eBills

What is an eBill?

An eBill is an electronic version of your paper bill delivered to you directly in your 360 Checking Bill Pay. Hundreds of billers, including utilities, retailers and credit card companies, make their bills available online through Bill Pay.

So instead of collecting all those paper bills or logging into all your biller's website and remembering your passwords, you can get all your bills in one spot. Talk about convenience. You reduce clutter and the risk of identity theft. Plus, you can set up automatic payments or schedule payments for a specific amount when the eBill arrives.

I see the eBill icon next to a company, but when I try to set up the eBill, it won't let me. Why?

There are several possible reasons:

1. The account number that’s used for electronic bills may not be the same account number required for eBills. For example, some telecommunications companies (e.g. Verizon) allow you to enter your phone number as your account number when setting up a payment, but need the full account number, which includes a few additional digits, in order to set up eBills. You can find the full account number on your statement and enter that number in the eBill sign up screen.
2. You may be enrolled in an eBill for that company with another bank. You can only be enrolled in an eBill for each bill at one bank. If you want to enroll in an eBill through 360 Checking, you’ll first need to sign in to your other bank account and cancel the eBill service. Twenty-four hours later, you should be able to enroll in the eBill through 360 Checking.
3. The company may reject the enrollment (you’ll receive an email from us telling you that the enrollment failed) if:
   • You’ve locked yourself out of your online account with the biller
   • You’re past due on payments to the company

If this occurs, it’s best to contact the biller directly to find out what the problem is and resolve it, then try again to sign up for the eBill.

I just signed up for an eBill, but the green eBill ’Sign up‘ icon is back. Why?

This usually means the company rejected the enrollment (you’ll receive an email from us telling you that the enrollment failed) if:

1. You’ve locked yourself out of your online account with the biller
2. You’re past due on payments to the company

If this occurs, it’s best to contact the biller directly to find out what the problem is and resolve it, then try again to sign up for the eBill.

I just signed up for eBills - it says I have a past due bill, but I paid it with my 360 Checking.

Chances are you did pay the bill.  To confirm payment, click on your 360 Checking from the 'My Accounts' page and look for the payment in the ‘History’ section.

This may occur when you pay your bill using 360 Checking (or using an external bank account) before the bill is actually due and then enroll in eBills. We generally determine that a bill has been paid on whether it was sent after the eBill is received. The eBill was most likely delivered after the payment had already been sent.

To make the red notice go away, you can either:

• Wait until 5 days after the bill due date when the reminder will automatically disappear
• File the by bill clicking on the ‘eBill Due’ icon in the Bill Pay Center and selecting ‘File Bill’ 

When does the automatic payment option become available for eBills?

You won't see the option to set up automatic payments until after the first eBill is received. However, some billers don’t offer the recurring payment option to automatically pay the full amount due each bill, which usually varies from bill to bill. Instead, you’ll have to choose the automatic payment option to enter a set recurring amount in order to have your bill paid automatically.

My eBill is showing as due even though I have an automatic payment set up. Why?

Some billers offer eBills but don’t offer the option to automatically pay the bill in full, regardless of the amount. So even though you have automatic payments set up for a set recurring amount, the system doesn’t reconcile this with the eBill.

To make the red ‘eBill Due’ icon go away, simply click on the icon and select the ‘File Bill’ link.

Why do I have to sign in to the biller’s website to see my eBill instead of viewing a PDF?

In most cases, you’ll be able to view a PDF of your eBill through Bill Pay. However, telecommunication companies are subject to a regulation (FCC Legislation (07-22A)) that makes it necessary for them to require a Customer to sign in to view the bill.

Since many cable companies now offer telephone services too, you may encounter this requirement with cable companies (Comcast, Time Warner, etc.) as well as traditional telecommunications companies (AT&T, Verizon, Sprint, etc.)

Why can’t I sign up for eBills from a biller that I was able to get eBills from at my other bank?

Some banks will “store” required sign in information from the Customer for certain billers and sign into the biller’s website for them to gather the bill information.  For security purposes, we do not do this. Your passwords and sign in information should remain just that – yours.  You should never share them with anyone.  We are actively working with such billers to receive their bill information directly.