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All information on "Bill Payment and Biller Direct". Don't see the answer to your question below? Read another topic, search for a different keyword, or get in touch.

What companies does CardSwap work with?
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CardSwap works with many companies you use on a regular basis including, but not limited to:

24 Hour FitnessCaviarGrouponNetflixTarget
AdobeChewyeHarmonyOrbitzTravelocity
ADTClipperHello FreshPandoraTivo
AirBnBCrunchy RollHuluPricelineUber
AmazonDirecTV NowInstacartRedboxVesta
Amazon AudibleDisney+IPSYREIWag
AncestryDollar Shave ClubiTunesRokuWalmart
Bank BoxDoorDashKohl'sSearsWeight Watchers
Best BuyDropboxKrogerSirius XM RadioZipCar
BirchboxeHarmonyLifelockSling TV
Blue ApronExpediaLyftSpotify
Bon AppetitExperianMacy'sSquarespace
Booking.comFandangoNapsterStitch Fix


How long do I have to cancel a payment in Biller Direct?
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You can cancel a payment up until the payment moves into a processing status on the payment date.

Can I pay more than the due amount or pay a partial amount?
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We do not currently support partial payments or payments exceeding the amount due.

Can I future date a payment?
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Yes, a payment can be scheduled in advance up until the due date of the bill. After the due date has past, payments can only be made for the same day.

When will the funds be withdrawn from my account?
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This is dependent on the individual merchant. Merchants that process payments in near real-time using a credit/debit cards will typically post those payments immediately and the funds will be withdrawn similar to a debit card POS transaction. Merchants that do not process payments in this way will typically see a 1-3 day time frame for funds being deducted from your account.

How long does it take for the payment to show up on the biller portal?
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That is dependent upon the individual merchant. Some merchants will process payments as a card-not-present POS transaction (think Amazon purchases) and their portal will update as soon as the transaction is submitted by the Biller Direct automation process. Other merchants process transactions some time after the end of the business day and typically post that to their portal the following day. Some merchants also batch process transactions during specified times during the week. These merchants will update that the bill has paid, but will not process the payment until their specified batch times.

When can I make a payment on a bill?
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Once the payment is marked as due on the biller website, it will be available to pay in Biller Direct.

When will my bill pay if it’s set on auto-pay in Biller Direct?
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We will submit the payment 1 day before the due date.

Can I change the schedule of my Biller Direct payment?
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You can edit the scheduled date for any non-recurring bill payment until the payment starts processing. Recurring payments are automatically set to pay on the day before the bill is due.

What happens if I set up recurring payments through Biller Direct but already have them set up on the biller's website?
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If Biller Direct detects an existing recurring payment, we will display that to you. We will not make any changes to that recurring payment, except for switching the funding source if you add a card or account as the payment method for that card. Biller Direct will not cancel or add a second recurring payment.

Can I pay other people using Biller Direct?
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No. Biller Direct is only used for paying merchants that support electronic payments of bills via their website.

What if I don’t see a biller I want to pay in Biller Direct?
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If you search for a biller we do not currently support, you can click 'Can't find it' and request the biller be added.

How long does it take to sync a bill in Biller Direct?
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Bills typically sync within 24 hours. If the bill is taking longer than 24 hours to sync, please let Digital Support know so they can investigate.

What happens to my automatic payments if my card expires or is deactivated?
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When Biller Direct or CardSwap recognizes that a card is close to expiring, you will be notified that you will need to update card details. We will send a notification to you 5 days and 1 day before the card expires. If a payment fails to process because of an expired or deactivated card, you will be notified that the payment failed.

What happens if a Biller Direct payment is returned?
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If there are any issues with making payment via your linked debit card, you will be notified that the payment could not be submitted and will be instructed to fix the issue within Biller Direct.

What is CardSwap?
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CardSwap helps you update your automatic payment options for several sites all at the same time when you need to update your expiration date or card number when a card is lost or expires. Instead of logging into billers like Netflix, Hulu, Verizon, and Cox all separately, you can just go to your online banking to update your payment information in one place.

How does Biller Direct work?
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You can use biller direct to pay bills using your debit card. The system uses the credentials you have for a biller's website and logs in as you to get the payment due date and then pay the bill for you.

For example, you can enter the user id and password for your Netflix account and Biller Direct will show you when your next bill is due and give you the option to set up automatic payments with your ARB debit card. This lets you manage all subscriptions and bills in one easy portal. You can even set up text alerts to notify you when bills are being paid.

How do I set up reminders in bill pay?
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In the Bill Pay Management center, locate the payee you'd like to enable reminders for and click Reminder. It will walk you through the steps to establish the new reminder for that payee.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I add a new biller to bill pay?
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In the Bill Pay Management center, select the Add Company or Person option at the top of your list of payees. This will open a window that will provide a list of common bill types or you can click the "person" tab to send to an individual.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

Can I cancel a bill payment?
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You can cancel a payment as long as it is still in "pending" status.

Go to the Bill Pay Management center. The pending payments will be listed in their own section toward the right of the page. You may select Cancel to remove the payment entirely, or Change to make changes to the payment.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

What is Popmoney?
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Popmoney is an electronic funds transfer service (similar to using Venmo) offered through Bill Pay.

You can access Popmoney through the Bill Pay Management center. The system will prompt you to enter the recipient's first name, last name, and either their contact information or their banking info along with the payment information (amount, send date, paying account).

Download the ARB Mobile App at the Apple App Store or Google Play Store.

My bill payment didn't arrive; what do I do?
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If you have confirmed with the payee that the check has not arrived, your best bet is to reach out to Bill Pay Support directly at 888 918 7422. This will ensure the most timely response and quickest resolution.

How do I know if a bill payment is being sent electronically or via check?
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If the payment has already been made, click Activity, then select the transaction. It will list how it was processed, as well as when it should arrive and when it was debited from the account.

If you have scheduled the payment, click Activity, then select the transaction. It will list how it will be processed (Check or Electronic) as well as when it should arrive.

If you are in the process of making a payment, when you get to the “Review Payments” screen, if it is paying electronically, it will tell you when it will be delivered. If is being sent by check, it will estimate when the check may be cashed. Please note: the check may be cashed before the estimated date, so it is important to make sure you have enough money in your account to cover the payment if it cashed earlier than the estimate.

How do I set my bills to pay automatically?
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You can set up AutoPay within the Bill Pay Management center (in the Transactions menu).

  • If you have eBills set up, it will look at the bills for amounts and due dates. Click AutoPay, then Set Up AutoPay. It will have you select the delivery date, ask what amount you want to pay automatically, and allow you choose if you want to be notified and when.
  • If you have not set up eBills, you can manually add the information. Click AutoPay, then Set Up AutoPay. It will have you enter an amount, memo, delivery date, frequency, and duration, and allow you choose if you want to be notified and when.

You can also set up bills to pay automatically using Biller Direct (in the Debit Card menu). Biller Direct uses the credentials you have for a biller's website, logs in as you to get the payment due date, and then pays the bill for you the day before it is due.

    How do I set up eBills?
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    You may set up and manage eBills in the Bill Pay Management center. Simply locate the payee and click the eBills link. It will walk you through setting up an eBill. Note: Not all billers support eBills, but most larger billers (insurance companies, utilities, credit card companies, etc.) do.

    Download the ARB Mobile App at the Apple App Store or Google Play Store.

    What is eBills?
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    eBills is a service within Bill Pay Management that links to the statement coming from the biller. Bill Pay will send you a reminder and let you know how much is due and when. it will also store a copy of the bill within Bill Pay Management.

    You may set up and manage eBills in the Bill Pay Management center. Simply locate the payee and click the eBills link. It will walk you through setting up an eBill. Note: Not all billers support eBills, but most larger billers (insurance companies, utilities, credit card companies, etc.) do.

    How do I set up recurring bill payments?
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    You may set up and manage recurring payments in the Bill Pay Management center. Simply locate the payee and click the AutoPay link. It will walk you through setting up a recurring schedule.

    You may also make recurring payments through Biller Direct. With Biller Direct, payments are automatically set to pay on the day before the bill is due.

    What is the difference between Bill Pay Management, Quick Bill Pay and Biller Direct?
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    Bill Pay Management allows you to add and delete payees, set up auto pay, and view detailed payment history.

    Quick Bill Pay allows you to quickly and easily send a payment to a payee who has already been established.

    Biller Direct offers additional speed and flexibility, including the ability to use your debit card to pay bills.

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