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Getting Started With Online Bill Payment

Take advantage of our free Online Bill Payment Service. Once you start, you'll never want to live without this convenience.


How To Enroll For Online Bill Payment Service
Frequently Asked Questions (FAQs)


How To Enroll For Online Bill Payment Service

You'll be off and running in no time. Just follow these simple steps:

  1. Click on the "Internet Teller Log On" icon found on our Home Page.
  2. Enter your North County CU Membership Savings Account number when prompted to enter your "User Number" on the Internet Teller log on screen.
  3. Then enter your "Password", enter your TeleTeller (our bank by phone) PIN number. If you don't have a TeleTeller PIN, call our Information Center at (858) 487-1880 during regular business hours and a Member Service Representative will assist you in obtaining one. (Existing Internet Teller users enter your current password.)
  4. Select the Bill Payment icon on the Internet Teller menu.
  5. Complete the online enrollment form. This form appears for first time users only. Once registered, selection of this icon will pull up the Bill Payment Options' menu.
  6. After you complete and submit the registration form, you'll receive notification by mail when your Online Bill Payment Service is ready to use. This process takes approximately seven to ten business days.

Online Bill Payment FAQs
Learn more about our Internet Teller's Online Bill Payment Service by reviewing frequently asked questions:

  • What bills can I pay through the Online Bill Payment Service?
  • Can I use the Online Bill Payment Service with all my accounts?
  • When is Online Bill Payment Service available?
  • How far in advance should I set up payments?
  • When does North County CU take the money out of my account?
  • What happens if I do not have funds in my account when a scheduled payment is     processed?
  • Can I stop a payment?
  • Does Online Bill Payment work with Personal Finance Management packages?
  • How do I add new payees to my payee list?
  • How can I get help regarding Online Bill Payment Service?

    What bills can I pay through the Online Bill Payment Service?
    You can pay practically anyone in the U.S. using our Internet Teller Online Bill Payment Service - charge accounts, utilities, auto loans, your mortgage lender, even your doctor or day-care center. The only payments you cannot make are tax payments and court-ordered payments.

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    Can I use the Online Bill Payment Service with all my accounts?
    No, only checking accounts can be used for bill payment purposes.

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    When is Online Bill Payment Service available?
    You can schedule payments 24 hours a day, 7 days a week. Payments scheduled on a Saturday, Sunday, or holiday will be debited from your account within one to two business days.

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    How far in advance should I set up payments?
    Payment processing takes 3 to 5 working days. The main variable in processing time is whether the payee (your merchant) accepts electronic bill payment or requires a physical check. We recommend that you take this into consideration when setting your payment's processing date. A good rule of thumb is to set your processing date at least 5 business day in advance of the actual due date that appears on your bill. You can always adjust this time period later as you observe how quickly each payee posts your payment to your account.

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    When does North County CU take the money out of my account?
    Your checking account is debited within 2 business days of the processing date. The processing date is specified by you and is seen on both the Pay Bills and Pending Payments screens.

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    What happens if I do not have funds in my account when a scheduled payment is processed?
    If there are non-sufficient funds, the payment will be returned. This will prompt our system to block your checking account preventing you from making more payments until the NSF is resolved. Any future-dated payments scheduled for release during the time your account is blocked will not be sent. Please keep in mind that using our Online Bill Payment Service is just like writing a check. You must have a sufficient available balance in your account otherwise normal overdraft procedures will be put into effect and charges will be assessed.

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    Can I stop a payment?
    You may cancel a pending bill payment by going to the Pending Payments screen, selecting the payment to be stopped, and clicking on the Delete Payment.

    Payments can be canceled only when they are found on the Pending Payments screen. Once the payment has been processed and the amount is debited from your account, the transaction can be seen on the Bill Payment History screen.

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    Does Online Bill Payment work with Personal Finance Management packages?
    Your checking account transaction history can be downloaded to either Quicken® or Microsoft® Money97 from Internet Teller's Account Access Service. Online Bill Payment transactions are reflected as a part of your Internet Teller's checking account activity.

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    How do I add new payees to my payee list?
    You can add a new payee to the payee list by using the Add Payee screen. This change is effective immediately.

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    How can I get help regarding Online Bill Payment Service?
    You have several options available to you. Online Bill Payment Service contains an easy-to-use Help feature. This is a quick way to find information on how to perform a particular task. You can also email or contact our Information Center at (858) 487-1880.

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    Can't wait to use this convenient service? Log on now to Internet Teller to complete the Bill Payment Service enrollment form online.