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Member Benefits
PCBranch Bill Pay: Frequently Asked Questions
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What is PCBranch Bill Pay?
Who can I pay with PCBranch Bill Pay?
How do I enroll for PCBranch Bill Pay?
Is there a monthly fee to use PCBranch Bill Pay?
How are payments delivered to billers (payees)?
Where can I view my Bill History?
Can I view my bill history for a specific biller?
What is an e-Bill?
Can PCBranch Bill Pay, pay your e-bills automatically?
How will I know that a biller can send e-Bills?
How can I view an online bill that has already been paid?
How can I identify an automatic payment? Can changes be made to an automatic payment?
How can I edit a "pending payment"?
Where can I see a demonstration of this?
Do I need any special software or hardware to use PCBranch Bill Pay?
Will I have a separate password for PCBranch Bill Pay?
Where do I find the PCBranch Bill Pay Terms and Conditions?
Do I need to contact each of my billers and let them know that I am going to be using PCBranch Bill Pay to pay them?
How many days does it take for my payment to reach the Biller (Payee)?
When do I need to have the funds in my account to cover my bill payment request, and what happens if there are not available funds in my account to cover the bill payment?
What if I do not have an account number for one of my Billers (Payees)?
Can I schedule a payment in advance? How far in advance?
Can I make a payment from any of my accounts?
What about payments I make every month for the same amount? How can I do this easily without repeating the payment request every month?
Can I place a stop payment on a Bill Payment?
How do I terminate or discontinue the USACU PCBranch Bill Pay Product?
If I decide to stop my PCBranch Bill Pay service, when and how may I restart the service if I choose to?
I stopped my PCBranch Bill Pay Service a while ago, and have since restarted it. Why are all of my billers (payees) gone?
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 What is PCBranch Bill Pay?
 PCBranch Bill Pay is a service of USAgencies Credit Union that allows you to pay your bills online. You can pay virtually anyone, anytime, anywhere in the United States. Making payments online is one of the most efficient and economical features of Online Banking. It saves you the time of writing checks, trips to the mailbox, and time at the post office. It even saves you the cost of stamps. In addition, you can elect to receive e-Bills - from a large number of companies such as major credit cards and wireless phone providers.
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Who can I pay with PCBranch Bill Pay?
You can pay any business or individual that you currently pay by check - your phone bill, loan payments, insurance, credit cards - even your dentist or daycare center. Please note you cannot pay court-ordered payments or state and federal taxes online at this time.
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How do I enroll for PCBranch Bill Pay?
To access to USACU’s PCBranch Bill Payment System, you must first be a registered user of PCBranch, our easy to use home banking service. Log on to PCBranch using your member account number and PCBranch password. Then select the "Pay Bills" icon from PCBranch menu. Once you have read and agreed to the Terms and Conditions Agreement, select the "Register for Bill Payment" icon and you are ready to use USAgencies Credit Union Bill Payment Service.
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Is there a monthly fee to use PCBranch Bill Pay?
No.
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How are payments delivered to billers (payees)?
The three payment methods are:
- 1. All electronic payment - On the payment date you specify, an electronic credit is sent to your biller and an electronic debit is sent to your account. Your account will be electronically debited on your scheduled payment date. This method is used when the company or biller you are paying has an electronic agreement set up with FiServ.
- 2. Electronic-to-check payment - A check is drawn on FiServ's account and mailed to your biller several days prior to the payment date you specify. Your account will be electronically debited on your scheduled payment date.
- 3. Laser-printed check - A check, drawn on your account with your account encoding printed on the bottom, is mailed to the biller. Billers receiving laser checks deposit them just like ordinary checks. Your account will be debited as if you had written a personal check, when the biller cashes the check and it is presented for payment.
NOTE : If you are not sure how your biller is going to be paid, plan on the
money coming out of your account right away by deducting it from your check
register. If your biller received a laser check, the money will not come out
of your account until they cash it, however; it would be wise to deduct this
amount from your check register right away. Similarly to when you write a personal check.
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Where can I view my Bill History?
The "View Bill History" feature is located on the Payment Center under the "Recent Payments Module" near the bottom of the page. Once in the "View Bill History" section, the columns can be sorted simply by clicking the column headers. For example, you can click on the heading 'Amount' and the data will be sorted by the dollar amount.
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Can I view my bill history for a specific biller?
Yes, on the View Bill History screen you can click on the "Biller Name" column header to sort the billers alphabetically and group all payments made to that biller for the selected time frame.
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What is an e-Bill?
An e-Bill is an electronic version of your payee's monthly statement. You can request an e-Bill from any of 370 merchants to be posted monthly to your PCBranch Bill Pay account.
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Can PCBranch Bill Pay, pay your e-bills automatically?
Yes. The full amount due can be set-up to be paid automatically, unless you set a maximum amount. Amount due is either the amount of the bill, such as a telephone bill, or the minimum payment on a credit card.
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How will I know that a biller can send e-Bills?
If a biller is able to send e-Bills, then you will see "Add an electronic version of my bill" as an option when setting up the biller. If you do not choose to add an e-bill at that time you can do so at a later date in the Manage My Bills section. If you have signed up to receive e-Bills from a biller, you will see the e-Bill icon next to the biller's name in the Payment Center.
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How can I view an online bill that has already been paid?
11. Click on the "View Bill History" link in the Recent Payments module of the Payment Center. Here you can search for the payment.
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How can I identify an automatic payment? Can changes be made to an automatic payment?
If automatic payments have been established for a biller the icon will appear next to the biller’s name. By clicking on the icon, or accessing the biller through the Manage My Bills page, you can make changes to the automatic payment. Any changes made affect all current and future payments that are scheduled as automatic payments.
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How can I edit a "pending payment"?
To edit a pending payment, click on 'Edit'. Changes allowed include payment date, payment amount, and payment account.
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Where can I see a demonstration of this?
You can view an online demonstration of USACU's upgraded PCBranch Bill Pay here.
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Do I need any special software or hardware to use PCBranch Bill Pay?
To use PCBranch Bill Pay you will need to have a browser installed on your PC, which is capable of 128-bit U.S. security encryption. This is sometimes referred to as 128-bit strong encryption. If you do not have sufficient browser encryption you will receive an “Insufficient Browser Encryption” error message when you try and log on to BillPay. In addition to the error message, you will be provided with links where you can obtain the required browser versions.
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Will I have a separate password for PCBranch Bill Pay?
No. Once you have logged into USAgencies' PCBranch you will be able to access your PCBranch Bill Pay account.
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Where do I find the PCBranch Bill Pay Terms and Conditions?
Find the Terms and Conditions here.
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Do I need to contact each of my billers and let them know that I am going to be using PCBranch Bill Pay to pay them?
No. This will not be necessary.
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How many days does it take for my payment to reach the Biller (Payee)?
Most transactions will be processed within four business days. When scheduling a payment, the calendar located on the right side of the screen will give you the earliest pay date possible. Some bills may be paid on the same day, but we recommend that you schedule your payments at least four (4) business days prior to the due date. Your account will not be debited until the payment has been made.
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When do I need to have the funds in my account to cover my bill payment request, and what happens if there are not available funds in my account to cover the bill payment?
You need to have available funds in your account by prior to the payment date. If the funds are not available on the first day, we will attempt to process the payment again the next day. Please note, with each failed attempt, an NSF fee will be debited from your account. Please note that until the funds have been received, your access to PCBranch Bill Pay will be suspended.
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What if I do not have an account number for one of my Billers (Payees)?
To ensure accuracy and safety of your payments, an account number is required for all billers, except for Payments to Individuals. If you are unsure of your account number, please contact your biller (payee) to obtain or confirm this information. You can insert a memo that will be displayed to your biller or a note to yourself that will not be seen by your biller.
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Can I schedule a payment in advance? How far in advance?
Yes. You can schedule a payment up to one year in advance of the payment due date. Remember to allow four business days between the scheduled payment date and the due date. A good example of when you might schedule a payment that far in advance could be to pay annual dues to an organization or association.
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Can I make a payment from any of my accounts?
You can make payments from any of your checking accounts.
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What about payments I make every month for the same amount? How can I do this easily without repeating the payment request every month?
You can establish a recurring payment. A recurring payment must be made on the same day(s) each month and for the same amount. Use the PCBranch Bill Payment system online help for assistance in establishing an automatic/recurring payment.
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Can I place a stop payment on a Bill Payment?
Yes, you can alter any payment at no charge until the payment is processed. If a check was sent to the merchant and not credited to your account, you may place a stop payment. There is a fee associated with this service. Please view our Fee Schedule at: http://www.usacu.org/fees.php for details. If the funds were sent electronically, the payment cannot be stopped.
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How do I terminate or discontinue the USACU PCBranch Bill Pay Product?
You may cancel your use of USACU PCBranch Bill Pay anytime by selecting "My Profile" and then selecting “Cancel service."
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If I decide to stop my PCBranch Bill Pay service, when and how may I restart the service if I choose to?
You may restart the service at any time, by selecting the "Pay Bills" option on the PCBranch main menu. You will again need to agree to our terms and conditions on the "PCBranch Bill Pay Enrollment” screen. Please keep in mind, once you stop PCBranch Bill Pay service, all of your biller (payee) information and history will be deleted. You will need to add your billers again after restarting the service. Scheduled payments, including recurring payments and e-Bills, will not be paid.
Any payments listed in the Recent Payments section of the Payment Center will be paid. You will no longer have access to your bill history and you will no longer be able to send payment inquiries. We recommend that you ensure all payments have processed and then print your bill history for your records prior to canceling the service.
After you cancel the service, your billers are notified to stop sending e-Bills. However, it can sometimes take a few days for the biller to process the request. Until you begin receiving your paper bills again, you should contact the biller directly about your payment amount and due date.
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I stopped my PCBranch Bill Pay Service a while ago, and have since restarted it. Why are all of my billers (payees) gone?
Once you stop the PCBranch Bill Pay service, all of your biller (payee) and history information will be deleted, and you will need to add your billers (payees) again after restarting the service.
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