Bill Pay FAQs

Q: Does it cost for Online Bill Pay?

A: Bill pay is free on all accounts EXCEPT One-on-One Checking. The cost for Online Bill Pay on a One-on-One Checking is $4.95 per month. However, if you enroll in eStatements then the fee will be waived.
Top^

Q: When are my payments processed?

A: The SEND ON date of your payment is the day we actually mail the check for paper payments; therefore, you will need to allow enough mail time. If the payment is electronic, your account will be debited on the SEND ON date and you should receive credit in 1-3 business days (depending on the vendor). You will need to allow ample time for your payments to be received and processed.
Top^

Q: When is my account debited?

A: If the payment is a paper draft, the check is drawn against your account. You will be debited on the day you check is presented to clear just as if you wrote a check from your checkbook. If the payment you are making is electronic, you may be debited as early as the same day you submit the payment, but no more than the 2 business days following.
Top^

Q: Where are the Online Bill Payments mailed from?

A: American Gateway Bank does not use a 3rd party vendor, therefore your payments are mailed locally from Baton Rouge.
Top^

Q: My account was debited, but the payee does not show the payment posted with my payee.

A: First, see how the bill payment cleared your account. If the payment was a check that has cleared, you may print the image of the check for proof to the payee. If you were electronically debited, please contact the bank with your posting ID number for further research.
Top^

Q: If I need to stop payment on an Online Bill Payment check, how do I know the check number?

A: Your bill payment check number is the Posting ID number generated when you submitted the payment. This information can be retrieved on the "View Postings" screen of the Pay Bills part of the system. Generally, we do not charge a stop payment fee for Online Bill Pay checks.
Top^

Q: Why does Internet Banking reflect a memo debit on the effective date of a payment?

A: There are several reasons for this. Many times it keeps customers from duplicating payments. The system does not recognize if the payment is "electronic" or "paper" until we process reports. If the payment was electronic, the debit may actually post that night and the system holds the funds to eliminate NSF. If the payment is to go out as a paper draft, the memo debit falls off and you will be debited when the check actually clears.
Top^