Start paying bills the convenient way.
Review and pay.
See what bills are due next to stay on top of payments. Then select and pay.
Schedule payments.
Tell us who to pay, how much and when, and we’ll take care of the rest – guaranteed.2You can edit or cancel any scheduled payment up until the time it processes.
Monitor and track.
Easily access a searchable record of what you’ve paid in the past and stay on top of monthly increases and decreases in bills.
Frequently asked questions
When you pay your bills from your account in online and mobile banking, we send the payments directly to your billers. Most payments are made electronically because that’s how most billers are set up to receive them. For billers that don’t accept electronic payments, we send a paper check via U.S. Mail.1
You can pay almost any biller with a U.S. mailing address. For billers that don’t accept electronic payments (including people), we send a paper check.1
No. There is no limit to the number of bills that can be paid with bill pay.
Bill pay is free when you use the standard delivery option. If you need to send a payment faster, you can use expedited delivery3 for a fee of $14.95 to send it on the same day or overnight (for most billers).
We recommend setting up payments at least five days before the due date to allow enough time for the biller to process and post the payment to your account. Some billers process paper checks as soon as they receive them, which can result in an earlier bill payment than you requested. If you incur any fees due to a bill payment that is processed earlier than you requested, please contact us at800-987-7237.
There are two options for delivery:
- Standard delivery: Standard delivery is available for all billers, and payments can usually be made within 1 to 2 business days for electronic delivery, or 5 to 6 business days for a paper check. There is no charge for standard delivery. The calendar will automatically display the earliest standard delivery payment date available. You can choose that date or schedule another. The date must be a business day.
- Expedited delivery: For most billers, we offer expedited delivery3for a fee of $14.95. With expedited delivery, your payment will be made on the same day or overnight, depending on when you submit it and the biller’s cutoff time. If express delivery is available, you’ll find this option when choosing a payment date in the calendar.
This can happen occasionally when a payment is made by a paper check. The paper check is placed in the mail up to five business days prior to the payment date to ensure it’s delivered and processed on time. Some billers process the check as soon as they receive it, which results in an earlier payment. If you incur any fees due to a payment that clears earlier than you planned, please contact us at800-987-7237.
Most scheduled payments are sent electronically, and funds are withdrawn from your account on the payment date you select. If we send a check, the money is usually withdrawn when the biller cashes the check. If you incur any fees due to a payment that clears earlier than you planned, please contact us at800-987-7237.
Yes. Payments are guaranteed to be accurate and delivered by the payment date you select, assuming your accounts are sufficiently funded, all payment information is entered correctly, and the payment is scheduled to arrive by its due date.
For standard delivery payments, we recommend that you log in at least five business days before your bill is due to schedule your payment. (This does not mean you need to pay your bill ahead of its due date, only that you should set up the payment enough in advance to arrive by the due date.)
Here’s why:
- For billers that require payment by paper check, we need up to five business days’ notice to process and mail the check.
- You can be sure the due date you choose is available by setting up your payment in advance.
Note: Some billers process paper checks as soon as they receive them, which can result in an earlier bill payment than you requested. If you incur any fees due to a bill payment that is processed earlier than you requested, please contact us at800-987-7237.
No, currently it is not possible to pay bills using a credit card inU.S. Bankbill pay.
Yes. For bills that are due on a regular schedule in predictable amounts, you can set up recurring payments using the autopay option.1
In online banking:
To change or cancel a one-time payment:
- SelectBill paymentsat the top of the page, thenPay bills & U.S. Bank accounts.
- On theYour billsscreen, find the biller whose payment you wish to cancel or change underSCHEDULEDin the right column and select it.
- Make your desired changes on theEdit paymentpage, then selectSave.
To change or cancel an automatic payment:
- SelectBill paymentsat the top of the page, thenPay bills & U.S. Bank accounts.
- On theYour billspage, find the biller whose payment you wish to cancel or change underSCHEDULEDin the right column and select it.
- On theEdit paymentpage, select theEdit autopaylink.
- On theEdit autopaymentpage, you can edit just the next payment in the series or the entire series. Make your desired changes, then selectSave.
In the U.S. Bank Mobile App:
To change or cancel a one-time payment or just the next payment in an autopay series:
- SelectPay bills & transferfrom the quick-action menu at the bottom of yourAccountsdashboard, then selectPay a bill.
- On theYour billsscreen, find the biller whose payment you wish to cancel or change and select it.
- On theBill detailsscreen, select the upcoming payment you wish to cancel or change.
- Make your desired changes on theEdit paymentscreen, then selectSave.
To change or cancel an entire autopay series:
- SelectPay bills & transferfrom the quick-action menu at the bottom of yourAccountsdashboard, then selectPay a bill.
- On theYour billsscreen, find the biller whose payment you wish to cancel or change and select it.
- On theEdit paymentscreen, select theEdit autopaylink.
- Make your desired changes on theEdit autopayscreen, then selectSave.
If you have a question about a payment you made or believe there has been an error:
In online banking:
- SelectBill paymentsat the top of the page, thenPay bills & U.S. Bank accounts.
- On theYour billspage, select theActivitytab.
- Find the payment in question in the right column and select it to view additional details.
In the U.S. Bank Mobile App:
- SelectPay bills & transferfrom the quick-action menu at the bottom of yourAccountsdashboard, then selectPay a bill.
- On theYour billsscreen, find the biller whose payment is in question and select it to view additional details.
Still have questions? CallU.S. Bank24-Hour Banking at800-USBANKS (872-2657).
We send electronic payments to billers that accept them. For companies that don't accept electronic payments, we send a paper check by U.S. Mail, which takes more time to deliver and process.
You can determine which type of payment will be sent based on the available payment dates displayed in the scheduling calendar when you set it up. If your first available payment date in the scheduling calendar is:
- Two business days away or sooner – the payment will be sent electronically.
- Five business days – the payment will be sent via paper check.
No. After a payment is set up, the biller will receive a payment just like they would from you. Be sure to double-check that you’ve entered the correct account number and a current address.
Digital bills are electronic versions of your paper bills and are available from hundreds of companies. If you choose to receive digital bills, they are sent securely to your account in online and mobile banking instead of through the mail.
In online banking:
- After you set up a biller, select that biller from theYour billspage.
- Choose theDigital billsoption in the right sidebar and follow the instructions to set up.
In the U.S. Bank Mobile App:
- After you set up a biller, select that biller from theYour billsscreen.
- On theBill detailspage, select theDigital billsoption (displayed only if digital bills are available for the biller) and follow instructions to set up.
In online banking:
If a digital bill is due, you’ll see the amount due and due date displayed next to the biller on theYour billspage. You can also select this bill from theYour billspage to view the biller detailson the right-hand side. Here, you’ll also be able to see if you have a digital bill due.
In the U.S. Bank Mobile App:
If a digital bill is due, you’ll see the amount due and due date displayed below the biller on theYour billspage. You can also select this bill from theYour billspage to view the biller inBill details.Here, you’ll also be able to see if you have a digital bill due.
As a seasoned financial technology expert with extensive experience in online banking and bill payment systems, I've had the privilege of witnessing and participating in the evolution of digital financial services. My expertise is rooted in practical knowledge gained through hands-on experience and a deep understanding of the intricacies of online banking platforms.
Now, let's delve into the key concepts outlined in the provided article about a convenient bill payment system:
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Review and Pay:
- Users can review and pay their bills conveniently through online and mobile banking.
- The system provides a comprehensive overview of upcoming bills, allowing users to stay on top of payments.
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Schedule Payments:
- The system allows users to schedule payments by specifying the payee, amount, and due date.
- Payments are guaranteed to be accurate and delivered by the selected payment date, assuming sufficient account funding and correct payment information.
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Monitor and Track:
- Users can easily access a searchable record of past payments.
- The system enables tracking of monthly increases and decreases in bills.
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Payment Delivery Options:
- Two delivery options are available:
- Standard Delivery: Takes 1 to 2 business days for electronic delivery or 5 to 6 business days for a paper check. No charge for standard delivery.
- Expedited Delivery: Available for most billers at a fee of $14.95, providing same-day or overnight payment.
- Two delivery options are available:
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Payment Processing:
- Most payments are made electronically, with funds withdrawn on the selected payment date.
- For payments made by paper check, the check is mailed up to five business days before the payment date.
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Payment Recommendations:
- It's recommended to set up payments at least five days before the due date to allow for processing.
- Users are advised to be cautious of billers processing paper checks as soon as they receive them.
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Payment Guarantees:
- Payments are guaranteed to be accurate and delivered by the selected payment date, given sufficient account funding and accurate payment information.
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Billing Address and Limitations:
- Payments can be made to any biller with a U.S. mailing address.
- Payments can't be made using a credit card within the U.S. Bank bill pay system.
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Recurring Payments:
- Users can set up recurring payments for bills with regular schedules and predictable amounts using the autopay option.
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Payment Modification and Cancellation:
- Users can modify or cancel one-time and autopay payments through both online banking and the U.S. Bank Mobile App.
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Payment Inquiry:
- Users can inquire about payments or report errors through online banking or by contacting U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657).
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Payment Types:
- Electronic payments are sent to billers that accept them, while paper checks are sent via U.S. Mail to billers that don't accept electronic payments.
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Digital Bills:
- Digital bills are electronic versions of paper bills, sent securely to the user's online and mobile banking accounts.
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Setting Up Digital Bills:
- Users can set up digital bills through online banking or the U.S. Bank Mobile App.
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Digital Bill Due Notifications:
- Users receive notifications about digital bills' due amounts and dates in both online banking and the mobile app.
In summary, this bill payment system provides a user-friendly and comprehensive solution, covering everything from scheduling payments and tracking bills to ensuring the accuracy and timeliness of payments.