Pioneer Trust Bank has finished our conversion from iPay to CheckFree for Bill Pay Services. The primary motivation for the switch in providers was to provide a more tightly integrated Bill Pay experience for our Online and Mobile Banking users.
There are a few browser bugs that Checkfree is rolling out fixes for this week. However, the product is now live for both Online Banking and Mobile Banking. While we understand that nobody likes to deal with the disruption that change causes, we hope we have minimized the pain points and are able to provide a more robust set of online services to you, our customers.
You will notice when you sign into Online Banking or Mobile Banking that you are presented with some additional options.
In Online Banking, you will now be presented with a new Bill Pay/Pop Money widget. You will notice that this widget has a tab at the top that allows you to choose between Pay Bills and Pop Money.
Pay Bills – Online Banking
This allows for quick payments to any existing payees that you already have set up. Simply choose the payee from the Bill drop down list, select the date you want to make the payment, type the payment amount, and click Make Payment. If you need to set up new payees or perform more complex transactions, you can click the Advanced Payment Options link and walk through the tutorials. You can also find more details about payment history, delete payees, etc.
Pop Money – Online Banking
Pop Money allows you to send payments directly to friends and family via the ACH network. This is a very similar product to what you see on the BofA and Chase commercials on TV. Large clients utilizing the Pop Money product are Citibank, US Bank, PNC Bank, and Ally Bank. Currently there are roughly 1400 banks utilizing the product and it interoperates with major players on clearXchange the other large payment network.
Sending money through Pop Money is very easy and typically much cheaper than Paypal. You can add contacts or if you are on your mobile device, you can allow the application to access your contacts on your phone and use that contact information (email or cell number) for delivery of payment.
Once a contact is set up, you type in the amount you want to send, a personalized message and the click Send Money.
Once a contact has been set up, you will get an email notification from Pop Money letting you know that one has been set up for your account to the email address you are utilizing for online banking. This acts as a verification mechanism for you and as a first tier for fraud notification.
If you would like more detail about transactions, managing contacts, etc., click on the Advanced Payment Options. Again, you will be taken to a page were you can manage all Pop Money related items, including Activity, Managing Contacts, etc.
Pay Bills & Pop Money – Mobile Banking
The biggest benefit to to you as a customer is tight integration into Mobile Banking. The most requested items by users has been for Mobile Banking to integrate with Bill Pay and Remote Deposit capability. This migration has addressed the first of those request items. We expect to have Mobile Remote Deposit available later this year.
Bill Pay is now available for iOS (both iPhone and iPad) as well as Android. The product is fully integrated back into online banking and pulls from the same list of payees for Bill Pay and the same list of contacts for Pop Money. The product is incredibly easy to use through mobile devices and unless one needs to add new payees for Bill Payment, or needs to pull a Bank Statement with images, there is no need to sign into Online Banking.
If you haven’t already, you must sign into Online Banking and accept the updated terms and conditions before this functionality will work properly on your Mobile Device.
We are only showing screen captures from the iPhone. Android and the iPad look very similar to this and use the same mechanisms.
You will now notice a new button in Mobile Banking labelled Payments. From here you can choose to Pay Bills or Pay Other People. Simply choose the option you want and walk through the steps.
When you choose to Pay Bills you will be presented with the following screen. If you choose Make a Payment, you will be taken to a screen to select a Biller and input payment information (amount/date) before submitting the payment.
When you choose Pay Other People you are presented with the following Options. To Do’s are notifications and action items around incoming payments. Send Money allows you to send money to other people, while Activity shows any Pop Money activity on your account.
When you choose Send Money, you are given the ability to select contacts from your pre-defined lists or you can add a New Contact or add a Contact from your Mobile Device. You will also see a list of your existing Pop Money contacts. You also choose from whatever account(s) you have linked to Pop Money, type in the amount, send a personalized message.
As we indicated in the Billpay letter to existing customers, this service is not free. The fees assessed with the transfer are tiered depending on the dollar amount sent. All fees are clearly indicated before you submit the transaction and you must click to accept the fee in order for the transaction to process.
In this case, I am sending $20 to Cody via email. I could also have sent payment via text.
As always, if you have any questions, comments, or concerns, please let us know. We hope the deeper integration into Mobile Banking and Online Banking services is of value.
If you should have any questions, please contact one of our Online Banking representatives at 503-480-1929 or you can call our dedicated Bill Pay & Pop Money Support number at (855) 744-4740.
We value our relationship and hope these changes continue to demonstrate our commitment to you, our customers.