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Bill Pay FAQs

Find answers to some of the most common questions about Bill Pay.

U.S. Bank Bill Pay is a secure online service, available in both Online and Mobile Banking, that lets you make payments to almost anyone in the United States from your U.S. Bank checking or money market savings account. With Bill Pay, you can pay bills individually (or many at once), schedule payments for the date of your choice, set up recurring payments, and sign up for paperless eBills.

Getting Started

  • From the My Accounts page, select "Pay External Bills" on the left side of the page under I’d Like To…. On the Pay Bills page, select the Add a New Biller button at the top of the page. You have the option to search for a biller or enter your biller information manually.

    Please note: Safe Debit Accounts do not allow paper checks. Because billers you add manually only accept papers checks, you may not use Safe Debit Accounts to pay these bills.

  • You can pay almost any company or person with a U.S. mailing address. If your biller happens to be a person, we send them a paper check.
  • When you pay your bills from your account in Online and Mobile Banking, we send the payments directly to your billers. Most payments are made electronically because that’s how most companies are set up to receive them. For companies that don’t accept electronic payments, we send a paper check via U.S. mail.

    Please note: Safe Debit Accounts do not allow paper checks. Safe Debit Accounts can only be used to pay billers who accept electronic payments.

  • There are two options for delivery:
    • Standard Delivery: For all billers, Standard Delivery is available and payments can usually be made within 1-2 days for electronic checks, or up to 3-4 days for a paper check. There is no charge for Standard Delivery. The calendar will automatically display the earliest Standard Delivery payment date available. You can choose that date or schedule another. The date must be a business day.
    • Express Delivery: For most billers, we also offer Express Delivery, which includes same-day and overnight delivery options for a fee of $14.95. If Express Delivery is available, you’ll find this option when choosing a payment date in the calendar.
  • Bill Pay is free as long as you use the Standard Delivery option. If you need to send a payment faster, you can use Express Delivery and send it same-day or overnight (for most billers) for a fee of $14.95.
  • Yes. U.S. Bank offers a variety of email or text reminders, called Account Alerts, for the bills you pay.
  • Once you’ve set up a biller, it will appear in your biller list when you select Pay External Bills. Click anywhere on the biller panel for any biller to expand information about that biller. Select “Manage Biller Alerts” under “Biller Information” in the right-hand column to set alerts for that biller.

Scheduling Payments

  • When you’re paying a bill, a calendar automatically displays the earliest Standard Delivery date available for when the biller will receive payment. You can choose that date or schedule another. The date must be a business day.

    If you need to make a payment faster than the Standard Delivery options allow, there are same-day or overnight payment options available for most billers for a fee of $14.95. You’ll find Express Delivery options (if available) when choosing a payment date in the calendar.

    You can also schedule recurring payments (for example, automatic weekly or monthly payments) by clicking anywhere in the biller panel to show more information about that biller, and then selecting “Set Up Recurring Payment”.

    Note: Express Delivery payments are not eligible for the recurring payment option.

    Please note: Safe Debit Accounts automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made. Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

    • Select Transfers & Payments at the top of the page, and then select Make a Payment. From the dropdown menu that appears, select External Bills.
    • Find the biller whose payment you wish to cancel, and click anywhere in the biller panel to show more information about that biller.
    • Under Scheduled Payments, select “Edit/Cancel Payments.”
    • Scheduled Bill Payments will display. Next to the specific payment, select "Edit" or "Cancel."

    Note: Express Delivery same-day payments can’t be canceled once they are submitted. Safe Debit Accounts can only edit the amount of the payment.

    • Select Transfers & Payments at the top of the page, and then select Make a Payment. From the dropdown menu that appears, select External Bills.
    • Find the biller whose payment you wish to cancel, and click anywhere in the biller panel to show more information about that biller.
    • Under Scheduled Payments, select “Edit Recurring Payment.”
    • On the Edit/Cancel Payments screen, select “Edit all future payments” or “Cancel all future payments.”

    Please Note: Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

  • We recommend setting up payments 5 days before the due date to allow enough time for the biller to process and post the payment to your account.

    Please note: Safe Debit Accounts automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made.

  • Yes. Payments are guaranteed to be accurate and delivered by the payment date you select as long as your accounts are sufficiently funded, all payment information is entered correctly and the payment is scheduled to arrive by its due date.

    Should I allow lead time when setting up payments to ensure they’re delivered by the selected delivery date?

    For Standard Delivery payments, we recommend that you log in at least 5 days before your bill is due to schedule your payment. Here’s why:

    • For billers that require payment by paper check, the bank needs up to 5 days advance notice to process and mail the check.
    • By setting up your payment in advance, you can be sure the due date will be available (any later and it may not be an option).
    • This does not mean you need to pay your bill ahead of its due date, only that you set up the payment in enough time to arrive by the due date.

    If you need a payment to arrive faster than the Standard Delivery option allows, there are same-day or overnight payment options available for most billers for a fee of $14.95. You’ll find Express Delivery options (if available) when choosing a payment date in the calendar.

    Please note: Safe Debit Accounts do not allow paper checks and automatically default to the standard delivery payment date which is the earliest date the electronic payment can be made. Safe Debit Accounts do not offer express delivery, same day, future-dated or recurring payment options.

  • This can happen occasionally because some payments are made by a paper check. The paper check is placed in the mail up to 4 days prior to the payment date to ensure it’s delivered and processed on time. Some merchants process the check as soon as they receive it, which results in an earlier payment. Note: If you incur any fees as a result of a payment that clears earlier than you planned, please contact us at 800-987-7237.
  • When you use the calendar within Bill Pay to choose delivery times, it will display Express Delivery options that are available based on the biller you choose and the time you are submitting the payment.

    Based on the biller you choose, some payments will be eligible for same-day and some for overnight delivery for a fee of $14.95.

    • The cutoff time for same-day delivery varies based on the biller. You’ll find cutoff-time information when choosing a payment date in the calendar.
    • The cutoff time for overnight delivery is 3 p.m. CT. Overnight payments are sent in the form of a check by U.S. Bank.
  • Most scheduled payments are sent electronically, and funds are withdrawn from your account on the payment date you select. If we send a check, the money is usually withdrawn when the company or person cashes the check. Note: If you incur any fees as a result of a payment that clears earlier than you planned, please contact us at 800-987-7237.
  • We show you how the payment will be sent when you’re setting up the payment.

eBills

  • eBills are electronic versions of your paper bills and are available from more than 600 companies. If you choose to receive eBills, they are sent securely to your online account instead of through the mail.
  • Once you set up a biller, click anywhere in the biller panel, to expand information about that biller.If eBills are available from the biller, you’ll see a link to “Set Up eBills” in the third column under eBills. Follow this link and provide the requested information to receive eBills from that biller.
  • You will see a note in red text beneath the Amount field for that biller stating "eBill Reminder: $xx.xx due on mm/dd/yyyy." You can also select the Payment Details link or the arrow next to the biller’s name to expand information about that biller, including upcoming eBill payments.

Not finding what you’re looking for? Try these helpful resources.

Mobile Banking FAQs

Mobile Banking FAQs

Learn how to transfer funds, deposit checks, pay bills, send money, and text for balances and transaction history with Mobile Banking from U.S. Bank.

Customer Service

Customer Service

Our Customer Service page has basic information and helpful how-to links for the most popular features of U.S. Bank Online and Mobile Banking, along with phone numbers for additional help.

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