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Founders Online Bill Pay

Personal bill payment service online

What could be easier? No more checks to write, no more stamps or envelopes to hassle with, no more forgetting to mail your bills on time, no more late payment fees. Instant tracking as to what bills were paid and when, for up to a year. For further details on how it works, read about how payments are processed.

To Enroll

Use our secure online form to sign up today. After enrolling, you will receive your Bill Pay User ID and PIN in two separate mailings in 7-10 days. Founders Online Bill Pay is FREE to all Founders Bank & Trust checking account customers. You'll soon wonder how you managed without this convenient service!

Founders Online Bill Pay is available to clients using Founders Online Banking. Enroll in Founders Online Banking to get started.

When and how are the payments processed?

Scheduling a Payment – For each payment, you must choose a date on which you want us to initiate the payment (the Payment Date"). The Payment Date is the day we begin the process of generating the payment you request. Because of the time it takes to transmit your payment to your Payees, they will not receive payment on the Payment Date.

Although you can enter payment information through Online Banking 24 hours a day, 7 days a week, payments can be initiated only on Monday through Friday. A payment must be scheduled by 11:00 p.m. (Eastern time) in order for the payment to be initiated that day. To provide enough time for a payment to be received by the Payee, you must schedule the Payment Date to be at least 5 Business Days before the Due Date of that payment if payment is to be made by check and 3 Business Days before the Due Date if payment is to be made by electronic transfer. The "Due Date" is the date on which your payment is due, without taking into account any applicable grace period. We will not be responsible for any loss you may incur as a consequence of late payment if you do not schedule your payment with the lead time required by this paragraph.

You may schedule a one time payment or a "Recurring Payment", which is a payment to the same Payee in a fixed amount on the same day of every recurring period (for example, on the 15th of each month). Recurring Payments may be scheduled to be made weekly, semi-monthly, or monthly. The day on which a Recurring Payment Date is scheduled to be initiated is referred to below as the "Recurring Payment Date". If a Recurring Payment Date falls on a holiday or a Saturday or a day that does not exist in a certain recurring period (for example, February 30), then the payment will be initiated on the Business Day immediately prior to the scheduled Recurring Payment Date. One-time payments may not be scheduled more than 90 days in advance.

We may withdraw the amount of each payment from your designated checking account on or after the Payment Date. You agree to have sufficient funds in your Checking Account and any applicable line of credit to make each payment you request as of the Payment Date for each payment. If there are not sufficient funds to make a payment you request, we may elect not to send your payment or we may resubmit the transaction the next Business Day.