Free Online Bill Pay is now availble through Internet Banking at mbfinancial.com! 

If you're interested in signing up for Bill Pay, or if you've got a question about your existing Bill Pay service at mbfinancial.com, take a look at these Frequently Asked Questions.

General Questions | Payment Questions | Payee Questions

General Questions

1. Will Bill Pay cost me anything?
No, it is a free service offered to you by MB Financial Bank.

2. How do I get set-up for Bill Pay?
If you wish to use the Bill Pay service, you will need to read and sign our Bill Pay Agreement and Electronic Funds Transfer Disclosure, then sign and submit it to a personal banker or mail or fax to: Internet Banking/Bill Pay Enrollment, MB Financial Bank, 6111 North River Road, Rosemont, IL 60018, fax 847.653.2293. Upon approval, the specified account will be granted access within five business days.

3. What are the requirements for Bill Pay?
You must have a personal checking account and the account must not require multiple signatures. Money Market and Savings accounts are not eligible for Bill Pay. Businesses that have a Free Small Business Checking account are also eligible.

4. Can I use Online Bill Pay to make payments to my MB Financial Bank loans?
You should not use Online Bill Pay to move money to any other MB account. Please use the “transfer” function to move money within the bank (i.e. to make a loan payment.)

5. Will my money be safe?
All your Bill Pay transactions are safeguarded within the MB Financial Bank system.

6. What if I want to discontinue my Bill Pay service?
If you wish to discontinue your Bill Pay service at any time, you will need to contact a personal banker at any MB location, or the Telephone Banking Center. Because cancellation of Bill Pay does not automatically cancel any payments already scheduled by you, you are responsible for deleting all payments prior to canceling Bill Pay.

7. When is Bill Pay available?
The Bill Pay system is available 24 hours a day, 7 days a week. However, the cut-off time for each business day is 9 p.m. CST. After this time, each request will be processed the following business day. Bill Pay, along with Internet Banking, may be unavailable at certain times for brief periods due to system maintenance.

8. Will Bill Payment work with my Check Protect?
No. The Bill Pay system relies on your account's Available Balance and does not use Check Protect funds.

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Payment Questions

1. How do I set up my payments for Online Bill Payment?
To set up a payment simply click on your checking account, the 'Payments' button, and the 'Set-Up New Payment' button, then add the necessary payment information.

2. Are there any restrictions on who I can pay using Bill Pay?
The only bills you can't pay online are international payments, government tax payments, court directed payments (such as alimony and child support), and any payment $10,000 or greater.

3. How do I edit payment/payee information?
From the payee list simply click on the name of the payee you wish to change. The next screen will allow you to change any payment details.

4. Why hasn't the bill payment that's scheduled for today been processed?
We verify all scheduled transactions for available funds at 3 p.m. daily. If the funds are available at that time your bill payment will proceed.

5. An error occurred during my bill payment. How can I tell if it was processed?
Under most circumstances the transaction will appear in your 'Current Business Day' transactions. However, the most effective way to tell if the payment has been made is to check the details of that payment in the payment list. If the payment has been sent it will reflect that in the date.

6. What happens if I make a duplicate payment?
Our system only allows one payment per payee per day. If you accidentally make multiple payments, or if you re-submit a payment with a different amount, only the LAST payment made will be sent. Previous payments to that payee will be deposited back into your account. [On your statement this transaction will show the following description: BIL TO DDA FR OTH 206095300001 (payee name)] If you are unsure that a payment was initiated please check the payment details.

7. What happens if I do not have enough money in my account to cover a scheduled bill payment?
The system will automatically check 3 business days for the available funds. After three unsuccessful attempts the payment will be canceled by the system. A recurring scheduled payment that has been canceled due to lack of funds will not automatically advance to the next month’s date.

8. Can I stop a payment once the funds have left my account?
No. At this time there is no stop payment function for MB's Bill Pay service.

9. How will my payments be sent?
Payments will be sent to your Payee in one of two ways. Once the first payment has been sent for a payee you can check the payment method by viewing the details on the payment list screen.

1. By Electronic Funds Transfer (ACH)
2. By Check (If Payee does not accept electronic payments)

10. How long does it take for a payment to reach the payee (i.e. vendor)?
To provide sufficient time for payments to be received by your payee, the Schedule Date should be a date at least seven business days before the bill's actual due date. We will not be responsible for any loss you may incur as a consequence of a late payment if your Schedule Date was not at least seven (7) business days prior to the bill's actual due date.

11. Why does it take up to seven business days for payments to reach the Payee?
Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three business days for your account to be updated. By allowing seven business days for processing and delivery, we can better assure your bills are paid on time.

12. What happens if my payment is late, or never arrives?
If a payment is not made on time due to an error on our part, you will be reimbursed up to $50 for late fees charged to your account. If a payee never receives a specified payment, please contact the Telephone Banking Center.

13. Is there a limit to the number of payments I can make in a month?
There is no limit to the number of payments you can make per month.

14. After I make a payment, when will the funds be debited from my account?
The amount of the payment will be debited from your account on the day you specify the payment to be made. In most cases on-demand payments initiated for the current business day will be debited from your account immediately after you submit the payment. You can check on the transaction by viewing the payment details on the payment list.

15. What is an on-demand payment vs. a recurring payment?
An on-demand payment is a one-time payment. These include payments in which the amount fluctuates each time such as your phone bill, or any payment you do not want to make regularly – such as a florist you use now and then.

A recurring payment is one you make regularly for the same dollar amount each time, such as the monthly payment on your auto loan. You only need to set up a recurring payment once. From then on, we will make the payments for you automatically.

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Payee Questions

1. How do I add a new payee?
To add a new payee, simply click on the 'Setup New Payment' button and enter in the correct payee information. If you wish to set up a payee without setting up a payment please leave the date and amount blank.

2. What if I do not have an account number for one of my payees?
The 'Account Number' field is not a required field to be completed. We ask that if there is an account number available to please provide us this information.

3. How do I delete payees?
In order to delete a payee simply hit the 'Delete' button next to the correct payee on your list. Please note that payees should not be deleted for at least one business day after the most recent payment. If you delete a payee within one business day of submitting a payment to them your payment may be returned to you.

4. Do I have to re-enter payee information each month?
No, Online Bill Pay is designed to end the repetitiveness of paying bills each month. You set up your list of payees just once, and then use that list month after month. The only items you need to change are the amount and the scheduled date you wish the money to be sent out. You can also add new payees at any time.

5. A payee has disappeared from my list. Why?
If a payee that you have not deleted no longer appears on your list it usually means the payee has “expired.” A payee expires because the number of remaining payments has reached zero. The 'Number of Remaining Payments' field is set up at the time the payee is created, and it can be edited at any time by clicking on the payee’s name in the list. This field is required for recurring payments, but it is not required or recommended for use with on-demand payments.

6. A credit appeared on my account for a returned payment. Why wasn’t this payment made?
A payment can be rejected for several reasons, including an incomplete address or missing account number. We try to include the reason in the description of the credit.

7. Can I use bill pay to send a check to an individual or must the payee be a corporation?
Payees can be individuals as long as they have an address within the United States.

8. Will I continue to receive a paper bill in the mail from my payees?
Yes, unless otherwise specified, you will continue to receive the paper bills in the mail.

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