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Bremer Bill Pay Frequently Asked Questions

Bremer Online Banking Bill Pay FAQ

What are the benefits of Bremer Bill Pay?
How do I access the Bremer Bill Pay feature?
What is the fee for Bremer Bill Pay?
Whom can I pay using Bremer Bill Pay?
Can I set up recurring payments?
How far in advance of a bill's due date, should I schedule the payment?
What is the cutoff time for entering payments?
When are the funds for a payment removed from my account?
What if I do not have sufficient funds in my account to cover the amount of the Bremer Bill Pay?
How will I know if the payee received my Bremer Bill payment?

 


Bremer Online Banking Bill Pay FAQ

What are the benefits of Bremer Bill Pay?
Bremer Bill Pay is Bremer's free bill payment system.  Benefits include:

  • Quick and easy payments without the hassle of checks, stamps and envelopes.
  • Convenience of one-time or recurring payments.
  • Flexibility to modify or delete payments before they are processed.
  • Ability to view and sort payment history.

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How do I access the Bremer Bill Pay feature?
To access Bremer Bill Pay, you must be enrolled in Bremer Online Banking.  Once you have successfully logged in, Click Pay Bills to get started.  After a quick enrollment, you can begin by setting up payees.  Additional help is available using the "Help with this Page"  link on each page of the Pay Bills tab.

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What is the fee for Bremer Bill Pay?
There is no fee for using Bill Pay.  All bill payment transactions are free.

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Whom can I pay using Bremer Bill Pay?
Most individuals or companies with a mailing address in the United States can be paid through Bremer Bill Pay.  Payees can be a business, professional, an individual, family member or friend.  Tax payments, court ordered payments, and payments to payees outside the United States are prohibited through Bremer Bill Pay.

Payees are set up from the Manage Payees page in the Pay Bills tab.

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Can I set up recurring payments?
Recurring payments can be set up for fixed amounts (such as a mortgage payment).  Payments are set up on the Schedule a Recurring Payment page within the Pay Bills tab.  In order to schedule a recurring payment, you must indicate a frequency (such as monthly) and the number of payments (either fixed or unlimited).

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How far in advance of a bill's due date, should I schedule the payment?
When scheduling a payment, use the Estimated Delivery Time to select a process date.  Payees who have electronic payment systems take approximately 3 business days to process a payment; Payments that will be made by paper check through the mail will take approximately 5 business days to reach the payee.

If the payee accepts electronic payments, payments to that payee will be made electronically.  Whenever possible, we make the payments electronically.  However, if a payee does not accept electronic files from Bremer, we will mail a paper check.

Payments scheduled to process on the weekend or holiday will be processed the prior business day to ensure that payment is received by the payee for timely processing.

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What is the cutoff time for entering payments?
Our daily cut-off for bill payment transactions is 5:00 p.m. (CT). Payments created after that time or on weekends and holidays can be scheduled with the next business date.  In order to update a payment scheduled for today, the edit must occur before 5:00 p.m. (CT).

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When are the funds for a payment removed from my account?
Funds for payees who accept electronic bill payments are automatically deducted from your account on the process date of the payment.  Payments that will be sent by paper check are deducted from your account when the payee deposits the check and it is presented to Bremer for payment.

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What if I do not have sufficient funds in my account to cover the amount of the Bremer Bill Pay?
If funds are not available in your account, electronic payments will be attempted on the next business day.

Check payments are posted to your account after the payee deposits the payment and the check is presented to Bremer for payment.  Bill Pay checks that overdraw your account will incur an overdraft fee and could potentially be returned to the payee for non-sufficient funds.

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How will I know if the payee received my Bremer Bill payment?
You wil know the payment was made to the payee when the funds are taken from your account.  Electronic payments are posted to your account on the "Process Date".  Check payments are posted to your account after the payee deposits the payment and the check is presented to Bremer for payment.

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