The Bancorp Bank, N.A.

Call Technical Support at 800.545.0289.

Bill presentment is the electronic delivery of a bill from a biller to a customer. It allows you to view and pay your bills online.

E-bills are any bill that you receive in your Bill Inbox, and they basically fall into three types:

• The first type is an electronic bill that we receive from one of your billers and which we redirect to you.

• The second type is a bill that we receive in paper form and which we scan and present to you electronically. Before you can receive this type of bill, you need to change your address and have the bill redirected to our processing center.

• The third type is a bill we retrieve from your biller's website and present to you electronically.

The bottom line is from your point of view, all types are e-bills because they are always presented to you in an electronic format.

If you have already set up the payee, to begin online delivery of a bill from your navigation links click Payee List. From your list of payees, within the E-Bill Status column, click the "Set up e-bill" link. You should begin receiving your bill online within 1-2 billing cycles.

If you have not yet set up this payee, from your navigation links click Add Payee. During the setup process, you will be asked if you want to receive the bill online.

Only you can authorize payments. You tell us who, when, and how much to pay. Payments are issued electronically or via paper checks, depending on the payee's capabilities. To have a bill sent out on the same day that you authorize a payment, you must authorize the transaction by 3 pm CT, Monday through Friday. We automatically determine if your payee will accept your payment electronically or if a check needs to be sent. Once this is determined, your payment is sent and the funds are deducted from your account.

Make Payment simplifies your life and takes the hassle out of paying your bills. Most people spend the equivalent of three days a year paying bills. Make Payment saves you that time. According to NACHA: The Electronics Payments Association, Make Payment saves consumers an average of $85 a year in postage and up to $30 a year in check costs

Some people may refer to Make Payment as Bill Payment, automatic bill payment, automatic debit, electronic bill payment, E-Bill Payment or direct debit.

When a payment is made using MakePayment, the payment amount is deducted from your account on the scheduled payment date that you have authorized. You will see the deduction in your account history. The payment will be noted as a preauthorized withdrawal along with the name of the Payee and the payment amount.

If you have an issue with a specific charge on a bill, you will need to contact your payee directly. You can pay whatever amount you like while you are disputing a specific item or you can simply file the bill and pay nothing. If the matter is not handled to your satisfaction right away, contact the bank and stop payment on the Make Payment until the problem can be corrected. Be sure to tell your payee that you stopped payment and why.

Federal Regulation E prevents unauthorized debits from your account. It also prohibits a biller or payee from taking money from your checking or savings account before the specified date. In addition, the bank protects your personal account information.

For most monthly bills, the answer is yes. Ask your biller this question to be sure. With Bill Presentment you can subscribe to receive your bill online instead of through the mail. If you are having a payment automatically deducted from your account, such as an insurance or mortgage payment, the company is not required to send a statement to you in advance of the transaction.

In most cases, yes. You decide the amount you want to pay towards each bill -- you are not obligated to pay the total amount due. As an added feature, you can use the Personal Notes tool to attach reminders to your bill indicating the reason the entire amount was not paid. For instance, you could specify a certain amount be sent to your credit card company each month.

You are obligated to have the money in your account for your Make Payments in the same way that you must have funds in your account if you write a check. If you do not have enough money in your account, the bank and biller/payee may charge you returned item fees.

Access your account and click the Make Payment tab. From your navigation links, click Payee list. Locate the Payee for which you want to cancel a recurring payment, and click the Payee Details link. Within the Payment options section, click the Change options link. Change the value in the Payment option field to "Manual" and click Save payment options. A confirmation page will appear summarizing this change.

Contact Customer Service at 800.545.0289 to assist you with removing this service. When you deactivate Make Payment you will not be able to schedule any payments past your deactivation date. Please be sure to check your account to ensure all of your bills are paid prior to deactivating this service.

You can easily add Make Payment to your account by logging in to your account, clicking on the Make Payment tab, and submitting the request form. Please be sure that your email address is correct as we will send you an email notification when this service has been added to your account.

With Make Payment, you are able to pay anyone you normally would pay with a personal check*. Adding a payee is as easy as following the steps below:

After logging in to your account,

* Court-ordered alimony, child support, tax payments, or any other government related payments cannot be made through the Make Payment and Bill Presentment service.

Once you have added an individual or company to your Payee List, you can begin making payments*. Making payments is as easy as following these few steps:

The money will be withdrawn from your account and the bill paid on the specified date. For check payments please allow at least 5 business days for your payment to be recieved by the payee.

* Court-ordered alimony, child support, tax payments, or any other government related payments cannot be made through the Make Payment and Bill Presentment service.

A recurring payment is one made to a payee in the same amount at regular intervals. The money for the payment is automatically withdrawn from your account on the date you specify when you set up the payee. For example, you can easily pre-set your mortgage payment of $1,000 to be paid on the 15th of each month. You can schedule another recurring daycare payment of $250 to be paid on Friday of each week.

Recurring payments can be set up for any payee you have in your payee list by clicking on the "Payment Option" link.

Anyone in the fifty United States and territories who can accept a check, with the exception of tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.