Frequently Asked Questions - ePay

There is no monthly fee for the ePay Service, which includes 15 bill payments each month. There is a 40-cent transaction fee for bill payments over 15 bills per month.

Just access our Online Banking. Log in and select the Bill Payment tab. If you are new to Online Banking, click here and follow the registration steps to get started.

Enter the date you would like the funds debited from your account. Allow two to five days for your payment to be received.

If a payment fails because of insufficient funds, an alert will appear in the messages box on the ePay system. ePay will automatically retry the payment on the next business day. If the payment is successful on the next business day, no further notification is sent. If the payment fails on the retry, a second message is sent. No additional automatic retries will be attempted. The system will then assess your account a $20 Non-Sufficient Fund (NSF) Fee.

No. The ePay system runs only on business days. Any ePay request, received on a holiday or weekend, will be processed on the next business day.

We recommend that you follow up with the recipient of the payment to verify it has posted. Keep in mind that ePay payments are a new way of paying bills. They are sent without a coupon or statement and many times payees process these payments as exceptions. This can add time to the recipient’s posting process.

Some payees require that payments not accompanied by the designated payment coupon, be sent to an alternate address. If you have questions or concerns regarding the correct address for your payments, please check with the recipient of your payment.

 

From the Payment Activity page, you can submit questions about any of your payments to our Member Service team. To ask about a payment, find the payment in the Processed Payments section. Click the "Inquire" link next to that payment information.

If the payment was processed more than 30 days ago, click the "Viewing Last 30 Days" link on the right side of the Processed Payments bar. A window appears, where you can select to view up to 365 days.

Enter the reason for the payment inquiry, and all required information, and click "Submit".

First, we recommend that you contact the designated payee of the bill and verify your information with them.

You can also contact Credit Union of Colorado at 303-832-4816 or 1-800-444-4816 or submit a Payment Inquiry through ePay. From the Payment Activity page, you can submit questions about any of your payments to our Member Service team. To inquire about a payment, find the payment in the Processed Payments section. Click the "Inquire" link next to that payment information.

If the payment was processed more than 30 days ago, click the "Viewing Last 30 Days" link on the right side of the Processed Payments bar. A window appears, where you can select to view up to 365 days.

Enter the reason for the payment inquiry and all required information, and then click "Submit".

If you submitted a payment and the Send On date is today, you can only delete that payment during the session in which you submitted it. Credit Union of Colorado cannot put a stop payment on bills that have already been paid.

No. Please use Online Banking or ATTIE--our 24-hour Telephone service--to transfer loan payments to any Credit Union of Colorado loan you may have. Access to Online Banking can be done through our website at cuofco.org. You can access your account through ATTIE at 303-894-9440 or 1-800-825-6294.

If you prefer, contact us directly at 303-832-4816 or 1-800-444-4816 to get your Credit Union of Colorado loan(s) set-up on an automatic transfer from your savings or checking account.

The "Payee" information indicates whether a payment is a two-day electronic payment or a five-day check payment. Please Note: Timeframe for payments is based on business days.

The process by which a payment is paid is determined by how the payee accepts payments. Our ePay processor verifies the payee, for each payment request established and authorized by you, to determine if the payee accepts electronic payments based on the information provided.

If the payee does not accept electronic payments, your bill payment request is sent by check to the payee.

We suggest you enter your payment information at least five business days before the payment is due.

If the payee you are trying to pay accepts electronic payments, it takes up to two business days. If the payee you are trying to pay accepts check payments only, it takesup to five business days.

Please Note: Payments initiated on Fridays, Saturdays, Sundays, and holidays are processed on the following business day. (Example: A payment request initiated on Saturday debits your account on the following Monday.)

Yes. Make sure to fill out the ePay information completely for each designated payee.  Give each payment a short name; this short name will show up on your regular member statement. (Example: A payment to Qwest shows up on your statement as Qwest, along with a reference number for that payment.)

Please contact a Credit Union of Colorado Member Representative at 303-832-4816 or 1-800-444-4816.