Have a Question About ESL? Look Here for an Answer!

Maybe you want to get the scoop on our products and services. Or learn how to use online banking. (No sweat: It’s easy!) Or explore our proud history. Or read up on our policies and disclosures. No matter what you’re looking for, this is a great place to start.

And if you need more information or assistance, contact us today.

How do I register for ESL Bill Pay?

Once signed in to personal online banking, you may register for ESL Bill Pay by either clicking Bill Pay or you may mouse over Bill Pay and click Pay a Bill.

To gain access to Business Online Banking and Business Bill Pay, complete and sign the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

How do I edit a payee?

To edit information for an existing payee:

  1. Sign in to online banking.
  2. Click Bill Pay.
  3. Locate the payee in your My Bills & People I Pay list. 
  4. Click Options.  
  5. Click Account Information.
  6. You may be able to edit some or all of the following: 
    • Account Number 
    • Category 
    • Nickname 
    • Address (if paid electronically, this field cannot be edited) 
    • Phone Number

If you do not get the option to change the address, but still need to update it, delete or hide the payee and set it up again. 

What does it cost to use ESL Bill Pay?

ESL Bill Pay is a FREE service that is available for all ESL members with a checking account.

For ESL Business accounts, fees may apply to certain checking accounts.  

How can I determine if eBills are available for my payees?

If eBills are available for one of your existing payees, Get eBill will display to the left of the payee name.

If eBills are available for a new payee, a screen displays from which you can set up eBills while you are adding the payee.

How do I cancel eBills?
To stop receiving a Bill Pay eBill please: 
 
  1. Locate the Payee in your Payee List.
  2. Click Options.
  3. Click Stop receiving electronic bill.
  4. Click Yes, stop my eBill.
How do I remove an eBill from the Bill Pay screen?

To file a Bill Pay ebill please: 

  1. Click File next to the View Bill link of your Payee. 
  2. This will move the eBill into your bill history. A new message Waiting for bill... should appear.
How do I resolve the "Action Required: There is a problem with your electronic bill" message?

To clear the Action Required warning for a payee please:

  • Click Correct the issue now then either
  • Enter the requested eBill information and click Update eBill information.
  • OR
  • Click Cancel eBill enrollment.

How do I set up eBills?

If eBills are available for one of your existing payees, Get eBill will display to the left of the payee name. Click the link, select your billing cycle, and click Get your eBill delivered here. You can also schedule due date reminders and automatic payments here.

If eBills are available for a new payee, a screen displays from which you can set up eBills while you are adding the payee.

How do I view a filed eBill?

To view a filed Bill Pay eBill:

  1. Click View payment history in the My Payments section.
  2. Click My Bills.
  3. You can change the date range, perform a filtered search, or click on any column to sort your eBills.

Or for a specific payee:

  1. Click Options below the payee.
  2. Click Your Bill (eBill).
  3. Click View ebill history.

How long are my eBills available online?

Bill Pay eBills are filed automatically for 24 months once they are paid.

Where can I see the balance due and minimum payment on my eBill?

Click the payment field to activate drop down and view:

  • Mindue (Minimum Due) 
  • Balance
  • Date and amount of last payment sent

Or, click View bill to locate this information in the eBill.

Why can't I see the eBill for my phone?

An FCC regulation requires phone companies to do more to verify authenticity of user[s] before showing phone usage records. 

Because of this, phone company eBills will present a login page to authenticate that it is the customer trying to view his or her bill. ESL is not able to present the bill itself.

Please note, you may login to your phone company's website via the login screen ESL presents to view your bill, which is provided as the bill in the bill center.
 

How can I get a copy of a Bill Pay check?

Images of cleared Bill Pay checks are available online for three months. To view those checks:

  1. Click View Payment History on the right side of the Bill Pay screen.
  2. Select the dates you need from the Change drop down.

For copies of Bill Pay checks cleared more than three months ago:

  1. Mouse over Bill Pay.
  2. Click Request Bill Pay Research.

Who do I contact if I have a problem with ESL Bill Pay?

Please contact an ESL Representative.

How do I view the payment history on a payee?
To view payment history for a Bill Pay payee please:
 
  1. Click View payment history in the My Payments section. 
  2. You can then: 
    • Change the date range. 
    • Perform a filtered search for a specific payee, category, etc. 
    • Click on any column to sort your payments by who it was Paid to, the Amount, etc.
Or for a specific payee please:
  1. Click Options.
  2. Click View History below the payee name.
How far back can I view my payment history?

ESL Bill Pay stores 24 months of payment information.  Details for older payments can  be obtained from your monthly checking account statement or by contacting the payee.

How can I determine if my payments are sent electronically or by check?

  • The icon that appears between the payee information and the payment fields indicates the payment method:
    • FAQs_BillPay_Electronic_Icon.jpg= Payee receives electronic payments.
    • FAQs_BillPay_PaperCheck_Icon.jpg= Payee is paid by paper check.
How do I add a payee to Bill Pay?
To add a new Bill Pay payee please: Type the name of the Payee you would like to add in the Need to pay someone new? field.
Click Add.
Fill out the form with all requested information.
Click Add payee.

How do I add, change, or delete my Bill Pay funding account?

  1. Sign in to online banking.
  2. Mouse over Bill Pay.
  3. Click Change a Bill Pay Funding Account.
  4. Complete and submit the form for each change you wish to make.
How do I change the funding account settings on a scheduled payment?
To change the funding account settings on a scheduled payment in Bill Pay please:
  1. Locate the payment in the Scheduled payments list of the My Payments section. 
  2. Click the corresponding edit icon. 
  3. Update the payment information that you want to change.
  4. Click Save changes
How do I change the funding account settings on an automatic payment?
To change the funding account settings on an automatic payment in Bill Pay please: 
 
  1. Click Options next to the Payee. 
  2. Click on the Automatic payment tab on the left side of the Options window. 
  3. Change the information that you want to update. 
  4. Click Save.
How do I change the nickname for the funding account?

To change the nickname on your funding account for Bill Pay please:

  • Locate the I want to... box under the My Payments section of the main payment page.
  • Click on the Manage funding account(s) link. 
  • Click the Edit link that corresponds to the account you would like to edit. 
  • Change the Account nickname and click Save
How do I delete/hide a payee?

To delete or hide a Bill Pay payee please:

  • Click the payee’s Options link. 
  • Click on the Delete it or Hide it link in the Options window.
How do I edit or delete my Bill Pay email notifications?

eMail notifications regarding Bill Pay transactions are automatically turned on. To make changes to an email notification please: 

  • Locate the I want to... box under the My Payments section of the main payment page. 
  • Click the Edit reminder and alert preferences link. 
  • Click the checkboxes that are associated with the Reminders and Alerts you want to stop receiving. 
  • Click the Save button at the bottom of the page.

How do I place a stop payment on a Bill Pay transaction?

You may place a stop payment on a Bill Pay transaction only if it is sent as a paper check.  To place the stop payment please speak with an ESL Representative. It would be best to contact the payee and notify them that a stop payment has been placed on the check. 

Although ESL does not charge a fee, it is possible that the payee may charge a fee due to the stop payment.

What should I do if a payee did not receive a payment?

  1. Sign in to online banking.
    1. Mouse over Bill Pay.
    2. Click Request Bill Pay Research.
    3. Complete the form and click Submit.
    4. Our Bill Pay provider (FIS) will need to speak with your payee, so please contact the payee to authorize them to speak with FIS about your account.
    5. Once the research is complete, you will be notified via email of the outcome.
  2. You may also contact an ESL Representative for assistance.
Where can I get additional Bill Pay help?

You can find additional Bill Pay information and help in our Online Banking Guide and Bill Pay Demo.

If you need further assistance please contact an ESL Representative.

Why can't I see the full account number for my payees?

Masking account numbers, or other related sensitive customer information, is a fraud prevention best practice.  It also allows ESL to meet certain regulatory requirements in the protection of customer information.

Can I add a memo to my Bill Pay checks?

You may complete the following steps to add a memo to a Bill Pay payment sent by check.  (This option will not appear for payments sent electronically.):

  • When adding your payment information, prior to clicking the Pay button, click the Memo link under the Pay button.
  • Type your Memo and click the Save button.
  • Enter the payment’s Send On date and Amount (if you have not already done so) and click the Pay button.
Can I schedule an automatic payment to occur twice a month?

Yes, when scheduling an automatic Bill Pay payment twice monthly, the first payment will be on the same date each month (e.g. the 6th), the second payment will be 15 days later (21st).

How do I cancel a payment?

To cancel a one-time Bill Pay payment please:

  • Locate the payment in the Scheduled payments list of the My Payments section.  
  • Click the red X next to the payment you wish to cancel. 
  • Click the Yes, Cancel Payment button.
How do I cancel an automatic payment?

To cancel an automatic Bill Pay payment please:

  • Click the payee's Options link.
  • Click on the Automatic payment tab on the left side of the Options window. 
  • Click the Turn off link in the upper right corner.
  • Click the Yes button to confirm your cancelation request when you are prompted.
How do I edit an automatic payment?

ESL Bill Pay allows you to edit either a single automatic payment or the automatic payment rule.  To do so please:

  • Locate the payment in the My Payments section.
  • Click the payee's Pencil icon. 
  • Click either the Edit only this payment or the Edit payment rule button.
  • Change the information that you want to update. 
  • Click the Save changes or the Update button.
How do I schedule a payment?

To schedule a Bill Pay payment please:

  • Type in a Send on date or click on the Calendar icon to select a date using our calendar widget.
  • Type in the Amount of the payment.
  • Add a memo (if desired) by clicking on the Memo link. 
    • The Memo link will only be available if the payment is sent by check.
  • Click the Pay button.
How do I schedule an automatic Bill Pay payment?

To schedule an automatic Bill Pay payment please:

  • Click the payee’s Options link. 
  • Click on the Automatic payment tab on the left side of the Options window. 
  • Fill out the requested information. 
  • Click the Save button.

The next scheduled payment will be listed under Scheduled Payments​ in the My Payments section.  Additionally automatic payments are indicated with a loop icon and the number of days until the next payment displayed to the left of the payee in the My Bills & People I Pay section.

I issued a Bill Pay check, but it was returned to me.  How can I get the money back in my account?

If you received a Bill Pay check that was issued from your own account please contact an ESL Representative.

What happens if a Bill Pay transaction doesn't clear my account?

Payments are sent to the payee before funds are withdrawn from your account.  If the payment is returned for any reason, the Bill Pay service will be blocked.  If the payment was returned because the account did not have sufficient funds Bill Pay will most likely resubmit the payment. The debit attempt cannot be stopped.

While the block is in place any Bill Pay payments scheduled to occur during the blocked period are canceled.

Once the Bill Pay payment successfully clears the checking account, the block will be lifted within three business days. A request to remove the block sooner can be processed by contacting an ESL Representative

Once the block is removed; any automatic and one-time payments scheduled to be sent during the blocked period would need to be rescheduled.

When will a Bill Pay transaction clear my account?

When you schedule a Bill Pay payment, ESL Bill Pay sends the funds to the payee on your behalf. ESL Bill Pay will debit your account 1-2 business days after the payment has been sent. 

A minimum of three business days is required for electronic payments to reach the payee; five business days are required for check payments.  Once the payment is received by the payee, it is up to the payee to credit the designated account.

What is Online Bill Payment?

The Online Bill Payment Service enables you to set up recurring payments, make one time payments, and track your payments to individual merchants directly through Online Banking without ever writing a check.

How are my payments sent?

Your payment is sent based on the payee.  There are two types of payees:

  • Electronic payees are sent via ACH payment. Electronic payments may take up to 3 business days to reach their destination. The Bill Pay service determines which payees can receive electronic payments.
  • Check payees (those that were added to the system manually) will actually be issued a paper check by the Bill Pay system and sent the check in the mail. You are asked to allow 5 business days for a check to reach its destination.

You will know which type of payment your payee will receive by scheduling a payment and viewing the calendar. Electronic if there are 3 days between the "send on" and "delivered by" dates and Check if there are 5 days between the "send on" and "delivered by" dates.

What type of accounts can I pay bills from?

Bill payments must be made from an ESL Checking account.

Where can I learn about eBills?

You can find a lot of helpful information in our Online Banking Guide and Bill Pay Demo.