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Online Bill Pay
Select from the category tabs below to find the information you're looking for. If you don't find the answer you're looking for please use the search feature or contact us.
Yes, can cancel any pending bill payments that do not show a status of "Processing". Your bill payments will typically enter the processing status 2 – 4 business days prior to the payment due date. To guarantee that payments are canceled in time, we recommend logging in to cancel your payment by 2 PM Pacific Time at least four (4) business days prior to the payment due date. In some cases you may be able to cancel payments after this time, but it cannot be guaranteed as payment processing times vary depending on the biller.
To cancel a pending bill payment, simply click on the "Cancel" hyperlink for the appropriate payment in the "Pending Payments" area of the Payment Center.
Yes, you may pay bills from any of your eligible checking accounts by selecting the appropriate account in the "Pay From" drop-down menu at the top of the Payment Center page. If you do not choose an account from the dropdown, any payments you schedule will be made from the default account that is set as your "Preferred Account." You may set a different "Preferred" (or default) account at any time by selecting any other eligible checking account in the dropdown and then clicking on the "Make Preferred Account" checkbox.
Yes, you can edit any pending bill payments that do not show a status of "Processing". Your bill payments will typically enter the processing status 2 – 4 business days prior to the payment due date. To guarantee that payments are edited in time, we recommend making your changes no later than 2 PM Pacific Time at least 4 business days prior to the payment due date. In some cases you may be able to edit pending payments after this time; however, it cannot be guaranteed as payment processing times vary depending on the biller.
To edit a pending bill payment, simply click on the "Change" hyperlink for the appropriate payment in the "Pending Payments" area of the Payment Center.
Yes, you can set up a payment to virtually any company or individual, whether you have an account number with them or not. If the company is not able to receive an electronic payment, Bank of the West will send a check for the amount of your payment.
Yes, click on the "Bil Pay"tab and then the "Bill History" button. Select the desired view and narrow your results by choosing "Additional Options". When you have the payment history you want, click on the "Print" button.
Yes, you will be able to enter a memo for payments that will be sent as a laser draft (a paper check drawn on your account). When you schedule a payment that must be processed as a laser draft, the system will automatically display a "Review Payments" screen where you can add a Memo prior to submitting your payment.
Payments are sent electronically or by check depending on the biller's arrangement with our service provider.
- For an electronic payment, funds are transmitted electronically to your designated Biller and debited from your Payment Account on the Scheduled Payment Date.
- For an electronic to check payment, funds will be remitted to your designated Biller by a check drawn on us or on our Service Provider and debited from your Payment Account on the Scheduled Pay Date.
- For a laser draft payment, funds remitted to the Biller via a paper check drawn on your Payment Account payable to your designated Biller and debited from your Payment Account on presentment to us for payment. Laser draft payments are processed the same as any Paper Check you issue on your Account. Laser draft payments may be presented for payment against your Account for payment BEFORE the Scheduled Payment Date and, accordingly, if presented against insufficient funds, may be paid or dishonored by us.
To pay an individual that doesn’t accept electronic payments, click the "Bill Pay" tab, then click "Add a Bill." Then select the option, "Person," and complete the process. We will then mail a check payment to this individual to the address you provide.
To delete billers you no longer use click on the "Manage my Bills" tab, selecting the biller you wish to remove and choosing "Delete this biller." Deleting a biller will automatically cancel any eBills, Pending Payments, and Automatic Payments associated with that biller. You will not need to contact the biller to reestablish your paper bills, cancelling the service will convert your bill back to paper.
For both options, click on the "Bill Pay" tab and then the "Add a Bill" button. To pay an individual, select the option for "Person" and enter the Phone Number. The system will walk you through entering the remaining information.
To setup a company that you don't have an account number with, select "Company" and enter the Biller Name. The system will walk you through entering the remaining information. In the "Account Number" field, you can enter other information that identifies you to the biller. Check your bill or statement for an invoice number, your service address, or the name on the account.
Payments without an account number may cause a delay in the crediting of a payment.
Recurring payments are referred to as "Automatic Payments." To set up an automatic payment, click on the "Bill Pay" tab. Next, click on the "Manage My Bills," button. On the next screen, select the desired Biller from the "Biller Name" dropdown and choose the "Add an automatic payment option. The following screen will walk you through selecting your Pay From account, Payment Amount, Payment Schedule, and email notification options for your automatic payment.
When you are setting up your payments, a dynamic calendar will automatically show you the earliest available pay date you can select for the biller in question. In many cases, this feature will even allow you to make payments to your payee as early as the next business day.
It should be noted that certain billers require more processing time so to guarantee that your payment can be scheduled on time, we recommend setting up your payment a minimum of four (4) business days before the payment due date.
You can setup a maximum of 999 billers.
You may schedule as many payments as you would like in a month.
When viewing your Bank of the West accounts from the Account Overview page you can click "Pay Now" beside the account you'd like to pay. By clicking on this link you will be able to set up transfer payments to your Bank of the West accounts.
Customers will be charged fees for usage in accordance with the table below. Fees, if any, will be deducted from your designated checking account.
NOTE: If a bill is scheduled to be paid, and there are not enough funds in the account on the bill due date, the Bank reserves the right to overdraw the account or return the bill pay presentment. In either case, Overdraft/Returned Item fees will be charged.
Personal Online Banking Service
Business Online Banking Service
Financial Software Access means using third-party financial management software to connect to your accounts. Bank of the West provides the technology to support third-party two-way connectivity using Open Financial Exchange (OFX). Examples of third-party software include Quicken® and QuickBooks® software.
SCHEDULING/EDITING/DELETING BILL PAYMENT
Payments begin processing at 2 PM Pacific Time on business days. After this time, the bill payment dynamic calendar will advance to the earliest available payment date for the next business day.
The maximum amount for a bill payment is $100,000.00.
Your upcoming scheduled payments are located under "Pending Payments" in the "Payment Center" from the "Bill Pay" tab.
You can pay almost anyone with a United States address using Online Banking Bill Pay. You cannot make payments outside of the United States and all payments must be in U.S. dollars. Federal law prohibits any payments to Specially Designated Nationals as published by the Federal Office of Foreign Assets Control. We screen all of our payments against the OFAC database and will block such payments that are made to anyone that is in the database.
Yes, you will receive a confirmation number when you successfully submit a bill payment.
Generally, we will attempt to draft the funds for your bill payment two (2) times. The Bank reserves the right to pay your bill payment and overdraw your account even if you do not have sufficient funds. Similarly, the Bank reserves the right to decline to honor your bill payment if you do not have sufficient funds. In either case, you will be charged an Overdraft/Returned Item fee. If your payment was made by our service provider, and our service provider cannot recover the funds by charging your deposit account, our service provider may contact you directly for payment. You will be responsible to our service provider for a late charge of up to 1.5% monthly interest and fees and costs. You will be notified by email for each unsuccessful attempt to debit your account for the bill payment. In the event, we are unable to obtain the funds after multiple attempts, a written notification will be sent to you. At that time, you will be provided with alternate means of making the payment. Failure to resolve the payment issue could eventually lead to the cancellation of your Bill Payment privileges.
Generally, we will attempt to withdraw the funds for your bill payment two times. If you have insufficient funds during either of these attempts and you do not have an Overdraft Protection feature in place, we reserve the right to pay the bill payment or to decline the bill payment presentment. You may be charged Overdraft Fees or Returned Item fees for each payment attempt and a daily overdraft fee if your account is overdrawn. Refer to your Fee Schedule for more information. Fees may be avoided by ensuring you have the available funds to cover your bill payments and any other outstanding transactions or by setting up Overdraft Protection. Click here to review our Overdraft Protection Options.
Yes. If you have available credit in a Gold Line linked to your online payment checking account, we will transfer funds from your Gold Line to cover any payments if you do not have sufficient funds in your checking account on the payment due date. If you have sufficient available funds in a linked savings account and have not reached the maximum number of transfers permitted from a savings account per statement cycle, Savings Overdraft Protection will also advance money to cover Online Banking bill payments.
For those billers that offer eBills there will be a icon next to the biller name. Click on the icon to set up your ebill.
NOTE: Some billers stop sending you paper bills when they start sending eBills. For these bBillers, you must agree to receive only electronic bills to activate your service. You will be notified if this is the case when you begin the eBill setup process.
For most billers, you can elect to have those bills sent to you through Online Banking by setting up the bill as a new biller. This way, you can keep track of almost all of your payments in one location, and see pending and recent payments quickly.
An eBill is a bill sent to your Online Banking account directly from the company that provides services to you (your credit card company, your electric company, etc.). eBills typically contain the same information included in the paper bills that are mailed to you. Setting up eBills allows you to keep many of your bills in one location and pay them with just a few clicks. Also, you can set up payment reminders or automatic payments from your eBills. For more on eBills, please watch our demo.
NOTE: Some billers stop sending you paper bills when they start sending eBills. For those billers, you must agree to receive only electronic bills to activate your service. You will be notified if this is the case when you begin the eBill setup process.