Easy Ways To Pay Bills

ACH - PreAuthorized Recurring Payments  |  Pre-Authorized Visa^® Charges  |  Bill Payer

Also known as pre-authorized debits, withdrawals or ACH payments, this is a convenient way to pay recurring bills. Many utilities, insurance companies, and others that bill you regularly offer this option. Contact the company and inquire if the service is available. You send them a voided check and sign an agreement. With this method, the biller electronically charges your checking account for the amount due on the due date. You don't need to send the money early. Each transaction will appear on your monthly statement, or eStatement and in PC Branch account history. It's reliable and saves time. Make sure you deduct these payments from the balance in your check register in advance of the actual payment date to avoid overdrafting your account. You can make recurring transfers from your DCU account to another financial institution with a completed Authorization and Agreement for Preauthorized Withdrawals form (.pdf format) in order for recurring transfers to begin.

Here's another reliable alternative. With more and more billers, you can set up automatic charges to your DCU Visa Credit Card or DCU Visa Check Card. Newspapers and online services typically offer this option. Contact the companies you pay to see if they do. With this method, the biller automatically charges the card you've selected for the amount due on the due date.

Using your credit card, the biller name and amount automatically appears on your DCU Visa Statement. You may also have more time to pay, without interest, if your Visa account is within the grace period.

DCU Check Card transactions appear with the biller name and amount on your monthly checking statement. Transactions typically clear your checking account within a day or two after the charge. You should deduct the amount of the transaction from your check register on the due date.

Once you've set up pre-authorized payments with your Visa or Check Card, you'll need to notify your biller each time your card expiration date changes. If you don't, charges attempted after the expiration date will be rejected.

To use pre-authorized DCU Check Card charges or pre-authorized payments, you'll need a DCU checking account. Payments are deducted from your account as you make them. To use pre-authorized DCU Visa Credit Card charges, you'll need a DCU Visa Account.

With Bill Payer, you save anywhere from 44 cents a bill to $10 per month over some other bill payment providers. Payment services are provided through Metavante^®, the nation's largest bill payment service. Setting up billers and paying bills is fast and easy. And you save postage with every bill you pay.

You can pay almost anyone you want, make single payments, or set up automatic monthly, weekly, biweekly, twice-monthly, bimonthly, every four weeks, quarterly, semi-annual, and annual payments. The Electronic Bills bill presentment feature lets you receive bills electronically from participating billers and pay them online through PC Branch.

To use Bill Payer open a DCU checking account, then enroll for Bill Payer by going to the sign-up form located under the Bill Pay link on PC Branch. It's FREE!

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