Pay your bills online or on-the-go with BillPayer and a checking account.

  • Set up your own payees
  • Schedule recurring and non-recurring payments
  • Review your bill payment history
  • Future date your payments

Your MCU Anywhere BillPayer Questions Answered

  1. How much does it cost to use BillPayer?
  2. What do I need to make payments?
  3. How do I sign up for BillPayer?
  4. What bills can I pay?
  5. What web browsers can I use?
  6. How do I add a payee?
  7. How do I schedule payments?
  8. How do I add a payee?
  9. How can I see which payments are pending and which have been made?
  10. What should I do if I have a problem or question about a payment?
  11. Can I stop a payment that I currently have scheduled?
  12. How do I stop a payment that has already been withdrawn from my MCU Checking account?
  13. How do I find out if a payment has cleared?
  14. Where can I see if a payment was made electronically or by check?
  15. How do I view and/or print a copy of a check?
  16. What type of notifications could I receive and what do I need to do?
  17. What happens if I don't have the funds available when my payment attempts to process?

1. How much does it cost to use BillPayer?

Payments made using MCU's BillPayer are completely free!

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2. What do I need to make payments?

All you need is access to MCU Anywhere via our free mobile app or a web browser, and an MCU checking account.

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3. How do I sign up for BillPayer?

Once you have registered for MCU Anywhere, log in to your account either using a browser or the MCU mobile app and click on Services, then click on BillPayer. After reading and agreeing to the Terms and Conditions of Use, you may begin adding payees and making payments.

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4. What bills can I pay?

You can make payments to any individual or business except tax payments, court ordered payments, or payments to payees outside of the United States.

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5. When are the payments sent?

  • Payments are sent Monday through Friday. Payments are not sent on weekends or federal holidays.
  • You can schedule payments days, weeks, or months in advance.
  • Due to delivery delays beyond our control, we recommend allowing at least 10-12 business days for check payments and 2-3 business days for electronic payments to be received by your payee.

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6. How do I add a payee?

Once you are logged in and have opened BillPayer:

  • Select Add Payees.
  • Select if you want to search by payee name, logo, or category.
  • If your payee is a global company, sign directly into your payee's account by using that merchant username and password (ebilling) OR
  • Select 'Add Payee Manually' to add your own information. A full account number for each payee is required and must not be masked or shortened.
  • Click Create Payee to proceed.

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7. How do I schedule payments?

Once you are logged in and have opened BillPayer:

  • From the main Bill Pay screen, find the payee you are sending funds to.
  • Enter the payment amount, the first payment date and the frequency.
  • You may set up the payment as a one-time payment or as a recurring payment -- indefinitely or enter a stop date, sent weekly, monthly, etc.
  • Keep in mind, the date the payment is due is not the same as the scheduled date. We recommend entering the due date (or a busines day before) in the estimated delivery field. This will prefill the send date to ensure the payment is received in time.
  • Once you have entered all payments, click the orange 'Pay Bills' at the top right-hand side of your screen. Then confirm by clicking 'Submit Payments.
  • The maximum payment amount is $10,000.00.

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8. When is my account debited?

  • If the payment is being sent electronically, the funds are withdrawn in real time (immediately).
  • If the funds are beind sent as a paper check, they will be withdrawn when the payee cashes the check.

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9. How can I see which payments are pending and which have been made?

  • To view your one-time or recurring pending payments, refer to the 'Scheduled Payments' on the right-hand side of the main screen.
  • To view payments that have completed processing, refer to the 'Recent Payments' on the right-hand side of the main screen.

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10. What should I do if I have a problem or question about a payment?

Please give us a call at 573-874-1477 (toll free 800-451-1477) or send us a secured message through your online banking account and we will be more than happy to assist you.

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11. Can I stop a payment I currently have scheduled?

  • You can cancel any electronic payment prior to the point that the funds are actually withdrawn from your account by looking at 'Scheduled Payments' and clicking on the trash can icon then confirming by selecting 'Yes'.
  • Deleting Payments. If you have scheduled a Bill Payment or e-Payment and would like to cancel the payment, you must do so before the payment is processed. The time varies based on the settlement method being used for the payment. If you cannot access the on-line banking service to request that the payment be deleted, please contact MCU for further assistance, prior to the cut-off time.
  • Liability for Failure to Delete a Payment.You cannot delete or cancel a payment after it has been processed. MCU is liable only if you notify MCU at least one (1) business day or more before the scheduled payment date. Otherwise, MCU is not responsible for any indirect, incidental, special or consequential damages, except to the extent such limitation of liability is not permitted by law.
  • A check payment can be canceled if it has not cleared the account. There is a stop payment fee for this action. See the MCU fee schedule for applicable fees. Please contact MCU member services for assistance in stopping checks.

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12. How do I stop a payment that has already been withdrawn from my MCU Checking account?

  • Payments made electronically cannot be stopped once funds have been withdrawn from your MCU account.
  • Once a check has cleared your MCU account, it cannot be stopped.

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13. How do I find out if a payment has cleared?

  • If the payment is being sent electronically, the funds are withdrawn in real time (immediately) - To ensure the payee has received payment, contact them directly.
  • If the funds are being sent as a paper check, they will be withdrawn from your MCU account when the payee cashes the check.
  • Payments can be reviewed on the main page under "Recent Payments."

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14. Where can I see if a payment was made electronically or by check?

  • Under the payee name, the account number is listed. To the right of that account number will be an icon of an evelope or a lightning bolt. An envelope means the payment was sent as a paper check. A lightning bolt means an electronic payment.
  • MCU and its payment processor reserve the right to determine the most appropriate way to send payments.

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15. How do I view and/or print a copy of a check?

A copy of your check can be found by going to Services, then Statements & Checks.

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16. What type of notifications could I receive and what do I need to do?

  • “Possible Duplicate Payment Alert - You can't schedule payment for ____ because another payment already exists for the same date and amount.” This may occur as you are submitting multiple payments at the same time. Just remove one of the duplicates before clicking Submit or look at Pending to see if the duplicate is displayed there.
  • "Payment Verification - Payment exceeds the paper bill pay transaction limit." Amount must be between $.01 and $10,000.00 when scheduling a payment. Please edit the payment amount and resubmit the payment.
You may also receive an email notification if any of the following occur:
  • Non-sufficient Funds
  • Duplicate Payment
  • Delinquent Loan – past 31 days or more
  • Invalid account source
  • Incorrect account number
  • Incorrect payee address
  • Recurring payment has ended - Set up the payment again if you’d like the payments to continue
  • Large payment notification – This is a courtesy notification when a payment is over $5000. Contact us during business hours at 573.874.1477 if you did not initiate this payment.

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17. What happens if I don't have the funds available when my payment attempts to process?

If there are inadequate funds in the account when a bill payment is attempted, our Bill Pay system will attempt to process the payment again the next business day. If the funds are still not available, the system will try one more time, equaling 3 business days. If the funds are not available on the third business day, the current payment will be cancelled.

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