using Zions Bank’s online bill pay to save time and hassle when managing your regular payments

Overview of Zions Bank Online Bill Pay

With Zions Bank’s online bill pay, you can use your checking account to send money to almost any business, merchant, or service provider.

With this service you can

• Schedule one-time or recurring payments to thousands of billers.

• Avoid the hassle of writing and mailing paper checks.

• Easily manage payments and track payment history.

• Receive and view electronic bills from participating billers.

• Set up email or text alerts for upcoming bills.

• Pay bills on your phone with the mobile banking app.

Zions Bank online bill pay is fast, convenient, and secure. The money is taken electronically from the checking account you linked and sent to the payee.

Benefits of Online Bill Pay

Switching from mailing paper checks to paying bills online provides a number of useful benefits:

Convenience

• Schedule payments any time from your computer or mobile device.

• Avoid writing checks, finding stamps, and mailing bills.

• Set up automatic recurring payments for routine bills.

Organization

• Online bill pay keeps everything in one place for easy tracking.

• Payment history simplifies accounting and tax preparation.

• Get reminders when bills are due to avoid late fees.

Security

• Online payments are more secure than sending paper checks which can get lost.

• Bill pay has security measures like encryption and login passwords.

• You control when and who gets paid, without handing over checkbooks.

Savings

• Online bill pay is usually free while mailing paper checks often incurs fees.

• Avoid late payment fees by scheduling payments early.

• Easily adjust payment dates and amounts as needed.

Getting Started with Zions Bank Bill Pay

Using Zions Bank’s online bill pay service is simple. Just follow these steps to begin paying your bills electronically:

Step 1: Log into Online Banking

First, log into your Zions Bank online banking account. If you don’t have online banking enabled, visit your nearest branch to sign up.

Step 2: Enroll in Bill Pay

Once logged in, you can enroll in bill pay directly through online banking. Just look for and click the “Bill Pay” menu option.

Step 3: Link Your Checking Account

As you enroll, you’ll be prompted to link the Zions Bank checking account you want payments to withdraw from. Only checking accounts are compatible with online bill pay.

Step 4: Add Payees

To start paying bills, you need to add the payees (companies or individuals) you want to pay. You can search for thousands of registered payees or manually enter any other biller.

Step 5: Schedule Payments

Once your payees are set up, you can schedule one-time or recurring payments to be sent on the dates you specify.

And that’s it – you’re ready to start paying bills online! The first few payments may take longer as payees receive and process your electronic payment requests, but soon the process becomes quick and seamless.

Paying Bills Through Zions Bank Bill Pay

After enrollment, paying your bills through Zions Bank online bill pay is extremely straightforward. Here are some tips for common payment tasks:

• Scheduling payments: Pick one-time or recurring payments for each payee. Select payment date, amount, and frequency if recurring.

• Managing payees: Update payee information or delete payees anytime. Add new payees to start paying additional billers.

• Tracking payments: View payment history including status, date, and amount. Easily check which bills have been paid.

• Receiving bills: Sign up for electronic bills from enrolled payees to view bills directly in bill pay.

• Changing/canceling payments: Edit or cancel upcoming one-time or recurring payments if needed.

The bill pay dashboard provides the full menu of payment management options. The simple design allows you to pay, track, and manage bills with just a few clicks.

Helpful Features for Bill Pay

Zions Bank online bill pay offers a few particularly helpful features:

• Mobile app – Schedule, approve, and manage bill payments on-the-go from your smartphone.

• Alerts – Optional email or text alerts can remind you when bills are due or payments are processed. Prevent late payments.

• Limits – For added security, set daily or monthly dollar limits on bill pay withdrawals from your checking account.

• Multiple users – Allow additional authorized users like a spouse to access and use your bill pay account.

Leveraging these features provides additional convenience, flexibility, and control over your bill payments.

Bill Delivery Options

When setting up bill pay with each payee, you have choices on how you want bills delivered:

• Online eBills – Have bills sent directly to bill pay. View and pay bills without any paper statements.

• Paper bills – Continue receiving paper statements if preferred. The bill pay address book can store your mailing address for payees.

• Both – Request paper bills be mailed to you while also receiving eBills online for a backup.

Select the option that best matches your needs when managing bills from each payee. You can change your bill delivery preference anytime.

Payment Processing Times

Understanding payment processing times helps ensure your bills are received on time.

One-time electronic payments take 2-4 business days to reach the payee once the payment is withdrawn from your account.

Recurring electronic payments may take 5-8 business days at first until the payee adds your account, then will process as fast as one-time payments.

Mailed check payments allow 7-10 business days for the check to be received and processed by the payee.

Always request payments at least 5 business days before the actual due date to ensure on-time arrival.

Payment Status Tracking

The online bill pay system allows real-time tracking of payment status including:

• In Process – Payment initiated and money withdrawn from your account.

• Sent – Check issued or electronic payment transmitted.

• Cancelled – Payment cancelled before processing.

• Failed – Payment attempt failed due to insufficient funds or other issue.

• Posted – Payee has received payment and posted it to your account with them.

Monitoring status allows you to confirm payments have been received and avoid potential late fees.

Security and Protection

Zions Bank employs multiple measures to keep bill pay safe, secure, and protected:

• HTTPS encryption – Secure communication protocol encrypts all payment info.

• Password login – Unique username and password required to access account.

• Timeout feature – Automatic logout after period of inactivity.

• FDIC insured – Checking accounts are insured up to $250,000 per depositor.

• No liability – Zions Bank assumes full liability for any errors or fraudulent transactions.

• Alerts – Optional alerts notify you of any payment issues or irregularities.

You can feel fully confident that Zions Bank bill pay leverages the latest technology and practices to keep your information and money protected.

Help and Support Resources

If you ever have questions or issues using Zions Bank’s online bill pay, timely support is available through:

• Online FAQs and tutorials – The bill pay site provides extensive help documentation and video tutorials covering each feature.

• Live chat – Chat live with a Zions Bank support agent during business hours when logged into your account.

• Phone support – Call Zions Bank customer service at 1-800-789-BANK (2265) 24/7.

• Local branch – Visit a nearby branch and speak to a banker in person for assistance.

Zions Bank aims to provide quick, convenient answers to any bill pay questions you may have. Don’t hesitate to reach out by your preferred contact method.

Conveniently Manage All Payments in One Place

Zions Bank online bill pay allows you to conveniently view, track, and pay all your bills from one centralized and secure location. Switching from paper checks to online payments saves significant time and headaches. With features like mobile access, alerts, and support, managing bills has never been simpler. Sign up for bill pay today and see how easy it is to pay bills online with Zions Bank.