Bill Payment

After enrolling in Online Banking, you can add Bill Pay to schedule and pay recurring, occasional, and one-time payments from your computer, 24 hours a day.

Features Include:

• MAKE payments to individuals and businesses after setting up your payees.

• VIEW all payees, upcoming payments, and payment history.

• SET UP recurring payments to save time each month by selecting "Make it recurring" for eligible payees.

• SEE payment amounts and due dates for eligible eBills by selecting the "eBill" icon next to your payee.

Bill Payment - Frequently Asked Questions

Q. What is Bill Pay?
A. Bill Pay lets you pay bills from home, the office, or anywhere you have a personal computer or mobile device and access to the Internet. You can pay bills such as: Credit Cards, Mortgages, Gas, Electric, and even friends and family all with just a few clicks, rather than writing paper checks.

Q. Can I pay bills from all of my accounts?
A. Bill Payment may be setup with one Demand Deposit Account (DDA) per social security number. Choose the default account that payments come from. 

Q. Does Bill Pay send my payment electronically or by check?
A. Bill Payment sends your payment by check or electronically (ACH) depending on the capabilities of your biller to receive the payment. Many companies today accept electronic payments as their primary form of payment.

Q. Can I pay anyone with Bill Pay?
A. Payments can be made to any vendor or payee that accepts checks and has a mailing address for receipt. 

Additionally, NBT offers People Pay (person-to-person) payments which can be located within online banking, under the “self service” tab. This feature allows you to set up friends, family, and/or other local, small billers you do business with like lawn service providers, pet sitters, or even your child’s child-care provider. NBT’s People Pay option is similar to using an app like Venmo or PayPal, but with the added convenience of being tied directly to your NBT Bill Pay account. 

Q. How long does it take for the payment to reach the vendor/payee?
A. Once you have submitted a payment for processing, it normally takes four business days from the effective date for electronic (ACH) payments and five business days for payment by check.  

Q. Can I setup recurring payments?
A. Bill Pay offers recurring payments and provides instructions on how to set them up. So, you can be relaxing at the lake or the park versus writing checks and scheduling payments when your bills are due.

Q. Is there a cutoff time for sending payments?
A. You may schedule payments 24 hours a day. However, a payment to be sent the next business day must be entered by 3 PM CST on the business day before the payment is initiated.

Q. How do I register for Bill Pay?
A. The first step to registering for Bill Pay is to make sure you have access to National Bank and Trust’s Online Banking. Once you have access, select “Bill Pay” under the Money Movement header. Once you select Bill pay you will be guided through a process to complete your sign up.