Convenience starts here
With Online and Mobile Banking, you can pay bills without the extra paper and stamps. Simply log into your account and look for “Bill Payment” in the left-hand toolbar. Adding companies or individuals is easy, and the money is submitted securely through layers of encryption. Plus, you can check your account balance in the exact same place. You’ll never have to worry about envelope-licking fatigue again.
Zelle is a fast, safe and easy way to send and receive money with people you trust. We are not a Zelle partner institution, but our cards can work with Zelle when the other financial institution is a partner. Refer to our Zelle Guide on how to add your LBS Financial Debit Card on Zelle.
It’s easy! Just log into Online Banking, click the Bill Payment link on the left menu, click on Enrollment Options, and then follow the steps.
Once your enrollment is received and processed you’re ready to start enjoying the convenience of Bill Payment.
The CheckFree Bill Payment program is focused on making your payment on time, every time. CheckFree assumes the risk in paying your bill, whether or not the funds are available in your account. In the case of the payee receiving a paper check, CheckFree will mail the check prior to your due date to ensure it arrives on time and will not debit your account for that check until the due date. If your payee receives payments electronically, CheckFree will credit the payee on the due date you have indicated and then debit your account on the same day. If there are non-sufficient funds in your account, you will be responsible for an NSF fee. Your account could receive up to two NSF fees as CheckFree attempt to debit your account once more the following business day. CheckFree will attempt to recover the funds from your payee. If CheckFree is unable to recover the payment, your bill pay privileges will be frozen until you have paid them the money you owe them. Please review our Fee Schedule for current NSF and Uncollected Funds fees.
Yes! If you have not already, we recommend that you set up overdraft protection on your account. If you pay a bill and have non-sufficient funds to cover the bill, you are subject to the same NSF fee as if you wrote a check and didn't have the funds to cover it. With overdraft protection, you can protect your account from non-sufficient funds by using your Share Savings, Money Market, another checking account or Visa to back up your Checking account. Contact the Credit Union to set up your overdraft protection.
- E-Bills are regular statements delivered electronically by your Payee/Billers. You'll typically receive them at the same time each month you would receive a paper bill. You can pay them automatically with Auto-Pay (under a certain dollar amount), or pay them manually within Online Banking.
- When you set up a payee in Bill Payment, you will have the option to set up E-Bills. To add E-Bills to an existing payee, go to the Payment Center (Bill Payment home page). Within the Payment Center and the "Pay a Bill" box, you'll see a list of payees. To the left of each payee name, an icon that says “Get Bill” will appear if an E-Bill is available.
- Please note that you'll no longer receive a paper bill if you opt into E-Bills. However, you can print your E-Bill statement for your records.
No, you can simply shred or destroy it. Our system provides all the necessary information to your payee. We encourage you to try our E-Bills, which are available through Bill Payment on some of your payees. You will see a "Get Bill" icon next to those payees. This will help you eliminate the paper bills coming to you in the mail.
Contact our Bill Payment provider, CheckFree, directly at 800.877.8021 between 4 am to 10 pm PT seven days per week. CheckFree guarantees payment of your bill by the payment date you indicate.
Recurring payments are automatic payments of the same amount. You do not have to re-enter a new payment each month. These payments can be scheduled for one of several frequencies:
- Weekly, every 2 weeks, monthly, every 2 months, every 3 months, every 6 months, annually
Yes, you can review, change, or cancel a payment at any time before it is processed. Payments may be processed up to 5 days in advance of the payment due date entered by the user.
This is our current payment schedule:
- Payments to electronic payees are delivered in 2 days
- Payments issued by check are delivered in 5 days
- When you schedule a payment, the payment calendar indicates the earliest available payment date
- Approximately 77% of payments to businesses receive payments electronically
That depends on whether the payee receives electronic payments or checks. Electronic payments post in 2 business days. Payees that receive payments by check will display as having a lead time of 5 days. Once the checks are mailed, we have no control over how long it takes your payee to debit your account. Paper checks may clear earlier than the pay date selected by the account holders(s) since they may be deposited by the payee upon receipt.
As long as you access the Bill Payer service at least once every 12 months, your billers and payment history will remain active and available.
Most payments to major billers and utility companies are sent electronically. These payments will typically be withdrawn from your account on the same date you select for the biller to receive your payment. Other payments are sent via a paper check drawn on your account. The checks will generally debit your account a couple of days following the date the check is deposited/cashed by your biller. These types of payments are typically for smaller merchants such as a gardener, pool cleaning service, medical bill, etc. Please note that paper checks may clear an account earlier than the account holder anticipated (including earlier than the pay date selected by the account holder), since they may be deposited by the payee upon receipt.
Most paper check payments are cleared through your account and you will be able to view these check images within Online Banking and print them. The easiest way to find copies of these checks is by finding the transaction by clicking on History, then finding the transaction and clicking on the check icon to view the check. You may also enter the check number to search for it in the box above your transaction history. If you cannot find a copy of your check, the Credit Union still may be able to provide it. Just call the Credit Union (800.527.3328) and ask for copies of the check. Please refer to our Fee Schedule for our check copy fees
If your payment has not yet been sent by CheckFree to your biller you should see a “Cancel” button next to the payment. There’s no fee to stop the payment by clicking the cancel button. If the cancel button is not showing next to the payment, call the Credit Union directly to stop the payment (800.527.3328). Stop payments on transactions that have already been sent to the biller are subject to the Credit Union’s stop payment fee. View our Fee Schedule for the current stop payment fee.
You can make payments to virtually any business or individual in the United States. Exceptions include:
- Tax payments
- Court ordered payments
- Payment to payees outside of the United States
- Payments to other institutions for the purpose of making a deposit
Bill Payment is fully secure. It is recommended by security experts over paper bills to help protect against check fraud and identity theft.
SSL (secure sockets layer) and 128-bit encryption ensures that your connection and information are secure from outside inspection, making information unreadable as it passes over the Internet
This security protects your use of all the products offered in Online Banking (Bill Payment, eStatements, and Popmoney).
If you have an account with us, your routing number is 322276855.