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Bill Pay

Paying bills has never been easier.

Enroll in Bill Pay and enjoy the guarantee of your online bills being paid on time - or we’ll cover your late fees.*

  • MidFirst Bank guarantees your online bill payments will be on time or we will cover any late fees associated with any bill paid using Bill Pay*
  • Receive eBills, an online version of your bills*
  • Pay bills from more than one account
  • Custom reporting available
  • Quick and easy payee set up
  • Alert notifications for scheduled and processed bill payments
  • Payment reminders to help avoid late fees
  • Expedited payments*


Monthly Fees

There is no charge for Bill Pay on consumer accounts.

Bill Pay Guarantee

Electronic payments are guaranteed to be received within three business days and paper check payments are guaranteed to be received within seven business days or MidFirst Bank will refund any late fees associated with your online bill payment.*

eBills

As part of your Bill Pay service, you can receive online versions of some bills. When you sign up for eBills,* you can:

  • Receive and pay eBills from hundreds of local and national companies, such as your phone company, cable provider, credit cards and more
  • Get convenient online access to your bills so you don't have to keep track of paper bills
  • Receive email alerts when eBills are received, before they're due and when your payments are sent

Enrollment Instructions

Enrolling in Bill Pay is fast and easy. Log in to online banking and from the "Bill Pay" tab, select "Enroll Now." As a new Bill Pay customer, the Bill Pay enrollment instructions will be displayed. Follow the instructions to enroll and receive immediate access to Bill Pay.


Frequently Asked Questions

FAQs

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Bill Pay Fees

No, you will not incur additional charges if you pay bills from more than one account.

EBills

An eBill is an electronic version of your bill that you receive directly within Personal Online Banking.

Yes, eBills are free.

Yes, eBills contain the same information and look exactly like your paper bills. The only difference is they are delivered conveniently to your Personal Online Banking account instead of your mailbox.

No, not all payees will have an eBill option.

Sign in to Personal Online Banking, click the "Set up eBill" link under the payee name displayed on the Bill Pay screen and follow the online instructions.

If you enter an invalid user ID or password, you will be presented with an error message stating there was a credentials failure and a prompt to correct. If it fails again, you will receive the same message again. The system does not have a limit on how many times a user can try this, but the biller may lock the customer out of their website.

If you are unenrolled from their online banking or Bill Pay, all eBill relationships with their payees will be discontinued for the customer. Our system will send a notification to the payee that the customer should be removed from the eBill file. The customer will no longer have access to their eBill (unless they saved the electronic file to their computer) through online banking or Bill Pay. A customer may still have access to their previous bills through the payee's website. A customer will also be responsible for reinitiating their paper bill.

Yes, you can make changes or delete the auto-pay setup for an eBill.

We can take requests for eBill functionality, but we cannot guarantee it will be added to the list.

Yes, you can set up an alert to send you an email notification when your eBill arrives.

Since your eBill is available online at any time, you can always print a copy, or you can visit your payee's website to view, save and print your bill.

Getting Started Setting Up Accounts

Most accounts will have immediate access to Bill Pay after enrolling.

Checking and money market accounts are the only type of accounts eligible to pay bills using Bill Pay.

Yes, a joint owner on an account can use Bill Pay, provided the account is a checking or money market account.

If you would like to add a Bill Pay account to use more than one account to make bill payments, click on the "Bill Pay" tab and select "Manage Payment Accounts." Locate the account(s) you would like to use for bill payment and click the switch to change from "No" to "Yes," then select "Yes, Update."

If you close an account, that account will be deleted from your Bill Pay screen by an online banking specialist within 3-5 business days. If you would like to remove an account from bill payment, click on the "Bill Pay" tab and select "Manage Payment Accounts." Locate the account(s) you would like to remove from bill payment and switch the "enabled for payments" selection from "Yes" to "No" and then tap "Yes, Update."

How Bill Pay Works

Bill Pay allows you to set up payments to businesses and individuals. Once you enter a payment instruction, the request is submitted at 8 p.m. Central time, Monday through Friday (excluding holidays). Depending on the payee, your payment will be sent electronically or by paper check the next business day. The funds are deducted from your bill payment account on the scheduled date.

Minimum payment lead times will be provided on the bill payment page, based on whether the payee accepts electronic payments or paper check payments (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of three business days before the payment due date and for paper checks a minimum of seven business days before the payment due date.

Payment Processing Troubleshooting

Before a payment is made, the Bank will verify the balance of your Bill Pay funding account. If sufficient funds are not in that account on the scheduled payment date, the payment may be delayed or canceled. If the payment is made, your account is subject to the standard overdraft fee as stated in MidFirst Bank's Fee Schedule. Once your account becomes overdrawn, all other pending payments are placed on hold until your account balance becomes positive again.

Bill payments are processed Monday through Friday, excluding holidays.

The funds are deducted from your bill payment account on the scheduled date.

Bill payment reporting is not "real-time," and reports do not reflect bill payment activity until the following day.

The "Total Paid" only includes those payment transactions that have already been processed and paid. Pending and canceled payments are not included in this total.

You cannot place a stop payment on a bill payment that was sent electronically or that has already cleared the bank. However, if the payment was made via a paper check that has not yet cleared, you may call Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and press option 6 to arrange for a stop payment. Standard stop payment fees will apply.

If a payee says they have not received your payment, call Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and press option 6; an online specialist will be happy to research your payment.

Canceled checks can be viewed in Personal Online Banking by selecting "View Bill Payment Reports." Locate the payment from the list and click "View Check Link." This will allow you to view the front and back of the canceled check.

Setting Up Payees Paying Bills

Online bill payments may only be made to a United States payee, which includes Guam, Puerto Rico, U.S. Virgin Islands and international U.S. military bases in U.S. dollars.

Payments cannot be made in foreign currency or to international payees. In addition, you cannot pay court-ordered payments or tax payments, such as alimony, child support or Internal Revenue Service payments. For payments to U.S. government agencies, Bill Pay has limited ability to research any issues that may arise due to the government's strict adherence to the Consumer Privacy Act. Bill Pay will not be responsible for any late fees or penalties that may be incurred by these types of payments.

No, your payees do not need to do anything different to process online bill payments, and your payment information is clearly indicated on the payment.

To add a payee in Bill Pay, go to the "Bill Pay" tab and select "Pay someone new." If the company is not listed, you can select "Add" to fill in the payee's information.

Setting up a new payee only takes a few minutes. Once the new payee is entered, you can begin paying bills to them immediately.

To change a payee name and address, go to the "My Payees" list and click the "Payee" to view details. You can select "Edit" to make the necessary changes. If the payee was manually entered, you may change the payee phone number, account number, nickname, category and name on the account. For other changes regarding payees that were not manually entered, delete the payee and reenter it with the correct information.

To delete a Payee from Bill Pay, select the payee name you would like to delete. From this screen, choose "Delete" and your payee will be deleted.

Your payee will receive either an Automated Clearing House (ACH) electronic payment or a paper check. The payment is appended with information you have provided, such as your name and account number, so the payee can properly credit your payment.

You may schedule a one-time future payment up to 364 days in advance.

For a future-dated payment, this should be the date you want your payment transmitted, which is the date the payment is extracted for processing. To ensure on-time payment, allow at least seven business days for paper checks and three business days for electronic payments.

Yes, you may make multiple payments to the same payee on the same day, provided the payment amounts are different. For your protection, the system will not pay duplicate items to the same payee on the same day.

Any new bill payments entered by 8 p.m. Central time will be accepted for processing that day. If they are future dated, they will remain in the pending queue until 8 p.m. Central time on that date. Payments entered after the deadline will be processed the next business day.

If the payment is still pending, you can make changes. However, once the payment has been transmitted, you can no longer make changes or delete the payment.

You can cancel or modify your payment online any time before 8 p.m. Central time on the payment transmission date.

Personal Online Banking does not provide this option. However, if you wish to make multiple recurring payments to the same payee, you could set up the vendor as two separate payees, one for each type of payment. For example, you could pay ABC Insurance on the fifth of each month for car insurance, then again on the 15th of each month for home insurance.

Yes, you can edit the amount of a recurring pending payment by clicking on the payment you want to change in the “Activity” tab of the Bill Pay page and selecting “Edit Payment” to change the pending payment amount. If one of the payments has already been made, you will first need to change the start date of the recurring pending payment to the date when the next payment should be processed. You can then change the amount. This change will only affect the payments that have not yet been made.