A: AHCU Bill*PAY provides two services in one. The bill payment service lets you receive and pay bills online. With E-mail payments you can electronically send money to and receive money from other members of Valid^SM. The only payments you cannot make through your bill payment service are court-ordered payments, state and federal tax payments, and international payments. You use payment accounts that you specify—accounts you already have with the financial institutions you trust.

The bill payment features let you:

• Pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
• Set up repeating payments, such as a car payment or rent.
• Schedule single payments up to one year in advance.

The E-mail payment features let you:

• Send money to anyone with an E-mail address—gifts, payments, auction purchases, almost anything!
• Track payments online. No more "check is in the mail" worries.
• Transfer money electronically between your checking accounts—even those at different financial institutions.

Note: Each person who uses E-mail payments must be a member of Valid. After you enroll in AHCU Bill*PAY, you can confirm your membership in Valid. You can easily invite others to join.

A: AHCU Bill*PAY consists of a bill payment service and an E-mail payments service. There are two basic steps involved in using the bill payments service:

1. Set up your payees.
2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. All of your payees are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.

When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. AHCU Bill*PAY determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.

After a payment is scheduled, it appears as Scheduled on the Payment Activity - Bill Payments page. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account. Sometimes, however, the payee may take a few days to apply the payment to your account.

Use the E-mail payment service to make payments to or receive payments from anyone with an E-mail address. To make a payment, you just need to know the E-mail address and last name of the person you want to pay and the amount you want to send. If the person is already a member of Valid, then that's all there is to it. If the person is not a member, you can invite him or her to become a member.

After you are a member of Valid, you can receive payments from other members. The payments are electronically deposited into the payment account of your choice.

Note: To make sending E-mail payments even easier, you can set up nicknames for people you send payments to. Then all you have to do is select the nickname when you want to make a payment. To set up nicknames, go to the Payee Setup - E-mail Payments Nickname List page.

A: We automatically withdraw any applicable service fees from the payment account you specify as your service fee account. The AHCU Bill*PAY monthly fee, if any, and any additional payment fees will appear on your monthly statement as a bill payment fee. Please contact your financial institution for more information on service fees.

A: Go to the My Profile page and click Service Setup at the top of the page. On the My Profile - Service Setup page, click Cancel Your Service at the bottom of the page. Before you cancel your service, keep in mind the following:

• Scheduled payments, including repeating payments, are not paid.
• Processing payments are paid.
• You no longer have access to your payment activity record. You can no longer send payment inquiries. You should wait until all of your scheduled payments and unclaimed E-mail payment invitations with money are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.
• Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using AHCU Bill*PAY after you cancel your service, you should make your payment to the payee by some other means, such as a check.
• You will no longer receive E-mail payments. Any E-mail payment that another person sends to you will not be deposited into your payment account and will instead be returned to the person sending the payment.
• For any E-mail payment invitations with money that currently have a status of Unclaimed, the recipient will not be able to receive the money you sent with the invitation.
• You should print a copy of the Payment Activity - Bill Payments page and the Payment Activity - E-mail Payments page to keep for your records before you cancel your service.
• If you decide to use AHCU Bill*PAY again, you will have to re-enroll and set up your payee list and nickname list again.

A: It's important to keep your personal information up to date so that we can contact you if necessary. You can review and make changes to your personal information on the My Profile page.

 

A: AHCU Bill*PAY can assist you in using its features as follows:

• This product contains help that is available on each page. Click the Help me with this page... link to open help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
• If you have general questions, read through the list of frequently asked questions (FAQs).

A: To sign up for AHCU Bill*PAY, simply click here, then click on the 'Enroll Me' button on the following page, and then enter in the requested information.

A: You must have a confirmed E-mail address to receive payments from other members of Valid. When you first provide an E-mail address it is un-confirmed. We must confirm the E-mail address for security purposes. After you enroll in E-mail Payments and whenever you add a new E-mail payments E-mail address, we send you an E-mail with a confirmation number. You enter the confirmation number as instructed to verify the E-mail address. The confirmed E-mail address can then be used to receive E-mail payments.

A: The correspondence E-mail address is the E-mail address you provide when you enroll in E-mail Payments. We use this address to send you E-mails related to your E-mail Payments service. E-mail Payments addresses are confirmed E-mail addresses that are used for receiving E-mail payments from Valid members. If you confirm your correspondence E-mail address after enrollment, it will also be used as a E-mail Payments E-mail address. You can change your correspondence E-mail address or add additional E-mail Payments addresses on the My Profile - Personal Information page.

A: Go to the My Profile - Personal Information page. Click Confirm next to the E-mail address that you want to confirm. Then click the link at the bottom of the page to request a new confirmation number.