Bill Pay FAQs

To help you understand the process, we have provided a diagram .

Bill Payment registration is easy!

The first time you access the bill payment section of Internet Banking, you must first complete the Personal Information profile.  Next, you should click on Account Information (located under Bill Payments) and choose which accounts you want to have enabled for Bill Pay.

Once your Personal and Account Information is complete, you may now choose Go To Bill Pay.

That’s it!  You’re registered for Bill Pay.

Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Not at this time.

No, only checking accounts can be used for bill payment purposes.

You can begin bill payment once you have received both your Account ID and your Personal Security Code. These items are required for the initial bill payment logon screen.

You can schedule payments 24 hours a day, seven days a week.

All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Each bill payment is debited separately.

If your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, they payment will be denied and you will be notified, the Bill Payment Service will also automatically block future Bill Payment Service until the account has sufficient funds to make the payment. The Bank will attempt to notify you by e-mail or U.S. Postal Mail, but the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment.  In all cases, you are responsible for either contacting First Commerce Bank at 785-562-5558 to either make alternate arrangements for the payment or reschedule the payment through the bill payment site. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected.

Yes, they are all sent out at the same time.

Your account is debited via ACH.

Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.

Bill payments, account information, enable bill pay check box to see the account.