Bill Pay: Frequently Asked Questions

Save money and time by using online or mobile banking to pay your bills online.

What is Bill Pay?

With Bill Pay you can pay any company or person you owe.

As a more convenient option, eBills can help save you a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in Bill Pay. You can view your eBills in Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.

You can also set up AutoPay, including AutoPay for eBills, which allows automatic payments to be sent according to a schedule you set. You can change or cancel AutoPay at any time.

Provide some information about the company or person you want to pay, and then tell us how much and when you want the payment made. We send your payment electronically when possible. If the person or company can't accept electronic payments, we print a check and mail it for you.

The Payment Center lists the companies and people you can pay.

Enter a payment amount and the date when you want processing to begin. The date when the company or person receives the payment appears in the Deliver By field. You can also view and select the date from the calendar.

Pay anyone in the United Staes that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.

When you use Payment Center to send money, we send the payment electronically whenever possible. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provided.

Use Bill Pay to pay companies and people with addresses in the United States or its territories. You cannot use Bill Pay to send payments to addresses outside the United States.

We don't recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.

Yes. Bill Pay uses several methods to ensure that your information is secure.

  • SSL. Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
  • Encryption. Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out. Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.

Yes. Your personal information is used to help us maintain your account and verify your identity. We verify this information with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or credit worthiness.

Please review the Terms of Service for a complete description of when Bill Pay must disclose information to third parties.

Yes. Bill Pay follows the World Wide Web Consortium's Web Content Accessibility Guidelines (WCAG) 2.0 Level AA recommendations. The following features aim to make Bill Pay more accessible to assistive technology users:

Navigation. Skip to content links on each page let you skip the page banner and navigation links and go directly to the main content. Headings organize each page's content, and a screen reader's H key moves the focus from heading to heading. The ARIA landmark regions named banner, navigation, main, and content information let you move to defined page regions. Use the appropriate key for your screen reader. Links have detailed descriptions that can be read with a screen reader's links list.

Regions and Tabs. Some pages have regions that expand or collapse details or forms and include the words Show or Hide in their link headings. Other areas have information presented as tabs, where the left or right arrow key changes the tab, and then you can read the tab content.

Tables and Forms. A brief description of a table's content is read by a screen reader as you navigate a page. Table headers locate your place in the table, and links in the table headers let you sort the table content. Using the table cell keys, the column or row heading information is read as well as the table's data. Sort links open menus to control the display order of the table's data. The Tab key changes sort selections, and the Enter key activates your selection. Fonts can be resized with magnifier software or the browser zoom feature without significantly changing the page layout.

Accessibility Constraints. We make every effort to accommodate all users and do not wish to exclude anyone from accessing Bill Pay. One area of the product that is currently not fully accessible is the date-picking calendar. The calendars for choosing payment and transfer dates are not usable with a keyboard or screen reader. We are continuing to make improvements to all aspects of the product. Contact customer service if you have an issue using Bill Pay.

This service is free of charge for the first three months after you've enrolled. After that, the monthly cost is based on the following:

With one of the following criteria, there is no cost to use Bill Pay:

  • Over $15,000 (aggregate loans and savings balance)
  • Over $1,000 monthly checking balance with eStatements
  • Under 25 years of age
  • Premium Checking Account holder

The cost is $1.45 per month with between $7,500 - $14,999.99 (aggregate loans and savings balance).

The cost is $2.95 per month with under $7,500 (aggregate loans and savings balance).

Adding and Managing Your Accounts

You can use checking accounts that support electronic transactions. In certain cases, you can also use money market accounts to pay bills.

The routing number uniquely identifies the financial institution for accounts. In order for you to use Bill Pay, we must have both your financial institution's routing number and your account number.

You can find the routing number on a check or deposit slip for your account. Look for the first nine digits in the lower left corner of your check or deposit slip. Some financial institutions publish their routing numbers on their website. In the event you are unable to locate the routing number, feel free to contact us.

The routing number you provide must be valid for you to successfully add an account.

Palmetto Citizens Routing Number: 253978617

We place limits on an unverified account to protect you in case someone uses your account without authorization. Verifying your account enables you to use all available features in Bill Pay.

Managing Your Personal Profile

Go to Profile to view info such as:

  • Your contact information (such as name, address, phone numbers, email address)
  • Additional users on your account
  • Service fee account

It is important to keep this information current because that's how we communicate with you.


Customer Service asks you to provide security information to verify who you are. Without this level of verification, somebody else might be able to gain access to your account by pretending to be you.

Automatic sign out is a security feature to help prevent another person from being able to resume your session if you forget to sign out. Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes).

For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.