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Bill Pay Help

Frequently Asked Questions

Welcome to First Palmetto's Frequently Asked Questions page. We developed these Frequently Asked Questions to help our users with any problems they might have. If you have any suggestions for content on this page, or you have a question that is not covered in these pages, please call us at (803) 424-5047. To begin solving your problem, choose a link above. Thanks!

Q:   Is it possible to schedule recurring payments?
A:   Yes. Your schedule can include weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a "Final Payment Date".

Q:   How do I register for electronic bill payment?
A:   Bill Payment registration is easy!

The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to begin online registration. You are first requested to read and accept the Terms and Conditions of the Bill Payment Service. Failure to accept the terms prevents the registration process from proceeding.

Once the disclosure is agreed to, you complete the online registration form. The registration form is then forwarded to us for review. After the application is approved, we will activate the account and send an acceptance "welcome letter" to you via regular mail. You should receive the welcome letter within 8-10 business days.

Q:   When I add a new payee to my bill payment account, how quickly will the change take place?
A:   When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q:   Can I receive an annual summary of my bill payments sorted by category or payee?
A:   Not at this time.

Q:   Can I use electronic bill payment with all my accounts?
A:   No, only checking accounts can be used for bill payment purposes.

Q:   When can I start using electronic bill payment?
A:   You can begin bill payment once you have received your "welcome letter".

Q:   When is bill payment available?
A:   You can schedule payments 24 hours a day, seven days a week.

Q:   How do I add new payees?
A:   You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q:   Can bill payment be used when I am out of the country?
A:   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.

Q:   Is there a limit to the number of bill payment accounts I can set-up?
A:   Yes, you are limited to one bill payment account.

Q:   Who can be paid using the bill payment system?
A:   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) should not be paid through our online bill payment system. Read the Terms and Conditions of the Bill Payment Service under the caption - Exception Payments.

Q:   Can I pay my bills on the weekend?
A:   Yes, First Palmetto Checkfree prefills the payment Date with the earliest possible payment date.

Q:   If I schedule multiple bill payments for a single day, how will my account be debited - as a lump sum or separately?
A:   Each bill payment is debited separately.

Q:   When is the money for the payment withdrawn from my account?
A:   If the payment is sent electronically, the funds for the payment are withdrawn from your account on the due date. Otherwise, the funds are withdrawn when the check is presented to First Palmetto. Keep in mind, however, that you should always have funds available to cover the payment on the scheduled payment date.

Q:   Are all debits and credits sent out at the same time?
A:   Yes, they are all sent out at the same time.

Q:   If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A:   If the payment information on your payment confirmation is correct and we fail to send a payment according to your instructions, we will bear responsibility for late charges up to a $50.00 maximum.

Q:   How do I place a "stop payment" on a bill payment?
A:   A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.


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