Welcome to the WESLA Frequently Asked Questions Page for Bill Payer.
If your question is not answered on this page check out our Contact Us Page for all of our contact information. You can also find our hours of operation at the top of any page on this site.
Bill Payer FAQ's
Q: Which of my WESLA accounts may be used for Bill Payment?
A: You will need to have an WESLA share draft Checking Account to participate in Bill Payment.
Q: What is the cost for using Bill Payment?
A: There is a monthly charge of $4.95, after introductory period. This includes unlimited check issuance.
Q: Is there a limit on the number of payments I can make before a “per item charge” is assessed?
A: Make as many payments as you would like. There are no “per item charges” after a set number of payments.
Q: Whom can I pay?
A: WESLA’s Bill Payment service is “pay anyone”. You can set up a payment to a company or an individual. There are no preset lists.
Q: Can I set this service up myself or does the WESLA have to enroll me?
A: Unlike Home Banking, which is self-enrolling, you will have to contact WESLA to apply for Bill Payment or
click here to apply by mail. Once the enrollment process is complete you will be mailed a “Login” and “Password”.
Q: How secure are my online payments and information?
A: Your account information is extremely secure. The credit union uses a dedicated line and secure server with multiple firewalls. When you log into Home Banking and Bill Payment you are not on the Internet, but on an offsite, secured server. As long as you protect your password, the ability for anyone to access your information is virtually impossible.
Q: How far into the future can I set a payment due date?
A: Payments can range from three (3) to six (6) business days, dependant if the payment will be electronic or check, from the date you input a payment, out to two (2) years in the future.
Q: Can I set up reoccurring payments?
A: Yes. Payments can be set up for weekly, bi-weekly, semi-monthly, monthly, semi-annually, and yearly. You can also set the time period these payments should continue. Example: If you wanted to make a credit card payment, each month, for a period of a year.
Q: Will money be deducted from my account when I set the payment up?
A: No. If the payment is going to be sent electronically the funds will be withdrawn from your account three (3) business days prior to the payment due date. If a check is going to be issued, the check will process six (6) business days prior to the due date. This ensures that the payment will arrive on time and allows for weekends and federal holidays. The funds will not be withdrawn from your account until the payee deposits the check and it is presented to WESLA for payment. This is exactly what occurs when you write a check and mail it for payment.
Q: What date should I use when scheduling a payment?
A: It is extremely important that you set the payment up according to the due date shown on your billing notice. If you include grace days your payment may arrive late and incur finance charges or late fees.
Q: Can I stop payment on an item once it has been processed?
A: If a check was issued and it has not been presented for payment, and WESLA has enough time to act on the stop payment order, then a stop payment may be placed.
If the payment is electronic and the funds settlement process has already begun, then a stop payment cannot be placed. Electronic payments begin processing three (3) business days prior to the due date you schedule. To recover funds you will have to contact the payee directly.
Q: What happens if I have insufficient funds to cover the payment?
A: Bill Payer operates just like a check. The item will be presented twice, if the item is rejected for insufficient funds then a $27.00 fee will be asset to your account, If you are a member of the Protect-A-Check or Overdraft Privilege program, the payment will be processed up to the amount available according to the type of Protect-A-Check and/or Overdraft Privilege program you are enrolled in.
Q: How can I ensure that a payment is honored if I do not have enough funds in my account to cover the check or electronic debit?
A: To avoid a payment being dishonored, we recommend that you establish an “Overdraft Protection and Overdraft Privilege” with WESLA. You may do this by completing a ODP request form and designating the account to cover any “non-sufficient” checks or electronic debits that are transacted against your share draft checking account.
Q: If I forget my password what do I do?
A: You may call our Call Center at 318-687-8700 during business hours or
click here and fill out the enrollment form. You will be able to log in with this new information by no later than the next business day.
You will be required to change your new Password once you log into Home Banking again. Please remember that your password will be case sensitive.
You will not need another Password for you Bill Payment usage. The Bill Payment Password is linked to your Home Banking profile and will not change until you request it to be turned off.
Q: Are there regularly scheduled system times when the Bill Payment service will not be available?
A: Yes. The scheduled down times are Monday thur Friday, 7:00 pm to 7:30 pm, and the last business day of the month from 7:00 pm to 10:30 pm Central Standard Time. This is the time we make changes and upgrades to our database.
Q: If I have a problem and send a message using the Contact Us tab on our Website, when can I expect an answer?
A: You will be contacted by WESLA no later than the next business day. If we cannot fix your problem immediately, we will keep you updated until the problem is resolved.