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Online Bill Pay


New Features, Greater Convenience

Our Online Bill Pay has a brand new look packed with great new features.  We've made it easier, faster and more secure than ever to pay your bills online.  Convenient new features that let you pay your bills and send money to anyone, anywhere.

  • Person to Person Payments
  • Gift Checks
  • Expedited Payments
  • eBill




PLEASE NOTE:  Your current payee information will not change.  Your previously scheduled payments will be carried over to our new service without any interruption.  If you have any questions or concerns, please refer to our list of FAQ's below or call our Customer Service Department at (315) 836-8450.


Online Bill Pay FAQ's

Some simple and straighforward frequently asked questions about Online Bill Pay.


Q: What is Online Bill Pay?
A: Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Q: Who can I pay with Online Bill Pay?
A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

Q:  What are the fees associated with Online Bill Payment?
A:  Basic Bill Payment is free for personal accounts and businesses for customers who actively pay bills each month.  Fees may apply for specialty processing options such as gift payments and rush payments.

Q:  How does the Bill Pay service work?
A:  Your payments are either electronically transferred from your Watertown Savings Bank checking account through the Automated Clearing House (ACH) network or checks are written from your account and then mailed to the payee.


Q: How do I enroll in Online Bill Pay?
A: It’s easy to enroll for Online Bill Pay. Just log into your Online Banking Account and click the Bill Payment link to access the enrollment form.

Q: How do I start using Online Bill Pay?
A: The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  1. Log in to your account .
  2. Click the "Add a Payee" button on your home page dashboard.
  3. Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

Q: How do I make payments with Online Bill Pay?

  1. Find your payee on the payments dashboard.
  2. Enter the payment amount and date, then submit.

Q: How are online payments delivered?
A: Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Q: Is Online Bill Pay secure?
A: Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Q: How long does it take before my payment is received?
A: Payments made with the Bill Payment Service require sufficient time for the Payee to credit your account properly.  We recommend you select a payment date for electronic payments at least three (3) business days before the payee’s payment due date to ensure the payment is received on time.  For payments being made by check, you should establish the payment date at least ten (10) business days prior to the payment due date.  Saturdays, Sundays and holidays are not considered business days.

Q: When will the money be taken out of my account?

A: Electronic payments are deducted from your account on the payment date.  Payments made by check will be deducted from your account when the draft reaches our bank, the same as if you had written the check yourself. 

Q: How late in the day can I enter, edit, or delete a payment?

A: Bill Payments are processed at 3:00 pm est. on the scheduled payment date. Payments requested after 3:00 p.m. EST will be initiated on the next business day.  Saturdays, Sundays and holidays are not considered business days.

Q: What happens if I have a scheduled payment that falls over a weekend or holiday?

A: A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s processing date, provided the payment is submitted prior to the daily cut-off time on that date.  The daily cut-off time, which is controlled by Watertown Savings Bank, is currently 3:00 p.m. EST.  A single Payment submitted after the cut-off time on the designated process date will be processed on the next business day.    All non-processing days (holidays and weekends) will be greyed out and you will not be able to select them.

When a recurring payment is processed, it is automatically rescheduled by the system.  Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment.  If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

·         If the recurring payment’s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.

·         If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.


Q: Can I use Online Bill Payment if I live outside the United States?

A: 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.

Q: How long is Bill Payment history retained for?

A: Payment History is retained for 18 months.

Q: Can I use Internet Banking to Pay My Existing Watertown Savings Bank Loans, Line of Credit and Mortgage Payments?

A: Absolutely, and with Internet Banking, you can get your Watertown Savings Bank payments paid faster! Simply transfer funds from one of your Watertown Savings Bank accounts (checking, savings, etc.) to the account you wish to pay. You don't even need to utilize the Bill Payment function to pay Watertown Savings Bank bills. Transferring funds will get your Watertown Savings Bank loans and lines paid faster!

Q: What Proof Do I Receive for Bill Payments Made Through Internet Banking?

A: Once your online bill payments or transfers have been confirmed, a reference number will be provided as verification that your payment has been accepted. If you have any questions or problems, contact us at (315)788-7100 during regular business hours.

Q: What if I Make a Payment to the Wrong Payee? Can I Cancel or Stop the Payment?

A: If you scheduled a payment to be processed immediately, you may not be able to stop the payment. Any other scheduled or recurring payments may be canceled if done within one business day before the process date. For additional information contact us during regular business hours at (315)788-7100.

Q: How Will I Know if My Payees Received Payments Through Bill Payment?

A: You are provided a reference number for each scheduled payment you confirm. The reference number is your proof that the payment will be processed. To verify that your payee credited your account, simply review your next bill from them to verify that the payment was received.

Q: How many payees may I have set up?

A: There is no limit to the amount of payees you can set up through the system.

Q:  Can I have multiple payments to the same payee on the same day?

A:  You can make multiple payments to the same payee.

Q: When I pay bills through the bill pay system, should I enter them in my paper check register?

A: Yes, that way you will be able to properly reconcile your checkbook with your Watertown Savings Bank statement each month.

Q:  What is Gift Pay?

A:  Gift Pay allows you to send donations to charities and gift checks to individuals for special occasions.  These payments are draft checks.  The funds are not withdrawn from your account until the the payee cashes the check. 

Q:  How much does it cost to send a personalized donation to a charity or organization?

A:  There is a fee of $1.99 per donation.  This fee will be debited from your account on the day the payment is processed.

Q:  How much does it cost to send a personalized gift check to an individual for a special occasion?

A:   There is a fee of $2.99 per gift check.  This fee will be debited from your account on the day the payment is processed.

Q:  What is a Rush Payment?

A:  Rush payments allow you to expedite a payment.

Q:  How much does it cost to rush a payment?

A:  The cost depends on the type of delivery method selected: 

  • Check Payment mailed next business day $19.95
  • Check Payment mailed second business day for $14.95
  • Electronic Payment received second business day $4.95 – limited availability

Q:  Are there transaction limits?

A:  Yes, they are as follows:

  • Bill payment to a person is limited to no more than $50,000.00 per day.
  • Bill payment to a business is limited to no more than $75,000.00 per day.
  • Email Person to Person payments to an individual may not be more than $3,000.00 per item, and a total of $6,000.00 per day.
  • Email Person to Person payments to a business may not be more than $5,000.00 per item, and a total of $10,000.00 per day.

Q: What are the primary benefits of Online Bill Pay?
A: Here's a quick list of the many ways you can benefit from using Online Bill Pay.

  1. Save time. With Online Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  3. Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  5. Help the environment by saving paper. With Online Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

?*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.


Q:  How does the person I am paying (payee) receive the money I am sending them?
A:  You can send them money either electronically through an ACH deposit or by check.

Q:  How does the person I am paying (payee) provide their Bank account information?
A:  You can either enter their bank account information if they gave it to you, or you can choose to send them a secure email and have the payee enter their bank account information.

Q:  What is a “Keyword”?
A:  A “keyword” is a word you will select and provide to the Payee when you choose to send them a secure email to provide their bank account information.  The payee will be prompted to enter the keyword as a measure of security.  If the keyword is correct they will be prompted to enter their bank account information.        

Q:  Can I change the keyword for a payee?
A:  Yes, you can edit the keyword by logging into your Online Banking and selecting the edit option for the payee.

Q:  How does the person I am paying receive their money?
A:   They may receive their money in one of two options.  Either through an ACH direct deposit or a check.  You will select how you want them to receive the money.

Q:  How do I activate a payee once I have entered their information?
A:  You will need to activate your payee by entering a one-time system generated activation code that you may receive via phone, text or email.  The code will need to be entered in the box provided.

Q:  What does a payee do if I send them a secure email to enter their bank account information?
A:  They will need to enter the “keyword” you provide them and their bank account information.

Q:  How do I know once a payee has entered their information?
A:  You will receive an email notifying you the process is complete.

Q:  How long does a Payee have to enter their information?
A:  The Payee has 9 days to enter the “keyword” and provide their bank information.  On the third and sixth days they will receive reminder emails asking if they would like to receive a payment.  If the payee does not complete their input by the end of the 9th day they will be deactivated in your payee list.

Q:  The payee is locked out and not able to enter the “keyword” and bank account information, what do they do?
A:  A payee can be locked out for entering a “keyword” incorrectly three times.  The system will automatically unlock them after 24 hours.  After the third lock out (9 total failed attempts) the payee will be deleted.  You also have the ability to unlock the payee, from “attention required” select the payees name from the Payments Dashboard. 

Q:  Can I unlock a Payee if they are locked out?
A:  Yes, from “attention required” select the payees name from the Payments Dashboard, or contact us at 315-788-7100 for assistance.


Q: What is eBill?
A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Online Bill Pay account.

Q: How do eBills work?
A: eBills are delivered directly to your Online Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q: Will I still receive paper statements when I have eBill?
A: You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

Q: How will I know if eBill is available for a payee?
A: If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Online Bill Pay dashboard.

Q: What are the primary benefits of eBill?
A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

Q: What information is included in an eBill?
A: Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.

Q: How do I pay an eBill?
A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q: How do I know when I have received an eBill?
A: You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.