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Bill Pay - Frequently Asked Questions

Bill Pay FAQ

Q. What is Bill Pay?

A. Bill Pay allows PLCU members to pay most bills online, either on a recurring basis or when requested by the member.

Q. What accounts can be used to pay bills through Bill Pay?

A. You must have a checking account to be eligible for Bill Pay. Bills cannot be paid from a savings account or line of credit.

Q. I'm getting an "SSO Error" after I signed up for Bill Pay.

A. If you get this message when you click the Bill Pay link:


Contact the Call Center for resolution.

Q. How can I get support on the Bill Pay system?

A. The system offers online help on each screen. Just click on the Help button in the upper right-hand corner and the system will respond with screen-specific help.

Q. How many days will it take for my bill payment to reach the payee?

A. The first time a bill is loaded, it may take five to ten business days, depending on the payee. Thereafter, the bill will be debited either two days (if payee is certified as electronic settlement) or five days (if payee is certified as paper settlement) prior to the due date. Each payee will be identified as two or five days on the payee information screen. We suggest members verify payment of all first-time Bill Pay payments.

Q. Why does a bill take seven days to pay over the weekend?

A. All federal holidays and weekends must be considered when loading due dates for bill payments. If a five-day merchant bill was loaded for payment on the Thursday before President's Day, it will be debited on Friday and may not reach the merchant until Thursday of the following week.

Q. Is it possible to cancel or stop a payment?

A. Yes, you can stop a payment up until the funds have left your account. After the funds have been removed, the bill is paid.

Q. Why didn't I get my tags for my registration renewal?

A. The Department of Motor Vehicles requires that you send proof of insurance with your remittance and suggests you make your payment via paper only.

Q. What if there is no money in my account the day a bill payment is due for withdrawal?

A. If there are non-sufficient funds for the payment, the system will reject the payment. There will not be an NSF fee; however, the system will not attempt to pay that bill until the next due date.

Q. Does my overdraft protection work with Bill Pay?

A. Yes. It works as it would for a paper draft debiting your account.

Q. If I overdraft on a bill payment, is there a fee?

A. No. There are no overdraft fees with Bill Pay, regardless of whether it overdrafts from your overdraft protection or from your savings account. Remember, however, that if your checking account is set up to overdraft from your savings account, you will be limited to six automatic transfers in any month, according to Federal Regulation D.

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Disclaimer: Point Loma Credit Union is not responsible for the privacy practices or the content of websites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the Point Loma Credit Union website, we cannot guarantee that all information is current. Please contact the credit union Call Center directly for the most current information at 858-495-3400.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 858-495-3400 or 888-495-3400 for assistance. Also, products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further.

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