Business Bill Pay

Q: What is Business Bill Pay?
A: It’s a service from Highland Bank that streamlines the back-office functions of your small business and allows you to make payments to virtually any individual or company through your online banking account.

Q: Why is Business Bill Pay better than personal bill pay?
A: Business Bill Pay was designed specifically to meet the needs of today’s small businesses. In addition to making payments, you can run customized reports, delegate tasks and set permission controls. It all adds up to give you more resources you need and more time to focus on your business.

Q: Who can I pay with Business Bill Pay?
A: You can pay virtually any business or individual with a mailing address within the United States its territories as listed below (this includes expedited payments):

• AS – American Samoa
• FM – Federated States of Micronesia
• GU – Guam
• MH – Marshall Islands
• MP – Northern Mariana Islands
• PR – Puerto Rico
• PW – Palau
• VI – U.S. Virgin Islands
• UM – U.S. Minor Outlying Islands

Bill Pay does not process international payments.

Q: How are online payments delivered?
A: Most payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks mailed via the U.S. Postal Service.

Q: Is Business Bill Pay secure?
A: It’s one of the safest ways for your business to pay bills. Business Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases privacy because only you can access your account information, account numbers and payment history.

Q: How long does it take before a payment is received?
A: Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.

Q: How are the scheduled payments processed with Business Bill Pay?
A: Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Q: How do I enroll for Business Bill Pay?
A: To enroll, contact your banker today or call us at 952-858-4888 and we will help you get enrolled in Business Bill Pay.

Q: How do I start using Business Bill Pay?
A: First, you need to contact your banker to activate your Business Bill Pay account.

If you have enrolled, you can set up payees and start making payments in a few easy steps:

1. Go to the “Payees” tab
2. Click “Add a Payee”
3. Choose to add a company, individual, or bank or credit union
4. Complete form by providing requested information about payee and click “submit payee“
5. Then click “schedule a payment to this payee”

Making Bill Payments

Q: Does Business Bill Pay have Quicken/QuickBooks integration?
A: Yes. You can import payees from Quicken or QuickBooks directly into your Business Bill Pay account.

Q: Can I set up recurring payments?
A: Business Bill Pay allows you to set up recurring payments for bills that are consistent every month. Examples include insurance payments, contractual payments or your office lease.

Q: Can I pay multiple invoices at once?
A: Absolutely. With extended remittance you can send a single payment for multiple invoices from a single vendor.

Delegating tasks and setting permission controls
Q: What kinds of payment responsibilities can I delegate?
A: You can delegate the payment responsibilities you want, such as paying utilities and suppliers, running reports or accessing payment history.

Q: What kind of permission controls can I set?
A: Specify who can make payments, which payments they can make and the maximum payment amount. You can also set up final approvals so you give the go-ahead before any payments are made.

Customized Reporting

Q: What kind of customized reports can I run?
A: You can run reports that allow you to:

• Have the audit information you need
• Review your spending
• View the payment activity of your authorized users

Q: What is eBill?
A: eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your Business Bill Pay account.

Q: How do eBills work?
A: eBills are delivered directly to your Business Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q: Will I still receive paper statements when I have eBill?
A: You will continue to receive paper statements from your payee unless you contact your payee to stop sending those statements.

Q: How will I know if eBill is available for a payee?
A: There are two easy ways to determine if a payee offers eBill. You can check to see if there is a “Setup eBill PDF” link next to their listing on your Business Bill Pay home page, or look for the “Setup eBill PDF” icon under their name in the “View Payees” section.

Q: What are the primary benefits of eBill?
A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. In addition, you can view past bill statements at a glance.

Q: What information is included in an eBill?
A: Your full bill statement will be delivered to your account. That means you can view all statement information, including transactions, payment history, credits and more.

Q: How do I pay an eBill?
A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q: How do I know when I have received an eBill?
A: You can sign up to receive an email notice to alert you when an eBill has been delivered to your account.