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Your new Bill Pay experience is here

Here’s what you need to know


You told us what you want from your Bill Pay experience, and we listened.

The new Bill Pay service provides you a consistent, streamlined user experience across all devices. Bill Pay is now easier, more secure and more convenient than ever! And while this update has required some changes, we’re excited about the enhanced Bill Pay and person-to-person features you’ll love.

Here's what is new

The following features can all be handled directly through online and mobile banking:

    • View and pay your bills electronically
    • Make secure payments to any person or company anywhere, anytime
    • Verify your account balance as you pay your bills
    • Automate recurring payments to save time each month
    • Receive email and text reminders when bills are due
    • Manage eBills
    • Add and control your payees
    • Enroll into the Bill Pay service
    • Easily search and filter your transactions
    • Find the status, amount and due date of bills with the eBill feature
    • Enjoy enhanced Member support via phone, secure messaging and online chat

At this time, we encourage you to log in and follow these steps:


    • Verify all your payee and history information to help avoid disruptions to your scheduled payments.

    • Re-enroll in eBills inside of Bill Pay and contact your payees to move the process along on their end.

    • Reset any payees using the Pay a Person feature, which allows you to send money using an email, address or phone number.

    • Set up your notification preferences to stay informed of your Bill Pay activity via text or email.

We understand with technology, comes questions – so we’re making it easy for you to stay informed:


    • Call our helpful Subscriber Support line at (800) 562-3694 which is available Monday – Friday 6:00 am – 1:30 am CT.

    • Chat inside of Digital Banking by navigating to: Menu > Transactions > Bill Payment > Advanced > Visit Bill Pay Site.

    • Visit our Bill Pay Update FAQ below for answers to your questions.

    • View our video demo of the updated service.

Thank you for your patience and for sharing our excitement about this Bill Pay enhancement!

Bill Pay Update FAQ

Why did TDECU change Bill Pay and P2P providers?

TDECU has always evaluated product and service offerings to ensure we are providing the best experience for our Members. The updates to our new Bill Pay service provides you with improved functionality, allowing you to manage your finances with ease.

What new features are offered in the updated Bill Pay service?

The following features are now available directly through TDECU Digital Banking, without ever leaving the application:

    • Ability to enroll in the Bill Pay service.
    • Manage eBills.
    • Add and manage your individual and company payees.

The following services are now available through the Bill Pay Advanced Site:

    • Enhanced Member support via phone, secure messaging and online chat.
    • Demo videos, how-to guides and FAQs to guide you through the changes.
    • Person-to-person payments with pass-phrase security.

Now that I have converted over to the updated Bill Pay service, what tasks should I complete post-conversion?

You should complete the following tasks to properly configure your Bill Pay and P2P services:

    • Accept the updated Bill Pay Terms and Conditions.
    • Review all payee and history information for accuracy and to avoid payment disruptions.
        Please note: The converted payment history will only appear in the Advanced Bill Pay Site. You will not be able to view your converted history under the Payment Activity tab, within Digital Banking.
    • Re-enroll in eBills and contact your payees to request that eBills be reset so that you may set them up in the updated Bill Pay service.
    • Reset any individual payees using the Pay a Person feature in the Bill Pay Advanced Site.
    • Set up notification preferences to stay informed of bill pay activity via text or email.

I have noticed that the time frame of when my payments are deducted from my account has changed. What should I be aware of when scheduling payments?

When launching the new Bill Pay service, we implemented the Good Funds Payment Model. This helps to ensure that funds are available before sending out payments.

So how does the Good Funds Payment Model work?

    • Payments are pulled two business days before the selected due date for electronic payments and four business days for check-based payments. You will need to keep the number of business days in mind when scheduling your payments.
    • TDECU has built-in a “second review” so that you can check funds availability the day after the pulled payment. The second look provides you with extra time to ensure funds are available for your payments.
    • If funds are not available on the process date, the payment will not send, and a fee will NOT be charged. This reduces the potential for you to incur fees after a payment is sent and then returned for Non-Sufficient Funds (NSF).
    • With electronic payments, the information is processed immediately, so you can see your balance on your account in real-time.

Why didn’t my Bill Pay account convert over to the new Bill Pay service?

Members with an active Bill Pay service as of June 16, 2020, converted to our new Bill Pay service.

A Bill Pay service account was considered active if there was payment activity 180 days prior to June 16, 2020.

If your Bill Pay account did not convert, it may be due to one of the following reasons:

    • The Bill Pay account was in an inactive or frozen status.
    • The Bill Pay service was set up; however, no payments were ever made through the Bill Pay service.
    • The Bill Pay service was set up; however, there were no payees set up.
    • The Bill Pay service is linked to an account of a deceased Member.
    • The Bill Pay service pay from account was linked to an account that is closed or in an inactive status.
    • The Bill Pay service pay from account was an external (non-TDECU) account.
    • The Bill Pay service pay from account was not a TDECU checking or money market account.
    • The Bill Pay account was only set up to perform P2P payments and only contained P2P payees.
    • The Bill Pay account did not have any recent activity.
    • The Bill Pay account had incorrect payee addresses.
    • The Bill Pay account was not linked to a Digital Banking account that was active.

How can I access Bill Pay services from TDECU Digital Banking?

You can access the Bill Pay service using either the desktop application or the mobile application.

To access Bill Pay:

  • Log into the desktop or mobile application.
  • Click on Menu, if using the mobile application.
  • Click on Transactions.
  • Click on Bill Pay.

How can I access P2P services from TDECU Digital Banking?

Members can access the P2P feature using either the desktop application or the mobile application.

To access P2P:

    1. Log into the desktop or mobile application.
    2. Click on Menu, if using the mobile application.
    3. Click on Transactions.
    4. Click on Bill Pay.
    5. Click on Advanced.
    6. Click on Visit Bill Pay Site.
    7. Click on Pay a Person.

What is the difference between Bill Pay and P2P?

Bill Pay

  • Payments are made to any Company or Individual using an account number or mailing address.
  • Payments can be submitted electronically or via check.
  • eBill services are available for qualified payees.
  • Account-to-account (A2A) transfers made to an external account may require account verification.

P2P

  • Payments are made to Individuals using a phone number, email address, mailing address or account number.
  • Payments can be submitted electronically or via check.
  • Payments sent via text or email will require the payee to set up a profile with a pass-phrase in order to receive their funds.

Why am I receiving a notification that I can't add a payee for 30 days?

To protect the security of your Bill Pay account, we do not allow the addition of new payees for a period of time after changing your contact information. This includes your phone number and email address.

You may contact Member Care at (800) 839-1154 and ask to have your Bill Pay account reviewed for a lift of the block.

When are payments processed?

Payments are processed 2 – 4 days prior to your selected due date.

    • Electronic payments are debited from your account 2 days prior to the selected due date.
    • Check payments are typically cut and mailed 4 days prior to the due date. Please note: Funds will only be debited from your account once the check is cashed by the payee.

When is the payment cutoff time?

Payment cut off times are Monday – Friday at 3 pm CT. Any payments scheduled after 3 pm CT will process on the next business day.

How can I cancel a one-time payment?

You can cancel a one-time payment right from the TDECU Digital Banking application.

Payments can only be cancelled if they are in a pending status.

To cancel a one-time payment:

    1. Log into the desktop or mobile application.
    2. Click on Menu, if using the mobile application.
    3. Click on Transactions.
    4. Click on Bill Pay
    5. Click on the Payment Activity tab.
    6. Locate the appropriate payment.
    7. Click on the three vertical dots for the selected payment.
    8. Click on Cancel.

How can I cancel a recurring payment series?

Members can cancel a recurring payment series from the Advanced Bill Pay Site.

Payments can only be cancelled if they are in a pending status.

To cancel a recurring payment series:

    1. Log into the desktop or mobile application.
    2. Click on Menu, if using the mobile application.
    3. Click on Transactions.
    4. Click on Bill Pay.
    5. Click on Advanced.
    6. Click on Visit Bill Pay Site.
    7. Click on Edit Recurring for the appropriate payment series.
    8. Click on the option for Edit Entire Series.
    9. Click on Continue.
    10. Click on the checkbox next to “I would like to stop this payment.”
    11. Click on Submit.

How can I enroll in eBills?

You can enroll in eBills from the Advanced Bill Pay Site.

To enroll in eBills:

    1. Log into the desktop or mobile application.
    2. Click on Menu, if using the mobile application.
    3. Click on Transactions.
    4. Click on Bill Pay.
    5. Click on Advanced.
    6. Click on Visit Bill Pay Site.
    7. Click on the bill listed with a "Set Up eBill PDF" status under the eBill Connect section.
    8. Enter your login credentials for the payee. (These will be the same credentials used on the payee’s website.)
    9. Select the Account Type.
    10. Click Accept and Submit.

I am receiving an error message when accessing the Advanced Bill Pay Site. How can this be fixed?

When you access the Advanced Bill Pay Site, you may receive an error message that states:

"Return to Bill Pay. Return from external site and refresh Bill Pay data."

You may go ahead and click the "Close" button and you will proceed to the Advanced Bill Pay Site.

This issue will be resolved with a future update, which is tentatively scheduled in the third quarter of 2020.

How can I transfer funds to or from an external, non-TDECU account?

You can transfer to and from an external, non-TDECU account through the Advanced Bill Pay Site.

To perform this type of transfer:

    1. Log into the desktop or mobile application.
    2. Click on Menu, if using the mobile application.
    3. Click on Transactions.
    4. Click on Bill Pay
    5. Click on Advanced
    6. Click on Visit Bill Pay Site.
    7. Click on Transfers
    8. Setup a new external account by clicking on + Account.
    9. Once the account is added, select the From Account.
    10. Select the To Account.
    11. Enter the Amount.
    12. Select the Payment Date.
    13. Click on Submit Transfer.

How can I manage my pay from accounts?

You can manage your TDECU pay from accounts via the Manage Bill Pay option under the Settings menu.

Members can also manage their pay from accounts through the Advanced Bill Pay Site, via the My Account tab.

Please note that additional pay from accounts require review and approval before they are available to use.

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