Pay Bills

How do I sign up my bill payment payee?
To add a new payee, select either the 'Add a New Company Payee' or the 'Add a New Person Payee' link.

When adding a Company Payee:

• Enter the name of the company you want to pay, and click 'Search', you will be presented with a list of potential matching companies
• Select the company you wish to pay
• Next, you will be presented with addresses associated with your company, selected the correct address, click next.
• The name and address information will be pre-filled out for you to verify.

When adding a Person Payee:

You are presented with the option for 'Mail a check' or 'Deposit funds into an account at People's United'.

• Mail a check requires the entry of name and address information.
• Deposit Funds into an account at People's United requires you to provide your payee's account number, his/her name, and zip code

To edit a payee, select a payee's hyperlinked name to edit the details of that payee. After making changes to a payee, you will receive a confirmation page before the changes are saved.

On the Manage Payees page, check the Active checkbox next to a payee to make that payee active, or uncheck the checkbox to make the payee inactive. At the bottom of the payees list, select Make Changes to save your changes, or select Cancel. To delete a payee, select the recycle bin icon next to a payee. You will receive a confirmation page before deleting the payee.

*Important Note* For your safety, People's United Online Banking is set up to automatically log you out of your People's United Online session if left idle for 10 minutes or more. So please have your merchant information ready prior to attempting to add or change a merchant.

I can't find my payee or payee address from the picklist. How can I add it?
If your company doesn't appear in the search results, simply click "Let me enter all the information for my company." This will bring you to a form where you can enter your company's payment information and account number. This link is located on the "Add a Company Payee" page.

I just added an account. How come I can't pay bills with it?
Any new accounts to your profile will have to be enabled for bill payment use. You can do that by clicking on the 'Customer Service' tab then clicking on 'Account Preferences.' Activate the account by checking the box under the column that says 'Use for Bill Payment.'

Important things to know:

• Transfers and bill payments made after the close of business Monday through Saturday or any time on a Sunday, will be reflected in your account history and balance the NEXT business day.
• If you make your payments via People's United Online™ within the agreed upon time frames and receive a confirmation number, People's United will guarantee that payment. If a merchant claims not to have received payment from People's United, simply send us a secure email or call People's United Call Center and we will resolve the situation for you, including any late fees or penalties.
• Payments cannot exceed $999,999.99 in a single transaction.
• Some electronically paid merchants may have lesser limitations.

Deleting or changing a pending bill payment
To edit or cancel a pending payment, select the Edit/Cancel hyperlink next to a pending payment. You can sort the list of pending payments by selecting the hyperlinked column headings. You may change or delete pending payments by selecting the change/delete link.

You will then be presented with the following options.

• Review Details (Shows you the details of the payment)
• Change this Payment (Change just this instance of a recurring payment)
• Change the Recurring Series (Change the entire series)
• Skip this Payment (Skip just this payment, but keep the series running)
• Delete the Recurring Series (Delete the entire series)

Important - Please read the bullet points below:

• People's United Bank pays your bills one of two ways. If a merchant is set up to receive payments electronically, we send credit to them "computer to computer" and your account with the merchant can be credited very quickly. While you should contact your merchant for how much time to allow, we would recommend as a guide a minimum of 5-6 business days.
• However, many merchants (including some very large national ones) are not set up to receive payments electronically. In those cases People's United cuts a physical check for the amount of your payment, and sends it via 1st class mail to the address you gave us when you asked us to set up the merchant. Your payment is credited to your account only after it physically travels to the merchant and is processed by their internal processes. While you should contact your merchant for how much time to allow, we would recommend as a guide a minimum of 5-6 business days.
• Any bills you have authorized for payment today or for future dating will appear in PENDING section of the Bill Payment window whenever it appears. Payments you make today or Future Dated payments scheduled for today will only appear until the end of the bank's processing day, after which point they can no longer be cancelled or changed.
• When entering the date for future bill payments, you need to enter the date in the "MM/DD/YYYY" format. For example, September 15th, 2002 should be entered as 9/15/2002.

Can I future date AND pay the same bill today?
People's United gives you the ability to pay a bill today, as well as schedule an additional payment for the future (for example, while you are traveling). To schedule a one-time payment, in the row of the payee who will receive the payment, select an available account in the dropdown menu from which you want the payment to be made. Enter a message in the Personal Note field (optional). Select the process date of the payment by entering the date, or select the calendar icon to choose a date (you will see the Estimated Delivery Date presented below). Enter the amount of the payment in the Amount field and select Next to continue. After you have verified and confirmed your payment, click on the "Pending Payment" link. You'll see the Future Dated bill payment(s) you have just made.

Can I set up reoccurring bill payments?
Yes. To schedule a recurring payment first click on the "Pay Bills" menu tab. Next, click on the "Create Recurring Payment" link. The link will take you to the "Create Recurring Payment" page, where you can schedule your recurring payments. To start, use the dropdown menus to select the payee, the account from which to make the payments, and enter the payment amount. Enter the process date of the payment, or select the calendar icon to choose the first date. Use the dropdown menu to select the frequency of the payments, and select whether you want a fixed number of payments and enter that number, or select Unlimited.

For example, if you have a car payment with 3 years of fixed payments, you may select a monthly payment to repeat for 36 times. Or if you have a mortgage, you may instead enter the payment to repeat indefinitely.

Enter the amount of the final payment in the series, if different than the recurring payment amount. Enter a message in the Personal Note field (optional). Select Next to continue, or select Cancel to clear the form. If you select Next, you will be presented with a confirmation page for the recurring payment. Select Add Payment to add the recurring payment, select Back to go back and edit the recurring payment, or select Cancel.

What if my payment isn't credited by the merchant?
Because of the different ways merchants receive payments (see above), you should make sure that enough time has elapsed to be sure that the payment isn't already being processed by the merchant. If you know they have had enough time to process the payment (we would suggest a minimum of 7-10 business days), you can call or email People's United with the date your payment was made using our bill payment service, and we will immediately start researching as to the cause of the delay. We will resolve all bill payment problems within 10 business days of your report to us. In the majority of cases, the merchant has received People's United payment and has simply not credited your account as of the time of your initial inquiry or last statement.

How do I check previous payments that I've made?
Click on "Payment History." Then select the details link on any payment to view the details. You may also sort your payment history by payee or payment status and you may even choose the amount of history you would like to view. You can view up to one year's worth of bill payment history.

Transfering Funds between Accounts
(Available to Personal Accounts Only)

You may transfer funds between checking accounts by setting up the account to receive the transfer as a merchant. Once this account is listed under your merchant’s list, you can make a "bill payment" to that account. To transfer funds between your accounts, try the following:

• Login to People's United Online
• Select add merchant located under services.
• Choose indvidual/person from the drop down list.
• Complete all required fields.
• Submit the form for completion.

You will receive a written confirmation in the mail within 5 to 7 business days. Your merchant should appear on your account at that time.