Free Bill Pay

You decide when your bills are paid and can even set reminders. Right inside Digital Banking

COASTAL BILL PAY FEATURES

It’s Free!*
Throw away your check book! You can pay all your bills with our free Bill Pay Service.
Easy Access
Bill Pay is featured right inside Online Banking and our Mobile Banking App.
Get Alerts
Get notifications when a new bill arrives, has been paid, or when a payment is due.

Bill Pay

Using Bill Pay is Easy

You can enjoy all the great features of Bill Pay on both your desktop computer and mobile phone, including Person to Person Payments (P2P)

FREQUENTLY ASKED QUESTIONS

One of the biggest benefits is you can enjoy all the great features of Bill Pay on both your desktop computer and mobile phone, including person-to-person payments (P2P). Everything you can do in one, you can do in the other. This new program will also allow us to provide even more benefits in the near future.

Yes. All of your active billers and Bill Pay transactions over the last 2 years have been converted to our new bill pay system.

If it is an electronic (ACH) payment, the money will be removed from your account on the Send Date. If the payment is sent as a paper check, the money will be removed from your account when your biller deposits the check. Make sure you keep enough money in your account to cover the check whenever your biller deposits it.

When you make a check payment in Bill Pay, we create a check as if you had written it yourself, and it’s treated just like any other check. Make sure you keep enough money in your account to cover the check whenever your biller deposits it.

The estimated delivery time will display when you request to submit a payment.

  • If the biller is setup for electronic (ACH) payments, they should receive the payment in one (1) business day (if submitted before 5:00 p.m.).
  • If the biller is not setup for electronic payments, we will send a paper check, which the biller will typically receive in three (3) to five (5) business days.

On the Payments tab, you can see the Send and Estimated Delivery date. If you expand the Transaction, you can view the status and tracking information.

Some billers are not set up for electronic (ACH) payments within Bill Pay. The list of electronic billers will grow over time as we onboard additional billers for electronic payments and eBills.

Yes. You’ll need to manually enroll the biller to send a paper check. From within Digital Banking, navigate to Bill Pay > Pay Bills, click Add Biller, click Search for Biller, click Add Biller Manually, and enter your biller’s information.

From the Pay Bills tab within Bill Pay

  • Click the down arrow ⌵ in the lower right corner of the biller’s section
  • Click the Edit pencil ✏ next to the biller’s name
  • Update the biller’s information as needed or click the Delete button to remove the biller

Some converted biller names were outdated and have been updated to use their current company name.

You can see Bill Pay check images the same way you see images for other checks you write inside Digital Banking.

  • Go to the navigation menu and select “Accounts
  • ”Select “Accounts Summary”
  • Select the checking account used to make the payment, locate the Bill Pay transaction, and select the check icon to display the check image.

Check payment that have already been sent can’t be cancelled. However, you can place a stop payment to prevent anyone from depositing the check. See our Schedule of Fees for the costs associated with stop payments.

From the Solution Center within Digital Banking, select “Place a stop payment”. You will need to provide the check number displayed for the payment in Bill Pay Transaction History. You may also place a stop payment by Secure Message or Live Chat within Digital Banking or by calling us at 800-868-4262.

If an electronic payment is rejected, the money is returned to your account after a few business days.

On the Payments tab, expand the transaction. From there you can delete a payment.

No. Electronic payments cannot be cancelled after they’ve been sent. If you need to dispute a transaction, please contact us at by sending a Secure Message inside Digital Banking or call us at 800-868-4262.

If money is not available in your account when your biller deposits the check payment, the payment will be rejected, and you may incur a non-sufficient funds fee. Services like Bounce Guard and Overdraft Projection can help ensure that your check payments are not rejected.

After enrolling in Electronic Bills, the biller may require up to 2 billing cycles to display eBills inside Bill Pay.

Yes. Both mobile and desktop Digital Banking share the same features.

You must submit your payment by 5:00pm to be processed that day. The Biller will receive the payment according to our standard delivery timeline.

Bill Pay allows payments to US territories, but international payments are not allowed.

There could be two reasons you are unable to access Bill Pay.

  1. Bill Pay does not work in “private” or “incognito” browsing mode. Be sure to use a regular browsing window when accessing Digital Banking.
  2. Your browser must accept third-party cookies to use Bill Pay.

If you are having problems accessing Bill Pay, here are the instructions to enable third-party cookies for Bill Pay:

Using the Chrome Browser

First, select Bill Pay in the top menu of Digital Banking to access the Bill Pay page. In the top right corner of your browser (inside the address/location bar) you will see a gray “eyeball” icon with a slash through it. Click the eyeball icon. In the box that pops up, click the link that says, “site not working?”. Lastly, click the “Allow cookies” button to enable third-party cookies for Bill Pay.

Using the Edge Browser

First, select Bill Pay in the top menu of Digital Banking to access the Bill Pay page. In the top right corner of your browser (inside the address/location bar) you will see a “cookie” icon with a red “x”. Click the cookie icon. In the box that pops up, click the link that says, “site not working?”. Lastly, click the “Allow cookies” button to enable third-party cookies for Bill Pay.

Using the Firefox Browser

First, select Bill Pay in the top menu of Digital Banking to access the Bill Pay page. In the top left corner of your browser (inside the address/location bar) you will see a “shield” icon. Click the shield icon. In the box that pops up, click the toggle switch to disable “Enhanced Tracking Protection”. This will enable third-party cookies for Bill Pay.

Each Bill Pay provider has different relationships setup with billers. This determines whether a payment is sent via check or ACH. We are working with our new Bill Pay provider to re-establish ACH connections with these billers.

When we transfered your biller info to our new service, we had to use the original information you provided for the biller profile and addeses to process the payments. Overtime, some of your billers may have changed their address. Unfortunately, we were not able to transfer their most recent address and account numbers as that information is tied to our old Bill Pay service. To make sure your payments contintue to process correctly, you willl need to update the biller information from your recent biller statement or invoice.

The reason payments continued to process on the previous system regardless of biller changes is because bill pay providers subscribe to biller networks to establish electronic payment processing on your behalf and they manage their own biller profile and addresses for processing your payments. Unfortunately, these are proprietary payment processing arranges between bill pay providers and biller networks and if we had used that information in the biller records it would not have worked for payment processing by the new provider.

There are three big reasons we make this upgrade:

  1. Our new Bill Pay service gives you full control over all your bills on both your desktop computer and mobile phone.
  2. Improved and easier to use Person to Person Payments (P2P), right inside Bill Pay
  3. Our new Bill Pay service also allows us to provide even more benefits in the near future, like “Action Insights” which is a special tool that finds ways to save you money on your bills.

The reason why the first scheduled payement does not process is because it  starts at the delivery of the next bill. 

The "deliver date" is the anticipated date of your bill arrival. The "send date" is the date your bill will be processed. If it is an electronic (ACH) payment, the money will be removed from your account on the Send Date. If the payment is sent as a paper check, the money will be removed from your account when your biller deposits the check.

*Standard data and message rates apply”

Need help?

Or Call Us