The Wilton Bank

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.

Q: How much does bill payment cost?
A: Bill payment is completely FREE. There are no monthly fees: pay as many bills as you like.

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payments scheme is designated by a 'Final Payment Date'.

Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy!

The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevent the registration process from proceeding.

Once the disclosure is agreed to, you complete the online registration form. The registration form is then forwarded to us for review. We are responsible for checking the information on the form. If approved by us, you will receive a confirmation email. The registration information is then transmitted to Metavante Data Services for their approval process. After the application is processed by Metavante, you will receive another email stating that Bill Payment has been enabled and the next time you login to Internet Banking you can begin paying bills online. The entire process takes approximately 3-5 business days.

Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q: Can I use electronic bill payment with all my accounts?
A: No, only one (1) checking account can be designated for bill payment. You designate which account you want debited to pay bills online in the application for bill payment..

Q: When can I start using electronic bill payment?
A: You can begin bill payment once you have received the second email stating that bill payment has been enabled. The entire process takes approximately 3-5 business days..

Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management application when the transaction history is downloaded.

Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the internet with a secure browser and you can pay bills while you are out of the country. Payees must be located within the 50 United State and Territories.

Q: Is there a limit to the number of bill payment accounts I can set up?
A: Yes, you are limited to one bill payment account.

Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bill on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment in the same weekend. This is because payments scheduled for the weekend are always processed in the Friday before. Therefore, when scheduling payments on the weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday , Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.

Q: What if I do not have sufficient funds on the day Metavante Data Services, our bill providers, debits my account?
A: Following is a summary of Metavante Data Service's Insufficient Funds procedure:

A block will automatically be placed on all accounts that have an ACH debit returned to bill payments services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to The Wilton Bank. For further information, click here.
Upon the first return, Metavante Data Services will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
Metavante Data Services will contact The Wilton Bank to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are available and if the payment was made by check, a stop payment will be placed.

Yes, they are all sent out at the same time.

Your account is debited via ACH.

Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

If you select an electronic payee with a address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

If you select an electronic payee with the address that matches that indicated on the payment coupon, and Metavante routes the payment incorrectly, then Metavante data services will take responsibility for the late fee.