Your default funding account is the primary account bill payment transactions will be paid from. Savings and Money Market Accounts cannot be used to fund BillPay transactions.

To set or change a default funding account:

• Online: Pay & Transfer > Pay Bills > Activity > ⚙ > Settings > Default Funding Account
• Mobile: Pay/Send > Pay Bills > Activity > ⚙ > Settings > Default Funding Account

Scheduled payments are only visible to you on your individual profile when they are in a pending/scheduled state. Once the payment processes and funds have been debited from your account, transactions are visible in the account details for all account users.

The payment method is determined by the recipient's capabilities to receive electronic payments. When you add a biller, our system automatically validates whether they can accept electronic payments. Based on this validation, the system will display how payments to that specific biller will be sent, either electronically or via paper check, so you can plan accordingly and understand expected delivery times.

It depends on the payment method. If the payment is sent electronically, it's generally delivered to the biller on the business day following when funds leave your account. If sent via check, the process takes longer due to mailing times. When you set up your payments, the calendar view will show you the anticipated delivery date for each payment based on the payment method.

It depends on the type of payment:

• Bill payments: If your scheduled delivery date falls on a weekend or federal holiday, your bill payment will be delivered the business day prior to the scheduled delivery date. Funds may leave your account early to ensure the delivery date is met.
• Loan/LOC payments or internal transfers: Payments scheduled on weekends and holidays begin processing on the scheduled date and are credited the next business day. Funds are available on the scheduled date.

To add a biller, you'll need the following information, most of which can be found on a recent billing statement from your biller:

• Biller Name
• Your Account Number with the Biller
• Biller ZIP Code (associated with the address where payments should be mailed)
• Full Biller Mailing Address (required when the biller is not eligible to receive electronic payments)

Tip: Keep a recent billing statement handy when setting up a new biller. It's the easiest way to ensure all details are entered accurately.

Yes, you can place stop payments on BillPay issued checks through online banking.  Regular Stop Payment fees will apply.

• Electronic payments are processed and debited from your account one business day before the selected delivery date.
• Check payments are typically sent 5–7 business days before the selected delivery date to help ensure timely delivery. Funds will be withdrawn from your account when the check is presented for payment by the biller.

• Send/Scheduled Date - For electronic payments, this is when funds are withdrawn from your account. For check payments, this is when the check is issued and sent out.
• Deliver Date - For electronic payments, this is the anticipated date the biller receives the funds. For check payments, this is the expected date the biller might receive the check.

Access to BillPay is complimentary with any FNBO checking account, however some fees apply:

• BillPay Return Item Fee: There will be a $10 fee assessed if a BillPay check is returned via USPS or another nationally recognized overnight delivery service (e.g. FedEx or UPS) or if an electronic item is returned or rejected by the receiving Financial Institution or Biller.
• BillPay Expedited Check Fee: A $35 fee will be assessed when expedited processing is selected for an eligible outgoing check payment.

FNBO will never call, email, or text requesting your login credentials or other personal information. If you receive suspicious contact, please call us directly using verified phone numbers from fnbo.com/contact-us.

All Admins are provided with access to and the ability to transact for BillPay. Additional non-Admin users must be provisioned with BillPay permissions by their Admin to utilize this capability.