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BillPay by FNBO
FNBO is modernizing its BillPay and payment capabilities to provide a clearer, more intuitive experience for managing your money.
These enhancements improve how transactions appear, expand self-service options, and give you greater transparency into your payment activity.
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Answers to Your BillPay Questions
- FAQs
- BillPay conversion FAQs
- Transfer Questions
- Loan and Line of Credit Payment Questions
Online: Pay & Transfer > Pay Bills > Activity > ⚙ > Settings > Default Funding Account
Mobile: Pay/Send > Pay Bills > Activity > ⚙ > Settings > Default Funding Account
Your individual profile and scheduled payments are only visible to you when they are in a pending/scheduled state. Once the payment processes, it is visible in the account details for all account users.
No. If a customer makes a Zelle transaction using an Account and Routing Number, payee does not need to enroll in Zelle.
The payment method is determined by the payee's capabilities to receive electronic payments. When you add a payee, our system automatically validates whether they can accept electronic payments. Based on this validation, the system will display how payments to that specific payee will be sent, either electronically or via paper check, so you can plan accordingly and understand expected delivery times.
Send/Scheduled Date - For electronic payments, this is when funds are withdrawn from your account.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 payee receives the funds. For check payments, this is the expected date the payee might receive the check.
It depends on the payment method. If the payment is sent electronically, it's generally delivered to the payee 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 and send date after 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. The date funds leave your account automatically adjusts to an earlier date 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. For transfer funds are available on the scheduled date.
To place a stop payment on your account, please contact an Online Banking Representative at 402-342-2265 or 800-642-0014.
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 payee.
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.
During conversion, a payee with missing or incorrect information may not have been set up in the new system.
Online: Pay & Transfer > Pay Bills > Add Biller
Mobile: Pay & Transfer > Pay Bills > + Sign
Possibly. The method (electronic or check) may change with the new system. You should review the payment method associated with your converted payments and make adjustments as needed to allow sufficient time for delivery.
The system requires: name of payee, mailing address, phone number, and customer/account number (if paying a business). Payees without this complete information may be placed on hold or may not convert fully.
Payees may be placed on hold due to incomplete or outdated information. If this happens, you'll need to update the payee information, and scheduled payment deliveries may be impacted.
Scheduled payments are now assigned to individual account holders. If you have a joint account, check with the other account holder(s) – the payment may have been converted to their login profile. In certain circumstances, payments may not have been converted to our new BillPay system and may need to be re-established. Use the demo walkthrough to see how to set up a payment.
Access to BillPay is complimentary with any FNBO checking account, however some fees apply:
- BillPay Expedited Check Fee A $35 fee will be assessed when expedited processing is selected for an eligible outgoing check payment.
Possibly. Some BillPay payments may have changed from electronic to check delivery during conversion. Here's what you need to know:
- Review your scheduled payments - Log in to your account and check your upcoming BillPay payments to confirm their current delivery method.
- Electronic delivery isn't going away - Electronic payment delivery remains a fully supported option. This change was specific to the conversion process and does not reflect a permanent shift away from electronic payments.
The new BillPay network includes the most commonly paid payees as well as additional registered payees. You will be able to continue to pay electronically as long as you are not paying using an account and routing number, your payee accepts electronic payments, and your account number fits the requirements for electronic payments.
In the new experience, the payment type, whether electronic or check, will be listed under the payee name in the Pay Bills tab.
Yes. You can search previous bill payments within account details by searching "billpay" or by keyword. You can see up to 2 years or 1000 transactions.
Historic statements are also available and did not change during conversion.
Transfers will be unavailable periodically during the weekend of July 24-26.
One-time transfers before 10:00 PM CT are processed immediately. One-time transfers on or after 10:00 PM CT are processed the next business day, though funds are available immediately and viewable on the account details page.
Recurring and future-dated transfers begin processing at 7:00 AM CT on the scheduled date and are credited on the scheduled date. Funds are available on the scheduled date.
Transfers on weekends and holidays begin processing on the scheduled date and are credited the next business day. Funds are available on the scheduled date.
You can view the history of your account to see all scheduled transfers (primary and joint). However, the scheduled transactions on the 'View Activity' page will be specific to individual owners of the account.
One-time payments before 10:00 PM CT are processed and credited immediately. One-time payments on or after 10:00 PM CT are processed immediately and credited the next business day.
Recurring and future-dated payments begin processing at 7:00 AM CT on the scheduled date and are credited on the scheduled date.
Payments on weekends and holidays begin processing on the scheduled date and are credited the next business day.
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