A: WebPay lets you schedule and make payments as well as receive and pay bills online through WebPay.

• You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
• You can also set up repeating payments, such as a car payment or rent.
• You can schedule single payments up to a year in advance.

The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.

A: There are two basic steps involved in using WebPay to make online payments:

1. Set up your payees.
2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. All of your payees are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.

When you make a payment, you specify the date that you want the payee to receive the payment. We recommend that you schedule your payment date four business days before the actual bill due date to allow time for electronic processing or for mailing if a paper check is sent. WebPay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.

After a payment is scheduled, it appears as Scheduled in Payment Activity . After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account. Sometimes, however, the payee may take a few days to apply the payment to your account.

A: WebPay uses several methods to ensure that your information is secure.

• User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don't share your user name and password with anyone, no one can sign in to WebPay as you.
• SSL: WebPay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
• Encryption: WebPay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
• Automatic Sign Out: In addition, WebPay automatically signs you out of a session if you are inactive longer than ten minutes. It is best if you sign out immediately after you are finished scheduling and making payments.

A: To sign up for WebPay, click here and submit a completed enrollment form.

A: We automatically withdraw service fees for your bill payment service from the payment account you specify as your service fee account. The WebPay fee and any additional payment fees appear on your monthly statement as a bill payment fee.

Your fee billing date is based on when you signed up for the service. We bill you in advance for your next month of service. At the same time, we bill you for any additional payments you made in the previous month, if your service offers additional payments.

A: Go to the My Profile page and click Service Setup at the top of the page. On the My Profile - Service Setup page, click Cancel Your Service at the bottom of the page. Before you cancel your service, keep in mind the following:

• Scheduled payments, including repeating payments, are not paid.
• Processing payments are paid.
• You no longer have access to your payment history and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.
• Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using WebPay after you cancel your service, you should make your payment to the payee by some other means, such as a check.
• If you decide to use WebPay again, you will have to re-enroll and set up your payee list.

A: It's important to keep your personal information up to date so that we can contact you if necessary. You can review your personal information on the My Profile page. Go to the My Profile page and click Edit in the section that contains the information you want to change.

A: WebPay can assist you in using its features as follows:

• This product contains help that is available from each page. Click on any page to open help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
• If you have general questions, read through the list of frequently asked questions (FAQs).