How do I enroll in Online Bill Pay?

You must be enrolled in Online Banking to use the Online Bill Pay function.  Not sure how to officially enroll? From our homepage, www.Heartland.Bank, click on the Enroll in Online Banking link in the blue Login Box and simply complete the application.

How do I add a company/biller to Bill Pay?

Click on Bill Payments and you’ll be directed to the Payment Center.  Click Add a Company or Person and follow the prompts.

Are bill payments guaranteed to arrive on time?

Online Bill payments are guaranteed to arrive on time in the event that the “due date” you requested is at least five business days prior to the actual due date indicated on your bill and that all pertinent payee information has been entered correctly into the system.

What if a scheduled online bill payment arrives late and I am assessed late fees/finance charges?

Online Bill payments are guaranteed to arrive on time in the event that the "due date" you requested is at least 5 business days prior to the actual due date indicated on your bill, and that all pertinent payee information has been entered correctly into our Online Bill Pay system. In the event that a payment meeting these requirements does not post on time, you will be reimbursed for late fees/finance charges not to exceed $50.

When does the money get withdrawn from my checking account for a Bill Pay payment?

The "due date" indicated on the system is the date that the bill is scheduled to arrive at its destination. There are two ways payments can be withdrawn from your account depending on who you’re paying. In most cases, funds will be deducted from your account on the pay date you specify. For some billers, such as some small businesses and individuals, a paper check may be sent. In these cases, the money will be deducted from your account at the time the biller deposits or cashes the check. This is no different than if you had written a paper check.

Are all my payments sent electronically?

We cannot guarantee that 100% of your payments will be sent electronically. Some billers cannot receive payments electronically. Keep in mind that whether the payment is sent electronically or as a paper payment, the service delivers the payment to the biller on the scheduled pay date.

When does a biller receive my payment?

The biller receives the payment on or before the scheduled pay date you specified. Some billers may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late.

How can I stop a scheduled payment?

All online payments can be canceled before they are processed (at least 5 business days prior to the requested due date). Once the payment has been processed, additional modifications are not possible. Procedures for payment cancellation are as follows: go to Online Bill Payment: under the Pending Payment List in the Payment Center, click the “Cancel” link located to the bottom right of the bill to be canceled. In the event the bill has already started processing or been processed, this area of the page will show "Processing" and changes are no longer allowed.

Will the payments appear on my bank statement each month?

Yes, all payments made through Online Bill Pay will appear on your checking account statement, displaying the date and amount of the payment.

What are eBills?

eBills are electronic versions of your paper bills that you can receive through Online Bill Pay. An eBill comes directly from the biller to your Online Bill Pay service. You can view balances, transactions and other statement information in an eBill. Then, you can pay your bill and print it securely online through Online Bill Pay.

Can all of my bills be presented with eBills?

eBills are available from many companies, but not all companies provide their bills electronically. When one of your billers provides you the ability to view your bills online, you will see an eBILLS invitation under the billers name and an eBills link to the bottom right of the biller’s section indicating that eBills are available for this bill.

What is an eStatement?

An eStatement is an electronic version of your statement with images available online via the Heartland Bank website, www.Heartland.Bank. You can view and print your statement from your computer.

Why should I enroll in eStatements?

You may no longer want to receive paper statements and realize that you prefer to receive your statements through our Online Banking system. Great reasons to go paperless:

  • Simple – less paper to keep track of
  • Fast – you’ll receive an email notification when your statement is available
  • Convenient – View and print your statements anytime

Do I need to sign up for Online Banking in order to have access to eStatements?

Yes, you must have Online Banking access in order to view your e-Statements.

How do I enroll in eStatements?

  • Log into your Online Banking account
  • Select Statements
  • Click on “Manage eStatement Preferences”
  • Click “Edit” and make the desired changes for each of your listed accounts
  • Select “Submit”

Select “Accept”

When can I view my eStatements?

You can log in to view your eStatements at any time! Your eStatements will be available within 24 hours after your statement cycle ends.

Is there a fee for eStatements?

No. eStatements are a free service once enrolled in Online Banking.

Do I need a new password or Login ID to access my eStatements?

No. Once enrolled in our Online Banking, you will have immediate access to your eStatements.

Will my eStatements look the same as my paper statements?

Yes. Your eStatement is exactly the same as a paper statement.

Will I be able to print my eStatements?

Yes. Once you open the eStatement, you will be able to print your statement just like you print any document on your computer.

How do I change back to paper statements?

  • Log into your Online Banking account
  • Select Statements
  • Click on “Manage eStatement Preferences”
  • Click “Edit” and make the desired changes for each of your listed accounts
  • Select “Submit”
  • Select “Accept”

What is Popmoney?

Popmoney allows you to Pay Other People (POP) anywhere, anytime, through the Bill Payments feature in Online Banking.

How does the service work?

You can send money using only the recipient's email address, mobile number or bank account. First, you will be prompted to enter basic information:

  • add a contact
  • dollar amount
  • desired date to send the payment

Once you confirm the payment transaction, an email notification will be sent to the recipient with instructions on how to accept the payment.

Do I have to be enrolled in Online Bill Pay to access Popmoney?

Yes, once you are enrolled in Bill Pay, you will see a Popmoney tab for access to the service.

Are there daily / monthly dollar limits for sending payments via Popmoney?

Yes, Popmoney displays the individual daily and monthly limit information for you.

Is there a minimum payment amount?

$5.00 is the minimum payment. 
As a security feature for payments of $100.01 or larger sent to an email address, the recipient is asked to verify ownership of their phone number when receiving and depositing the payment.

Is there a fee?

There are no fees to send or receive money.

How much time does the recipient have to accept the payment?

The recipient has 10 calendar days to collect the payment. Email reminders are sent on the 3rd and 7th days.

What if a payment is unclaimed?

If the payment is still unclaimed by the recipient at the end of the 10th day, you, as the sender, will receive a refund within 2 business days for the payment.

What are the processing cutoff times?

All Popmoney payments will be processed as next day payments when they are sent to an email address, mobile number or to a receiver who has automatic deposit enabled, provided that the payments are scheduled prior to 7pm PST (Pacific Standard Time).

How do payments process?

Payments will debit your account on the scheduled Send Date, and the credit will appear in the recipient's account in 1-2 business days after accepting the payment.

What if there are insufficient funds on the Send Date?

If a payment is returned due to insufficient funds, a second attempt to debit the account will occur. If the payment is returned a second time, Popmoney and Online Bill Pay will be frozen, and you will receive instructions to call Popmoney at 855.237.7247.

How do I export history into Quickbooks, Quicken or other accounting software?

You can export 90 days of history by following these steps:

  1. Access your account through Online Banking
  2. Select Export History
  3. Select the appropriate export format and click Submit
  4. Follow the instructions on the export page to save the file and access through your accounting software.

How far back can I go when exporting history to my accounting software?

You can go back 90 days when exporting history from your Heartland Bank online banking to your accounting software.

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