U.S. Bank Bill Pay

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.

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

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.

No. There is no limit to the number of bills that can be paid with bill pay.

Bill pay is free when you use the standard delivery option. If you need to send a payment faster, you can use express delivery for a fee of $14.95 to send it on the same day or overnight (for most billers).

We recommend setting up payments at least five days before the due date to allow enough time for the biller to process and post the payment to your account. Some merchants process paper checks as soon as they receive them, which can result in an earlier bill payment than you requested. If you incur any fees due to a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.

There are two options for delivery:

• Standard delivery: Standard delivery is available for all billers, and payments can usually be made within 1-2 business days for electronic delivery, or 5-6 business 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 offer express delivery for a fee of $14.95. With express delivery, your payment will be made on the same day or overnight, depending on when you submit it and the biller’s cutoff time. If express delivery is available, you’ll find this option when choosing a payment date in the calendar.

This can happen occasionally when a payment is made by a paper check. The paper check is placed in the mail up to five business 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. If you incur any fees due to a payment that clears earlier than you planned, please contact us at 800-987-7237.

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. If you incur any fees due to a payment that clears earlier than you planned, please contact us at 800-987-7237.

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.

For standard delivery payments, we recommend that you log in at least five business days before your bill is due to schedule your payment. (This does not mean you need to pay your bill ahead of its due date, only that you should set up the payment enough in advance to arrive by the due date.)

Here’s why:

• For billers that require payment by paper check, the bank needs up to five business days’ notice to process and mail the check.
• You can be sure the due date you choose is available by setting up your payment in advance.

Note: Some merchants process paper checks as soon as they receive them, which can result in an earlier bill payment than you requested. If you incur any fees due to a bill payment that is processed earlier than you requested, please contact us at 800-987-7237.

Yes. U.S. Bank offers a variety of email reminders, called account alerts, for any of the billers you have added in bill pay.

An email alert can be sent when:

• Payment is due
• Payment is pending
• Payment has been sent
• Reminder before the final payment in a recurring series is sent
• E-bill is received (e-bill enrollment required)

To set up biller-specific alerts in bill pay, log in to online banking, choose the Pay External Bills link on the left side of the page, and select the Manage Alerts link. Then select the desired biller from the drop-down menu and select Manage alerts to select the alerts you want to recieve.

Yes. For bills that are due on a regular schedule in predictable amounts, you can set up recurring payments to make paying those bills automatic.

To change or cancel a one-time payment:

1. Select Payments at the top of the page and then select External bill pay
2. Find the biller whose payment you wish to cancel or change and click anywhere in the biller panel to show more information about that biller.
3. Under Scheduled payments, select Edit/Cancel payments.
4. Next to the specific payment, select Edit or Cancel.

Please note: Express delivery same-day payments can’t be canceled after they are submitted. Safe Debit Account holders can only edit the amount of the payment.

To change or cancel a recurring payment:

1. Select Payments at the top of the page and then select External bill pay.
2. Find the biller whose payment you wish to cancel and click anywhere in the biller panel to show more information about that biller.
3. Under Scheduled payments, select Edit recurring payment.
4. On the Edit/Cancel payments page, select Edit all future payments or Cancel all future payments.

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

If you have a question about a payment you made or believe there has been an error, log in to usbank.com, select the Pay external bills link on the left, then select the Past payments tab. Find the payment in question and select the View detail link. Or, call our 24-Hour Banking number at 800-US BANKS (872-2657), seven days a week.

We send electronic payments to billers that accept them. For companies that don't accept electronic payments, we send a paper check by U.S. Mail, which takes more time to deliver and process.

You can determine which type of payment will be sent based on the available payment dates displayed in the scheduling calendar when you set it up. If your first available payment date in the scheduling calendar is:

• Two business days away or sooner – the payment will be sent electronically.
• Five business days – the payment will be sent via paper check.

No. After a payment is set up, the biller will receive a payment just like they would from you. Be sure to double-check that you’ve entered the correct account number and a current address.

E-bills are electronic versions of your paper bills and are available from hundreds of companies. If you choose to receive e-bills, they are sent securely to your account in online and mobile banking instead of through the mail.

After you set up a biller, click anywhere in the biller panel to expand information about that biller. If the biller offers e-bills, you’ll see a link to Set up e-bills in the third column under E-bills. Follow this link and provide the requested information to receive e-bills from that biller.

You will see a note in red text beneath the Amount field for that biller stating the amount and date the e-bill is due. You can also select the Payment details link or the arrow next to the biller’s name to show more information about that biller, including upcoming e-bill payments. To receive timely email reminders, set up an “E-bill due” account alert for each biller you pay.