Bill Pay
How do I access Bill Pay?
Bill pay is a feature in digital banking. When you log in, you'll notice a Payments tab on the bottom menu of your mobile device, or a Payments button on the left-hand menu of your PC. You can access bill pay, P2P (person-to-person) payments, and A2A (account-to-account) external transfers in the Payments section.
How do I add an external bank account for A2A transfers?
You can set up account-to-account (A2A) transfers in digital banking. All you need is a checking account with us, and your digital banking login information for the other financial institution.
After you connect the account, it'll be saved for quick transfers next time.
*There are over 1,000 financial institutions you can connect for instant transfers. If your financial institution isn't available, you can add it manually. This process involves two small deposits being sent from us to your external bank account that may take 1-2 business days to appear. After you confirm the deposits, you'll be able to interact with the account and transactions typically take up to 2 business days.
Where to add an external account online
- Log in
- Open the Payments tab
- Click the Bill Pay & External Transfers button
- Select the Member Number* you would like to transact with and click Proceed
- Open the Transfer Money tab
- Click the ADD EXTERNAL ACCOUNT button
- Complete the One-Time-Passcode (OTP) verification
- Select the financial institution* you'd like to connect and follow the prompts
Where to add an external account in the app
- Log in
- Open the Payments tab
- Click the Bill Pay, P2P & A2A button
- Select the Member Number* you would like to transact with and click Proceed
- Open the Transfers tab
- Click the ADD EXTERNAL ACCOUNT button
- Complete the One-Time-Passcode (OTP) verification
- Select the financial institution* you'd like to connect and follow the prompts
*You must have a checking account on your membership in order to use bill pay, P2P and A2A services.
How do I make a bill payments?
You must have a checking account on your membership in order to use bill pay P2P and A2A services.
How to schedule a bill payment
- Log in and click the Payments tab
- Click the Bill Pay button
- Accept the terms if you're using bill pay for the first time
- Select the Member Number you'd like to transact with
- To schedule a payment to a new biller, click ADD BILLER
- For large, national or multi-national corporations
- Some corporations are registered for instant payments in our network.
- For common billers and companies:
- Select the company from the drop-down list. Please note, if you're searching for a common biller that's not showing up, try typing the full name of the biller instead of their abbreviated name (i.e. Portland General Electric instead of PGE).
- Provide your account number with the biller. This number is provided on your bill or online account with the biller.
- Provide the remit address that appears on your bill. You may receive an error or a notice that your payment must be manually verified if you provide any other address that isn't the biller's remit address.
- Click Add
- When you submit a payment, it will be processed electronically
- For uncommon billers, or people you'd like to pay for business services:
- Click ADD MANUALLY
- Select Pay a business**
- Check the box I don't have an accoutn number
- Enter the biller info.
- Click ADD
- For large, national or multi-national corporations
- To schedule a payment to an existing biller:
- Select the saved biller
- Enter the Amount
- Click PAY
**Please note, if you would like to pay a person via check (i.e. your gardener, housekeeper, babysitter, etc.), select Pay a business (not Pay a person) and check the box I don't have an account number on the bill payment information page. If you select Pay a person, the payment will process like a Person-to-Person P2P payment. The individual will receive a text or email and they'll have to provide their account information to receive the payment electronically.
Are there limits on bill pay, A2A and P2P transactions?
Although these limits are subject to change, here are the transfer limits as of July 2023:
| Payment Type | Single Transaction Maximum Amount | Daily Limit | Monthly Limit |
| Bill Payment | $3,500 | $3,500 | $25,000 |
| P2P | $150 | $150 | $1,000 |
| A2A Outbound | $500 | $500 | $10,000 |
| A2A Inbound | $500 | $500 | $10,000 |
How do I transfer money to or from another bank account (A2A transfers)?
We offer a free service in digital banking that allows you to transfer money to or from your other bank accounts. These transfers are known as external account transfers or account-to-account (A2A) transfers.
About A2A transfers
- All bill pay services, including A2A transfers, can only be made using your Oregonians checking account.
- You must establish a connection with your other bank account before you can make an A2A transfer.
- Thousands of financial institutions are available for connection.
- If you can connect with your financial institution, A2A transfers take place in under 20 minutes.
- If you can't connect with your financial institution, you can make a manual connection with the traditional process that involves confirming two separate small deposit amounts. Traditional connection transfers take 1 to 2 business days.
- Once your other bank account is connected, it will be in the list of available accounts you can make transfers to and from (step #6 below).
How to make A2A transfers
- Log in
- Open the Payments tab
- Click the Bill Pay & External Transfers (app) or Bill Pay, P2P & A2A (online)
- Select the Member Number* you would like to transact with and click Proceed
- Open the Transfers (app) or Transfer Money (online) tab
- Select your To and From accounts
- Select Send and Deliver dates
- Click the TRANSFER button
*You must have a checking account on this membership in order to use bill pay, P2P and A2A services; and all transactions will be conducted using your Oregonians checking account.
How to setup recurring A2A transfers
While you're on the transfer transaction ("Transfer Money") screen, there's a Repeat option. You can use this to setup a recurring transfer to or from your other bank account.
How do I make Person-to-Person P2P instant payments?
You can use digital banking to pay your friends and family members for free! Our P2P service is offered in the bill pay area of digital banking, and you need to have a checking account with us in order to use these services.
We recommend using this service if the person you want to pay isn't an Oregonians member. If they're a member, you can make cross-account transfers into their account and you're not required to have a checking account to do this.
About P2P transfers
- All bill pay services, including P2P transfers, can only be made using your Oregonians checking account
- You must add the person you'd like to transfer money to as a recipient, before you can send them money
- All your P2P recipients are available for you to send money to in Payments > Bill Pay > Person
How does the P2P (person-to-person payment) process work?
- Add the person you'd like to pay as a recipient
- Initiate the payment
- They'll receive an email or text asking them to supply a debit card number or bank account numbers
- Debit card: they pay a $1 fee, transfer takes place in under 20 minutes
- Bank account: no fee, transfer takes place within 1 business day
How to add a person as a recipient for P2P transfers
- Open the Payments tab
- Click the Bill Pay & External Transfers (app) or Bill Pay, P2P and A2A (online) button
- Select the Member Number you'd like to transact with (you must have a checking account on this membership)
- Click the Person tab
- Click ADD CONTACT
- Complete the OTP verification
- Enter the person's information and click ADD
- Congratulations, this person is now added to your recipient list for P2P transfers!
How to make a P2P transfer
While in the Person tab (step #4 above), you'll see all of your P2P recipients. Locate the person's tile and click PAY to send them money.
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