How much does Online Banking cost?
There is no charge to use ENB's Moonlight Banking Online Banking service.
All you need to
do is apply for an account.
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What banking services will I be able to do online?
• Perform inquiries
about your accounts
• View current
and past statements
• View and
sort transactions since last statement
• Search transactions
• Transfer
funds between your accounts
• Pay loans
online
• View images
of cleared items
• Make stop-payment
authorizations
• Monitor customized
alerts by amount and date
• View product
information for lending deposits
• Download
transactions in various formats
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What happens if I lose or forget my ID or PIN?
At this time, there is not a separate ID and PIN for Bill Pay. If you
lose or forget your ID or Pin
for Online Banking/Bill Pay, contact us.
With proper verification, your ID or a temporary Pin will
be given to you.
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Do I have to have Online Banking to use Online Bill Pay?
Yes, you have to apply for Online Banking to be able to use Online Bill
Pay.
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Will my Online
Banking/Bill Pay sessions be secure?
To guarantee the security of your online banking information, the following
safeguards are in place:
•
Your banking information never travels the Internet without encryption
protection.
• Log-in sessions
have a time-out limit and, after the limit is reached, you are required
to log in again.
• PIN guessing
is deterred and reported.
Also, security enhancements are constantly being developed and implemented
to ensure the
integrity of Online Banking and Bill Pay.
In
addition to the security provided by these safeguards, it's also important
for you to know
how to detect and avoid financial scams, or "phishing." For
more information, read the
recommendations
from the Anti-Phishing Working Group.
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How much does Online Bill Pay cost?
There is a $4.95 monthly fee for the Bill Pay service. This fee covers
the first 10 bill payments
each month. Each additional bill payment costs .50 cents.
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Whom can I pay through Online Bill Pay?
You can pay ANYONE in the United States, from the next-door neighbor
to the utility company
to the bank and even to a child in college across the country.
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Are there any merchants that I cannot pay through the Bill Pay service?
No. Any merchant that is in the Bill Pay database can be paid electronically.
If a merchant is
not in the database, you
can still send the payment as a check. Make sure that you enter your
merchant account number exactly the way it appears on your bill. If
you choose a merchant
on the electronic database that requires an address match, choose the
correct remittance
address listed on your bill.
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Can I use
Online Bill Pay if I live outside the U.S.?
Yes, as long as you have a bank account in the United States. However,
you cannot pay bills
to payees located outside the United States.
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How do I add a new payee to the list?
Check payments: Simply enter the information in the fields.
Electronic
payments: Click on the Search Electronic Payee List next to the
Payee Type.
An electronic payee cannot be added without performing a search. If
the requested payee
is not a result of a search, it must be added as a check payee.
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How do I edit a payee's information?
Once a payee is set up, you may edit only the Payee Alias and the Account
Number. If you
need to change the address on a payee, you will need to either delete
the payee and re-enter
the information correctly as a new payee or keep the existing payee
information and add the
same payee back in with the new information.
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Can I edit payee addresses?
No. Once an address is entered, it stays with that payee. If you need
to change an address,
you will need to recreate the payee using the new address.
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How do I delete a payee from the list?
Go to the View Payee List, and click on the red X next to the payee
you wish to delete. If you
have any payments tied to the payee that you try to delete, you may
get a red message that
says: "Unable to delete payee: [payee]. An outstanding payment(s)
exists." If you still want
to delete the payee, just select Delete Payee to delete the payee and
all associated payments.
You can also delete the payee by scrolling to the bottom of the screen
and clicking on Delete Payee.
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How many payees can I set up?
There is no limit to the amount of payees you can set up through the
Internet.
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How do I know if a payee is electronic or check?
Once you have set up the payee, you can look at the PAYEE LIST screen,
which has a field
that tells you if the payee is electronic or check.
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How do I search for electronic payees?
Click on the Search Electronic Payee List. Enter the name of the payee
you want to add.
You can also search by the first letter of the company's name.
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What is the View Payee List?
This is a list of all the payees that are established for your account.
They will be listed in
alphabetical order by Payee Alias.
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Once I've entered my payees, how do I go about setting up payments?
Select Pay Bills on the drop-down menu when you are ready to pay the
payees that you
have set up. You can set up as many payees and as many payments as you
want up to
the year 2027. When you begin setting up payments, you will need to
provide the
following information:
• Account you
want to pay the bill from
• Amount to
be paid
• Payment date
• Payment frequency
rate
• Payment description
•
Information for the memo line
• Whether you
want an alert when the bill is paid
• Whether you
want a variable payment
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How do I set up a one-time payment?
Setting up a one-time payment is just like setting up any other payment.
Once the information
is entered and you select one-time payment, just enter a payment date
and click on Submit.
A green Successful Message will appear at the top of the screen, and
you will be brought
out to the View Payees screen.
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Can I postdate a single payment?
Yes. Just set the payment date for a valid future date.
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How do I set up a recurring payment?
When setting up a recurring payment, you will be given a few more choices
than if you were
setting up a one-time payment. You will be able to save your memo for
future payments,
and you will need to decide on a frequency rate, start/stop date and
whether the payment
will be a variable payment. If you choose to always send your payment
on the last day of every
month, you
will want to select the box next to the start date that says "Force
payment on last
day of month." If you do not choose this box, the months that do
not have 31 days will be skipped
and no payment will be sent. If you choose the variable payment option,
it will be necessary
each month to go back into this payee and enter a payment amount. If
you do not enter an
amount, nothing will be sent.
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Can I postdate recurring payments?
If a monthly recurring payment is set up to be paid on the 15th, and
the current date is
November 12th, a payment will be scheduled for the month of November
and set up to occur
the 15th of every month until the end date is reached. However, if the
payment is set up to be
paid on the 15th, and the current date is November 16th, the first payment
will occur
on December 15th.
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What happens if I have a scheduled payment that falls over a weekend
or holiday?
If a SCHEDULED payment falls on a holiday or weekend, it will be paid
on the Friday
BEFORE the weekend or the last working day BEFORE the holiday.
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What payment frequencies are available?
You can set up payments in any of the following frequencies:
•
Weekly
• Bi-weekly
• Monthly
• Semi-monthly
• Quarterly
• Annually
• Semi-annually
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When can I edit the amount on a scheduled recurring payment?
You may edit the dollar amount the next business day after the scheduled
payment date.
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How do I delete a scheduled payment?
You may delete a payment scheduled for the current day or any days forward
provided it is
done by 2:00 AM CST on the scheduled payment date. If it is after 2:00
AM CST and your
payment was sent electronically, it is too late to stop it. If your
payment went out as a check,
a stop payment can be placed on that check by contacting
us. Once the payment is printed
and mailed, the payment history will show the check number for that
payment.
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How late in the day can I add, edit or delete a payment?
You may add, edit or delete a payment up to 2:00 AM CST on the day the
payment is
scheduled to be sent. If a same-day payment is submitted between 2:00
AM CST and
Noon CST, it may be edited until Noon CST.
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How far in advance should I set up a payment to ensure it is paid on
time?
Electronic payment: Allow 3 to 4 business days from when the
payment is submitted.
Check payment: The check will be in the mail on the same day
the payment is submitted
if it is submitted before the 2 a.m. processing. If the check payment
is entered before
12:00 Noon CST, the check will be mailed the following morning. Allow
5 to 7 business
days for a check payment. Please note, of course, that we have no control
over the
U.S. Postal Service.
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Are there minimum and maximum payment amounts?
Electronic payments are validated against the available account balance
prior to
processing, and check payments settle against your account like any
other check.
Therefore, there is no dollar limitation on payments made through this
Bill Pay service.
You are limited only by the amount of funds in your account.
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Can I make multiple payments to the same payee on the same day?
Yes, you can make as many payments to one vendor in one day as you want.
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Can I stop a payment?
Electronic payments: No, electronic payments cannot be stopped.
Check
payments: Yes. After the check is printed and mailed, payment history
will show the check number for that payment. The stop payment would
be added
in the same manner as for a regular check written out of your checkbook.
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Can I get a copy of a cancelled check?
Yes. You will need to contact us for this
information.
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Will the memo field text be passed on to the payee?
Check payments: Yes, your memo will appear on check bill payments.
The memo
field is 40 characters long. Any amount over 40 characters will be cut
off.
Electronic
payments: Memo field information will not appear on electronic payments.
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When and how are
payments processed?
Payments submitted, recurring or one-time, before 2:00 AM CST Monday-Friday
will be processed at 2:00 AM CST. Payments submitted between 2:00 AM
CST
and 12:00 Noon CST will be processed at 12:00 Noon CST. Payments received
after 12:00 Noon CST on Monday-Thursday will be processed the next business
day.
Payments received after 12:00 Noon CST on Friday will be processed the
next
business day. All payments scheduled to go on a weekend will be processed
on
the processing day before the weekend. All payments scheduled to go
on a holiday
will be processed the day before that date. Payments entered on the
weekend,
recurring or one-time, will be processed on the next business day.
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