How are my bills paid?
Payments that are entered or scheduled prior to 2:30 a.m. Central Standard Time (CST) on a business day will be processed at our 2:00 a.m. CST processing time. Payments that are entered or scheduled between 2:00 a.m. and 11:45 a.m. CST on a business day will be processed at our 12:00 noon CST Processing time. Payments entered or scheduled after 12:00 CST will be processed the next business day at our 2:00a.m. CST processing time. Payments are sent to your payees in one of two ways: For those payees you have set up as Electronic Payees, Payments are made electronically by our third party service provider. Although the funds are debited from your account the same day, it may take 3 to 5 days for the electronic payments to reach your payee(s); or For all other payees, payment is made by check, with your name listed as sender, mailed that same day through the U.S. mail to your payee. The checks are laser printed and MICR encoded at the JHA Service Bureau, our third party service provider. The checks are encoded with the routing number of Citizens Bank, your account number, and a sequential check number. These checks clear against your account just as if you had written the check from your own checkbook. Sufficient time must be allowed for the post office to deliver the check to you payee(s).