No Stamp or Envelope Required
It’s Me 247’s bill pay features allow members with a checking account to quickly and easily pay their bills online. Digital payments can be set up to major companies and utilities, or a paper check can be sent to a person or company not set up to receive electronic payments, like a landlord or family member.
Bill Pay Features
- Full integration within online banking
- Full mobile functionality for your phone or tablet
- Ability to configure email alerts
- Real-time access to checking account balance
- An intuitive, user-friendly experience
- P2P payments (person-to-person payments) to any individual in the United States
How do I enroll?
If you have a Ripco Credit Union checking account in good standing, you’re eligible to enroll. Simply log into It’s Me 247 and under the “Quick Pay” tab on the left of the Screen, click on “Enroll in Bill Pay.”
You can also enroll by clicking on the “Pay and Transfer” tab near the center at the top of your It’s Me 247 starting page and then clicking “Enroll in Bill Pay.”
How do I add payees?
You can set up your payees in the “Pay & Transfer” area of It’s Me 247 by clicking on “Add Payee.” Depending on how many payees you have, you may wish to add payees as you pay individual bills, or you can add them all in at once. In either case, please enter the information carefully to ensure accurate payment processing.
When you schedule payments, they will be deducted from your Ripco account on the day the digital payment occurs or on the day the check is presented for payment.
How long does it take for a payment to process?
When scheduling digital payments, you will pick the day you want your payment to be processed. You will notice that we display the estimated delivery date for your convenience.
If your payment is due by 8/11/17, you would need to login before your due date and schedule your payment. You will pick the day that you want your payment to be processed. For a digital payment due on 8/11/17, you should send the payment on or before 8/10/17.
In the case of a paper check payment due 8/11/17, you should send that payment no later than 8/2/17 (seven business days prior). The system provides an “estimated” payment date, but unless your payment is going to a company that is set up on the system to receive electronic/ACH payments, we have no control over the exact date your paper check will clear your account.
You are responsible for choosing appropriate payment dates. Payments made by paper check are mailed via postal mail; the “estimated delivery” date is not a guarantee and is outside of the control of Ripco Credit Union. We are not responsible for late charges incurred due to late arrival of paper checks or for digital payments not made due to insufficient funds.
How much does bill pay cost?
Ripco’s bill pay is free when you choose e-statements and use bill pay to pay at least one bill (and no more than 10 bills) each month at least once per calendar month.*
*There will be no charge for initial enrollment and for the first 10 bills paid/checks issued via It’s Me 247 Bill Pay in any month. After that, there will be a fee of $0.50 per item for any bills paid/checks issued via bill pay in excess of 10 in any statement period (calendar month). The $3.95 monthly fee for bill pay will be waived when the account is enrolled in e-statements. A $4.95 inactivity fee is assessed only if you are enrolled in bill pay and make no digital payments in a calendar month. If you do not use your bill pay service for 60 days, your enrollment may be cancelled due to inactivity.
What are P2P payments?
With P2P payments (person-to-person payments), you can electronically send money to any person in the United States. You’ll be asked to specify how you wish to send the payment — either with a secure text message or email communication — and you will be guided through the steps necessary to complete the transfer. Ripco does not charge a fee for this type of transaction. P2P payments are only available to members who are enrolled our bill pay service.