Bill Pay

FAQ

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 the 11th of the month, 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 the 11th, you should send the payment by the 10th of the month (or day in advance).  

In the case of a paper check payment due on the 11th, you should send that payment no later than the 2nd of that same month, or 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 for all Ripco members with checking accounts in good standing who use bill pay to pay at least one bill (and no more than 15 bills) per calendar month.*

*There will be no charge for initial enrollment and for up to 15 bills paid/checks issued via It’s Me 247 Bill Pay in any month. A $5.95 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 90 days, your enrollment may be cancelled due to inactivity. NOTE: If you are unenrolled due to 90-day inactivity, you will be able to re-enroll, but your bill pay history and your payee information will not be saved. 

Additionally, understand that 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 the Credit Union.  Ripco will not be responsible for late charges incurred due to late arrival of paper checks or for payments not made due to insufficient funds.

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.