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Personal Bill Pay Conversion

A New Bill Pay Experience Is Here!

Our Bill Pay upgrade is complete. Members can access the new Bill Pay from the Bill Pay menu of online banking or the Bill Pay menu item in our mobile app!

Have a question about an email you received from Bill Pay? See our Bill Pay email explanation below.

What Is Bill Pay?

As a reminder, Royal Credit Union's Bill Pay allows Members to send funds from their Royal checking accounts to businesses and people:

  • Bill Pay can be used to pay a bill (for example, your phone bill) or send money to other people (for example, a gift or rent payment).
  • Bill Pay is accessed from the main menu of online banking or the bottom menu of our mobile app.
  • Bill Pay funds are sent electronically or by paper check, depending on the recipient.
  • Bill Pay is a free service that gives you control over who you pay and when you pay. You can set up one-time or scheduled payments.
  • If a paper check is sent, Bill Pay even provides an envelope and postage for free.

Bill Pay is an optional benefit for Royal Members. You do not have to use Bill Pay. You always have the option to make payment arrangements separately from Bill Pay. For example, you may be able to use your routing and account numbers to make a payment on a business's website or send a check to another person on your own. Royal Credit Union's person-to-person payments and external account transfers also provide additional options to move funds besides Bill Pay.

What Is Changing In Bill Pay?

Royal Credit Union is changing to a new Bill Pay system to provide a better experience for our Members. The change to a new Bill Pay system will take place on April 12, 2021. Most importantly, Bill Pay will continue to be free to use for Royal Members who use online banking and our mobile app.

This change affects only Members that use personal online banking and our consumer mobile app. Members who use business online banking and our business mobile app are not affected at this time.

Bill Pay Change Summary

  • An all-new interface with easy-to-use screens and options: All Bill Pay options are available in both online banking and our mobile app, with a consistent look and feel in both places.
  • Adjustments to when funds are taken out of your account: With the new Bill Pay system, electronic payment funds are taken out of the funding account on the day the payment is sent.
    • Previously, funds for electronic Bill Pay payments were not taken out of the funding account until the payment was received.
    • Funds for check payments will continue to be taken out of the sending account when the recipient deposits the check. This is not changing.
  • Bill Pay is changing to a later 4 p.m. CT cutoff time: Electronic payments set up before this 4 p.m. cutoff time can be scheduled for delivery the next business day. The old Bill Pay cutoff time was 3 p.m.
  • Users can create groups of payees: Groups allow easy management of a large number of Bill Pay recipients.
  • No separate registration required: The Bill Pay terms and conditions are now included with Royal’s online banking agreement, so there is no longer a separate enrollment process or registration for Bill Pay.

To learn how to use the new Bill Pay system, check out our video below or visit our How To Use Bill Pay page.

How To Use The New Bill Pay System


What Can Existing Bill Pay Users Expect During The Change?

Royal is migrating as much information as possible for Members who use the old Bill Pay system into the new Bill Pay system. This means that Bill Pay will be unavailable starting on April 8 at 3 p.m. Bill Pay will not be available until the morning of April 12 when the migration is complete. Any payments scheduled during this time will still be processed normally.

Information That Will Be Migrated

The following information will be migrated for existing users:

  • Payee information
  • Scheduled recurring payments
  • Future-dated one-time payments
  • 12 months of payment history

As part of the migration, Members might receive informational emails about Payees being set up in the new system.

  • These emails are for your information only and typically no action is required. 
  • All existing Payee information was migrated, even if you haven't sent any payments to the Payee for months or even years.
    • This could result in receiving an email notice about a very old Payee being set up in the new system.
    • While you don't have to do anything, know that you are always able to delete a Payee. Just go to the Manage Payees screen, view the Payee details, and select Delete.
  • The new Bill Pay system also attempts to determine if a Payee can receive payments electronically instead of by paper check to speed up processing and reduce mailing costs. If it finds the Payee's electronic payment information, it will automatically switch the Payee to receive electronic payments. This results in a courtesy email letting you know that the payment type has changed for the Payee. No action is required on your part.

Information That Will Not Migrate

The new Bill Pay system does not support reminders, alert preferences, or categories, so information related to these features will not be migrated.

In addition, for security reasons, eBills are not able to be migrated from the old Bill Pay to the new Bill Pay. You will need to set up any eBills in the new Bill Pay system when it is ready to use.

  • As a reminder, eBills allow you to log in to an online account for a third-party website from within the Bill Pay system so Bill Pay can retrieve your billing information. If you use your account login information for your satellite TV provider so Bill Pay can automatically get your monthly bill amount and due date, this is an example of an eBill.
  • The sensitive nature of eBill usernames and passwords means we are not able to migrate this information for current Bill Pay users. Thank you for helping us protect your information by setting up your eBills in the new system.