Bill Pay

Pay Bills Online

Classic Bill Pay-e, Corpus Christi City Employees Credit Union’s online bill paying service lets you pay bills at your convenience. No more:

Stamping envelopes
Writing checks
And running to the post office to mail your bill payments.

You can now pay your bills online at a time and date that is most convenient to you. Our Classic Bill Pay-e service is easy to set up and is secure. We utilize secured connections, data encryption, and firewall technology for your account protection to give you peace of mind when paying bills online.

You can pay your mortgage, credit card bills, utility bills, union dues or other bills with a simple click of the mouse. Classic Bill Pay-e is user friendly and can be used with any PC with an internet connection.

Compare Corpus Christi City Employees Credit Union’s FREE ONLINE BILL PAY service to those offered by other financial institutions costing up to $7 or more per month. While other banks and credit unions offer a 60 or 90 day FREE TRIAL PERIOD of their bill pay product, Corpus Christi City Employees Credit Union’s Classic Bill Pay-e service is offered FREE FROM DAY ONE—AND STAYS THAT WAY! *

Once you begin using Online Bill Pay, we believe you will quickly discover the convenience, security, and freedom that it offers.

*Terms subject to change.

Classic Bill Pay-e allows you to:

Make single payments
Schedule recurring payments
Send online transfers to an account that you have at another financial institution
Send an online transfer to a friend or family member that has an account at another financial institution and has an e-mail address.
Receive e-mail transaction confirmations
Make an unlimited number of payments each month
Pay bills while using Corpus Christi City Employees Credit Union’s FREE Flex Teller Online Banking Service
Easily identify online bill payments on your monthly statement
View an account summary of bill payment activity for the month
You can get assistance with scheduling payments, requesting payment research and answering questions that you may have about your bill payment account by pressing the “live chat” button, sending an e-mail, telephoning the subscriber service toll free at 1-877-308-0242 between the hours of 6:30 am and 10:00 pm (central standard time) Monday – Friday or calling our Member Service Department at (361) 855-4494. A FAQs (Frequently Asked Questions) help line is also available online to assist you.

For a Bill Pay Demo Click Here.

To get started :

1. You must have a checking account with Corpus Christi City Employees Credit Union and have enrolled to use our Flex Teller Online Banking Service.

2. Once you have been approved to use Flex Teller Online Banking, Click the “Pay Your Bills” button in Flex Teller and complete the enrollment form.

3. Click Here to receive a copy of the Corpus Christi City Employees Credit Union Bill Pay Agreement/Disclosure Form.

4. After you receive notification from the credit union that your bill pay enrollment has been approved, begin gathering and organizing information about payments that you want to make with the service. You will need names of the payee, billing addresses, your account number with the payee, and the payee’s phone number.

5. Begin adding your payees online.

Although a FAQs section is provided on the bill pay site, the following information should assist you with using the Classic Bill Pay-e product.

PAYMENTS

Single Payments

A single payment is typically one with a different amount due with each payment. For example, your phone or electric bills are rarely the same amount each month. When you schedule a single payment, that amount is processed on the day you requested and another payment will not occur until you schedule a new payment.

Use the single payment option to schedule payments for bills that change with each billing and/or payments that occur on an unscheduled basis.

Each single payment is assigned a confirmation number for future reference. Retain the confirmation number for your records (it replaces your check number had you written a check for the bill).

Recurring Payment

A recurring payment is one that is due on a regular basis (monthly, weekly, biweekly, etc) and is always the same amount (such as a house payment, car payment, etc).

Schedule a recurring payment and it is automatically paid each month without further instructions from you. You may stop or change a recurring payment on the bill pay website.

To add a recurring payment, the account must be on your list of authorized payees. If you need to add a new account, you may do so from the “Set Up Accounts and Payees” page. For each recurrence, you are assigned a confirmation number.

Payment Restrictions:

You may pay almost any payee you wish. There are several restrictions:

The payee must be located in the United States
Payments may not be remitted to tax authorities or government and collection agencies.
Payments must be made in U.S Dollars.
Payments may not be remitted to security companies for stock purchases or trade taxing authorities
Court directed payments are unauthorized (alimony, child support, or other legal debts). A payee is defined as anybody (company or individual) to whom you want to send money.

HOW SOON CAN I START MAKING PAYMENTS?

You may begin using the system as soon as our bill pay administrator approves your enrollment. It takes approximately 2 business days for the application to be processed. You will be sent a welcome letter containing important information you will need to begin using the bill pay program.

PAYMENT PROCESSING

Single payments are processed on the business day (normally Monday through Friday, except holidays) you designate the payment is to be processed, provided the payment request is received prior to the designated cut-off time. Single payment requests received after the business day cut-off time of 2:00 pm (central standard time), or at any time on a non-business day, will be processed on the following business day. We reserve the right to change the cut-off time by giving you notice of the changes. The bill payment system is available for payment scheduling 24/7.

For recurring payment requests, payments will be processed on the dates you have designated, unless the date falls on a non-business day when the payment will be processed on the next business day.

Payments will be sent either electronically or by check, depending upon how the merchant or payee is set up to receive payment. For electronic payments, you should allow a minimum of five (5) business days for the payment to reach your payee.

For payments to be made by check, the number of days to allow will depend upon the location of the payee. As a general guideline: allow a minimum of five (5) business days for payees located in the central or Eastern United States. For the Midwest and Mountain states allow a minimum of seven (7) business days. For the West Coast and Hawaii, allow a minimum of eight (8) business days.

We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information provided by you about a payee or if you attempt to pay a payee that is not on your authorized payee list.

SHOULD THE PROCESSING DATE BE THE SAME AS THE DATE THE PAYMENT IS ACTUALLY DUE?

No. You should allow sufficient time for your payment to be received and posted to your account by the payee. You need a minimum of five (5) business days for payments to reach your payee. Depending upon the location of the payee additional time may be needed. See the Payment Processing section for further details.

HOW SOON ARE FUNDS ACTUALLY TAKE OUT OF MY ACCOUNT?

Bill payments are debited from your account on the processing date you requested. There is no float.

WHEN AND HOW ARE MY PAYMENTS DELIVERED AND HOW CAN I ENSURE THAT MY PAYEE RECEIVES MY PAYMENT BY THE DUE DATE?

Once funds are withdrawn from your account, payments are remitted by electronic funds transfer, or if the payee does not accept electronic payments, by mailing your payee a check. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, you should allow ample time for payments to be received and posted to your account. The payment processing section provides more details on the number of days needed to process payments.

You may verify receipt of the payment by the payee by contacting them directly or reviewing your next billing statement.

IF I CURRENTLY HAVE AN AUTOMATIC DEBIT FOR A BILL COMING OUT OF MY CHECKING ACCOUNT, SHOULD I CANCEL THIS DEBIT AND USE MY NEW BILL PAY PROGRAM?

It is recommended that you NOT cancel any auto debit UNLESS the bill pay program has the ability to electronically remit the payment to the payee. Typical “auto debit” payees are insurance companies or mortgage companies. Another consideration is that auto debits come out of your account on the “due date” which gives you the advantage of float until then. With the bill pay program your payment will be deducted from your account on the “process date”, which should always be a minimum of 5 days BEFORE the due date.

You should also continue any payroll deductions that you may have coming to the credit union for loan payments or continue making automatic transfers from your credit union account to your loans. Bill Payments to your account at Corpus Christi City Employees Credit Union cannot be processed using this service but can be made using our Flex Teller online banking service.

WHY MUST I ALLOW ADDITIONAL MAILING TIME FOR MY PAYMENTS?

Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, a check must be sent to the payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take 2 or 3 business days for your account to be posted.

WHEN IS THE LAST POSSIBLE OPPORTUNITY TO CHANGE OR CANCEL A BILL PAYMENT?

You can change or stop a payment up until 2:00 pm (Central Standard Time) on the processing date you originally provided. You will not be able to change the date of a recurring payment; however, you can stop and reschedule the payment.

WHAT HAPPENS IF I DO NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO COVER A BILL PAYMENT?

If funds are not available on the requested processing date, your bill payment may be cancelled and you will be assessed an $18 NSF fee.

WHO DO I CONTACT IF MY PAYMENT HAS NOT BEEN POSTED?

First allow at least 5 to 8 business days for a payee to receive payment. If a payee has not posted your payment within 10 business days of the date you requested the payment to be processed, contact the subscriber service at 1-877-308-0242. You can also e-mail us or call our office (361) 855-4494 and describe the problem. We will follow up on the payment and get back with you usually within 24-48 business hours. It is normally faster to contact the toll free number to the subscriber service first about your request.

HOW DO I ADD MORE PAYEES?

Payees may be added using the “Add Payee feature, found on the “Set Up Accounts and Payees” button online. Be sure to include all required information.

HOW CAN I BE SURE NO ONE ELSE CAN ACCESS MY BILL PAY ACCOUNT?

All data is encrypted and is also protected using standard e-commerce security practices, including firewall technology. You will access the system by entering your account number and password. Passwords ARE NOT kept on file at the credit union. Only persons with this information can access your account. Be sure not to release this information to anyone you do not want to fully authorize as a user on your account.

Protect your password as you would for your ATM or Debit Card PIN. IF FOR ANY REASON YOU BELIEVE YOUR ACCOUNT NUMBER AND PIN INFORMATION HAS BEEN COMPROMISED CALL CORPUS CHRISTI CITY EMPLOYEES CREDIT UNION AT (361) 855-4494 IMMEDIATELY.

DOES THE BILL PAY SYSTEM OFFER A PAYMENT GUARANTEE?

No. Once the payment is remitted, we are unable to control the posting cycle. However, our bill pay service provider, iPay, does provide support for bill pay issues. If iPay is at fault, a manager at iPay will evaluate the case and approve an adjustment to the end user.