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With Bill Pay, you can pay more than just bills. Members with a Santa Fe FCU checking account can use Bill Pay to move money to multiple places.

Send money to and from your other bank accounts

Our Bill Pay software allows you to send money to and from other accounts easily. Most transfers process in 2-3 business days and it is an easy way to manage all of your finances is one place. There is no fee for this service.

Get Started

  • Go to the Bill Pay tab in Online Banking or Mobile App
  • Click 'I Want to...'
  • Select 'Transfer Between My Accounts'
  • Go to the 'Accounts' tab in the middle of your screen
  • Click the orange + icon
  • Enter the account information for your other financial institution
  • Click 'Add Account'

Once you add your account, you may be asked to verify micro deposits in your other bank account. These will be a small withdrawal and deposit of less than $1.00. Once you receive those, go back to the Bill Pay screen to verify the transaction amounts. After the verification process, you will be able to send and receive money from that account.

Send Money to Other People

With Bill Pay, you can easily send money to friends and family, without knowing their account information. To send money to others:

  • Go to the Bill Pay tab in Online Banking or Mobile App
  • Click 'I Want to...'
  • Click 'Pay a Person'
  • Click the box that says 'Name or Nickname'
  • Click 'Add Recipient'
  • Enter the Recipient's Name, phone or email, and a message if you like
  • Click 'Continue to the next step'
  • Provide a secret word that you will share with the recipient to verify the transaction
  • Send a secure ID code to a phone number or email listed
  • The recipient will receive a text or email and follow those instructions to receive their funds

Pay Bills and Companies

Bill Pay is the easiest way to pay your bills, all in one place.

Add a Payee:

  • Go to the Bill Pay tab in Online Banking or Mobile App
  • Click the 'Add Payee' button
  • Type the name of the company and select the one you want to pay
  • If your Payee isn't listed, click the button at the bottom that says 'Add Payee Manually'
  • Enter the Address, your account number for the Payee, and select the account you want to Pay from
  • Click 'Create Payee'

Once you have your Payees added, you are ready to pay bills.

Pay Bills:

  • Find the Payee you want to pay on the Bill Pay home screen
  • Enter the amount you want to send
  • Enter the date you want the money sent (Please note the estimated delivery date)
  • Add a memo if you like
  • Click the orange 'Pay Bills' button in the top right of your screen

*Please note that Bill Pay does require an active Share Draft Checking account.


Call our support line at 866.870.9784 Monday through Friday from 9:00am - 5:00pm CST.

Bill Pay FAQ

Bill Pay Basics

Q: What is Bill Pay?

A: Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Q: Who can I pay with Bill Pay?

A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

Getting Started with Bill Pay

Q: How do I enroll in Bill Pay?

A: It’s easy to enroll for Bill Pay. Just log into your Online Banking account and click the "Bill Pay" link to access the short enrollment form.

Q: How do I start using Bill Pay?

A: The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  • Log into your Online Banking account and click the "Bill Pay" link.
  • Add your payee from the "Payees" tab.
  • Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

How Bill Pay Works

Q: How are online payments delivered?

A: Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Q: Is Bill Pay secure?

A: Paying bills online is one of the safest ways to pay your bills. Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Q: How long does it take before my payment is received?

A: Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Q: How are the scheduled payments processed with Bill Pay?

A: Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Bill Pay Benefits

Q: What are the primary benefits of Bill Pay?

A: Here's a quick list of the many ways you can benefit from using Bill Pay.

  • Save time. With Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  • Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  • Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  • Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  • Help the environment by saving paper. With Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.


Q: What is eBill?

A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account.

Q: How do eBills work?

A: eBills are delivered directly to your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q: Will I still receive paper statements when I have eBill?

A: You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

Q: How will I know if eBill is available for a payee?

A: If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Bill Pay dashboard.

Q: What are the primary benefits of eBill?

A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your Bill Pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

Q: What information is included in an eBill?

A: Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.

Q: How do I pay an eBill?

A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q: How do I know when I have received an eBill?

A: You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

About Santa Fe FCU

We are a full-service financial institution offering savings, checking, loans, and the digital services you need to keep you going! You'll find personalized service, great rates, and a banking experience that you can benefit from at all stages of life. Learn More