• FAQs

    Select a topic below to view frequently asked questions.
  • Online Bill Pay

    Who can I pay with Online Bill Pay?

    With Bill Pay you can pay any person or company in the United States that you might normally pay by check or automatic debit.

    What is the earliest date I can make a payment?

    When you are paying a payee that accepts electronic payments, it typically takes one to two days for the biller to receive your payment from First Niagara. However, for a fee (refer to the Schedule of Personal Account Fees and Transaction Limitations) First Niagara can deliver your payment electronically on the same day that you initiate the payment.

    Billers that are not set up to accept electronic payments from First Niagara, receive a paper check in the mail from First Niagara when you initiate a payment through Online Bill Pay. It typically takes about three business days for these billers to receive payment from First Niagara. For a fee (refer to the Schedule of Personal Account Fees and Transaction Limitations) you can opt to have First Niagara send a check through an overnight delivery service if you initiate the payment before 4 p.m. ET.

    Please note: Checks can only be delivered overnight to a street address in the continental U.S. The address cannot be a PO box, military address (APO or FPO), or address in Alaska, Hawaii, or Puerto Rico.

    How far in advance can I schedule my payments?

    You can schedule a payment up to a year (365 days) from today's date.

    When is the money for the payment withdrawn from my payment account?

    If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, First Niagara Bill Pay prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits (or cashes) the check.

    To help you avoid overdraft or return item fees, we recommend you make sure the funds to cover your payment are available in your account on the day you set up your payment (for near-term, one-time payments) or five business days before the pay date (for future date or recurring payments) and remain in the account until the payment is deducted.

    If we fail to execute your payment as scheduled from a properly funded account, we will reimburse any late payment fees. To report a problem, please call 1-800-421-0004.

    When does a biller receive my payment?

    For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take four or fewer days for your biller to receive it.

    If you schedule a payment for overnight delivery before 2 p.m. ET, your biller can receive it the next day. If you schedule a payment after 2 p.m., the biller can receive it in two days. When you schedule an Overnight Check payment, we send you an email message with the tracking number from the overnight delivery service. You can also find the tracking number in the Bill Detail. Use the tracking number to determine when the check is delivered to the biller.

    Which payments are sent electronically and which are sent as paper checks?

    Billers that are not set up to accept electronic payments from First Niagara receive a paper check in the mail from First Niagara when you initiate a payment through Online Bill Pay.

    When a payment is sent electronically versus mailed as a paper check, does that change the delivery time and when funds are deducted from my account?

    Electronic payments are deducted from your account on the due date you selected for the payment. Payments sent to your payee in the form of a paper check will be mailed to your payee a few days prior to the scheduled due date to ensure your payment arrives in time. The exact delivery speed of the paper check payment is determined by the transit time of your check as well as when your payee deposits the payment. As a result, if your payee receives the check prior to the scheduled due date and deposits it immediately, your payment may be deducted from your account prior to your scheduled due date.

    My payment was not processed on the pay date. Who should I call?

    If we fail to execute your payment as scheduled from a properly funded account, we will reimburse any late payment fees. To report a problem, please call 1-800-421-0004.

    What is Popmoney?

    Popmoney® is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current bank/financial institution account.

    How does Popmoney work?

    Sending Money

    To send money, log in to your online banking account and look for Popmoney.

    Send money to anyone using their email address or account information.

    You will be notified when the transaction is completed.

    Receiving Money

    When someone sends money to you, you will receive an email or text message.

    If your financial institution offers Popmoney, you can log in to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at Popmoney.com, and your money will be sent to that account.

    If you do not provide your account information, the payment will be automatically returned to the sender's account.

    Money sent directly to an account will be automatically deposited. No action is required by the recipient.

    What can I use Popmoney for?

    Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online.

    The following are just a few of the convenient ways that you can use Popmoney:

    • Send money to your child at college
    • Send a gift to family and friends
    • Reimburse friends for that fun outing
    • Pay your babysitter or your lawn care service
    • Pay rent to your landlord or roommates

    Will my account information be shared with the recipient?

    No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

    What are the different ways I can send money to someone?

    You can send money to someone using their email address, mobile number or account information:

    Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.

    Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account. You may want to tell your contact that standard message and data rates may apply.

    Account information (routing and account number): the money will be deposited directly into your contact's account. You will also have the option to send an email to your contact.

    What are the fees associated with the service?

    A fee may be charged for each Popmoney transaction. Fees for the transaction are displayed below the amount field.

    What are the different ways I can request money from someone?

    You can request money to someone using his/her:

    Email address: your contact will receive an email with instructions on how to pay the request.

    Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.

    Popmoney is a registered trademark of Fiserv, Inc.

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