- What is
Stark Federal Credit Union’s online bill pay program. Pay
all of your bills in minutes instead of hours while saving money on
stamps, checks, envelopes and trips to the post office.
- How do I
sign up for iPay?
on to SAFE@home and click “iPay” in the top menu bar.
You may then fill out the enrollment application.
These applications are reviewed daily. A
Stark Federal Credit Union member service representative will email
you as soon as your iPay account is set up.
- How much
does iPay cost?
iPay is free to Stark Federal Credit Union members with checking
- How are
Payments are sent two ways: electronic and paper check. On average,
electronic payments are sent to more than 70 percent of payees. For
payees who can only accept checks, the subscriber’s account is
debited electronically and an authorized paper check is issued on
behalf of the subscriber.
- What are
the benefits of electronic payments?
Electronic is the fastest payment method for subscribers and greatly
reduces the risk of human error. Electronic payments are received by
the payee within 2–3 business days.
- I don’t
think my payee will be able to receive an electronic payment.
Will I still be able to send a payment with iPay?
If the payee is unable to receive an electronic payment, iPay
will mail a physical check from your account. With
iPay, you can pay virtually anyone with a current address within the
continental United States, Alaska, Hawaii and Puerto Rico.
- I just
made a payment with iPay, but the money is still showing in my
account! What do I do?
The funds will not instantly be deducted from your account.
You will have until 4:00 PM EST to stop or change the
- Can I
transfer money to my account at another financial institution?
Yes. Select “Add a transfer account” and fill
in the appropriate information. You will need to
know the other financial institution’s routing number.
- Can I make
payments from my share (savings) account?
Federal government designates savings accounts as non-transaction
accounts, meaning they cannot be used for automatic deductions.
Therefore, only checking accounts may be used with iPay.
- I sent too
much money to a payee. What do I do?
have until 4:00 PM EST to change the payment on the day it’s
scheduled to go out. Otherwise, you may contact
the payee about receiving a credit for the difference.
- I sent too
little to a payee. What do I do?
it is past the cut-off point of 4:00 PM EST, you can send a second
payment with iPay. You may want to contact the
payee to let them know what happened.
- Are online
bill payments guaranteed?
Online bill payments are not guaranteed by the US Postal Service or
Automated Clearing House Network (ACH). However, online bill pay off
ers a payment success rate of 99.99 percent and greatly reduces the
risk of human error. In the event a check payment is not received,
our online bill pay support will stop and re-issue the payment, as
well as provide proof of processing to the payee. Online bill pay
also provides a history of your payments and payment information is
integrated directly into account statements.
- When can
payments be scheduled?
Payments may be submitted at any time, day or night. All payments
should be scheduled according to process date and not according to
due date. For example, payments should be scheduled to process
before the actual due date. Estimated arrival times are
automatically displayed during the scheduling process. We recommend
scheduling first payments in advance to ensure timely delivery.
Payments are electronically debited from your account on the process
date. For same-day processing, please schedule payments before 4:00
- Is online
bill pay secure?
iPay is recommended by security experts as one of the safest ways to
pay your bills. According to research, 90 percent
of identity theft doesn’t occur through the Internet.*
Identity thieves still use tried and true methods of stealing
mail or discarded trash. Combined use of online
banking and iPay helps to protect consumers against identity theft
and check fraud. For additional security, iPay
requires 128-bit encryption and personalized log-in information.
- Will my
bills get paid faster than if I sent a check?
Not necessarily. Although iPay is more convenient
and cost effective than mailing a physical check, please allow 5-7
business days for the payment to reach the payee.
- I am using
your Direct Payment program to make some payments like for my cable
and gas bills. Will iPay replace this service?
No, iPay will not replace Direct Payment. There
is no action required to change your automatic payments set up
through Direct Payment.
with all the security questions?
The security questions are another level of security in iPay beyond
a username and password. We simply want to make
sure that you are you.
- The payee
is saying they received the payment late. What do
Call 866-812-5982 to speak to an iPay representative. Remember,
however, that payments can take up to 7 days to reach the payee.
Please leave plenty of time for the payment to arrive.
- Can I use
iPay with my cell phone?
iPay does not support cell phone options at this time. Most
security experts recommend not using your cell phone to transmit
private account information using a cell phone.