Bill Pay

Bill Pay, a free service included with your SELCO account, makes it easy to schedule one-time or recurring payments from your SELCO accounts. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere you are.

All you need is a SELCO account, internet access, and any browser besides Internet Explorer.

If you receive this message, it's likely because you don't currently have an email address on file. Once you add your email, you shouldn't see this message again.

To add your email: Log in to digital banking and select your profile icon in the upper-right corner, then select “Profile” (on mobile, select “Profile” from the Menu option). Under the Personal Details tab, enter your email address, then select “Save Changes.” You should now be ready to enroll in Bill Pay.

This is expected and based on what that payee has requested the Bill Pay processor use. If there are any updates to your payee information, these changes will happen automatically and will help ensure that your payments are processed quickly and correctly.

If you need to update contact info for an electronic payee—including individual payees—you’ll need to delete and re-add the payee.

With the upgrade, account holders can each have their own personalized login. Each account holder will also have their own Bill Pay profile and payees, meaning scheduled bill payments won’t immediately be visible between users. However, account owners can submit a secure form in digital banking to request Bill Pay profiles be manually linked between users.

If a check payment isn't deposited within 90 days, the check will be canceled and the refund will be credited back to the account you used to make the payment. You'll receive an email notification after the refund is deposited into your account.

We recommend first verifying that the payee name, address, and account number in Bill Pay exactly match what is listed on your bill—even small changes to what the payee has requested may cause your payment to go by check. If this doesn't change your payment type from check to electronic, then the payee currently accepts check payments only.

However, there is a form you can provide to the payee that would let them convert from check to electronic payments, making it faster and easier for you to send and track payments (and for payees to receive them).

SELCO allows up to two skip payments over a rolling 12-month period on eligible loans with the following conditions. A $30 fee applies.

• No other conditions of the original loan agreement will be modified.
• A minimum of three consecutive payments must be made between Skip Payments.
• All SELCO accounts must be in good standing.

Please note, not all loans are eligible. The following loans are excluded:

• Loans with Collateral Protection Insurance (CPI) added.
• Past due loans.
• Real estate secured loans.
• Auto loans in the Options program.
• Loans with payment arrangements or payment deferrals agreed to with the Collections Department.

Note: Interest on a loan balance will still accrue when a payment is skipped.

To get started, check out our Request a Skip Payment How-To.

Yes, a Health Savings Account can be used as the source of funds for Bill Pay payments. You can also write a check that pulls directly from your HSA or visit your local SELCO branch to make a withdrawal from your HSA.

Bill payments can be scheduled at any time. However, payments are only made on business days. The cutoff time for a payment to be processed the same business day is noon.

If a check payment has been processed but has not yet cleared, it may be stopped. To do this, you'll need to call us at 800-445-4483. Unfortunately, once an electronic payment is processed, it can't be stopped. You would have to request a refund directly from the payee.

Electronic payments are completed within 1-2 business days, while check payments take 4-7 days to arrive at the payee. It may take the payee additional days to route and process the check. Payments also may be expedited by paying a fee.

The per-transaction and per-processing day limit is $30,000. Electronic payments to an individual are limited to $2,000 per item and $2,000 per day. Payments by check to an individual follow the per-transaction and per-processing day limit of $30,000.

Most likely, a payment to the payee was returned, and the payee was deactivated to avoid another transaction being sent with erroneous information.

Most likely, a payment to the payee was returned, and the payee was deactivated to avoid another transaction being sent with erroneous information.

To update a payee's information in digital banking, simply click on the payee and fill in the proper fields. Note: Payees paid by check can be edited by name, address, account number, and phone number. Payees paid electronically can only be edited by nickname, address, and account number.