man paying bill on mobile

Bill Pay

Bill Pay is a service that speeds up the monthly check-writing chore. Instead of writing and mailing checks one-by-one, bill-pay users click boxes and type amounts. SBSU and CheckFree do the rest. The system requires initial setup. After that, paying a bill is as easy as logging into our web site from anywhere in the world.

Easiest Way to Get Free Bill Pay

Sign up for E-statements with any business or personal checking account**.

**Money Market accounts are excluded from the free bill pay offer because of the Federally regulated transaction restrictions, which limits withdrawals to no more than 6 by check per month.

Why State Bank and Bill Pay

CheckFree employs the risk model for paying bills. This means that funds are debited from the user's account at about the same time the bill is paid. The user keeps the float! With other bill-pay systems the money is taken before being sent to the payee. About 70% of transactions are handled by electronic methods. The remaining 30% is divided between laser drafts (a check that posts to the user's account) and corporate checks (a check from CheckFree's account). SBSU cannot control the payment method chosen by CheckFree.

The user picks which vendors to pay and the amount. The system automatically defaults to the earliest payment date, which the user may accept or adjust to a later date.

Bill-Pay NSF Caution: Two NSF/OD fees may apply - one from SBSU and one from CheckFree. SBSU may return CheckFree's collection attempt because of insufficient funds (NSF) in your account, in which case you will receive two NSF fees, one immediately from SBSU and another from CheckFree at month end. Click here to review potential fees.

Money Market Caution: Federal regulations restrict money market withdrawals to no more than six (6) per month. A $10 fee is charged for each excess withdrawal. These limits make money market accounts poor candidates to associate with bill pay.

Stop Payments: SBSU or CheckFree stop payment fees may apply depending upon the payment type. CheckFree charges $25 per stop. See our fee schedule for SBSU stop payment fees.

Enrolling in Bill Pay

Using the New Bill Pay Interface

Working with Repeating Payments - Caution

Bank to Bank Transfers - A Better Way

Don't use the bill pay system for bank to bank transfers or for paying State Bank loans. There's a better way, as follows: