1. Log into your Internet Banking account.
  2. Select the BillPay tab.
  3. Review the terms and conditions. Select Yes, I accept the terms and conditions and select ACCEPT AND SUBMIT.
  4. Once enrolled, you can use BillPay from the FSBT Mobile Banking app or from your computer.


All you need is a computer with access to an internet browser, either:
  • Google Chrome
  • Mozilla Firefox
  • Windows Edge
  • Safari (Mac only)
What is BillPay?
BillPay is a product that allows you to securely pay your mortgage, credit card bills, the power company, family and friends, and much more without having to write a check. BillPay is affiliated with hundreds of businesses making it easy for you to send payments.

What are the benefits of BillPay?
  • Save time by paying your bills online and in one place. No more trips to the post office and no need to memorize multiple website logins to pay individual bills. Set up recurring payments to save even more time on regular payments.
  • Save money by removing the need to purchase postage stamps, envelopes, and checks. Most services through BillPay are free!
  • Stay organized by keeping payment history all within BillPay. No need to 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 electronic BillPay payments, there are no checks or envelopes being used. That is good news for both you and the environment.
Who can I pay with BillPay?
You can pay essentially any business or individual within the United States. For businesses you can pay utilities, cable bills, loans, or credit cards. For individuals you can pay your landlord, babysitter, friends, family, or even yourself if you have other accounts with other financial institutions.

How do I add a payee?
  1. Log into your Internet Banking account.
  2. Select the BillPay tab.
  3. Select the + PAYEE icon.
  4. Select the PAYEE TYPE (Person or Business).
    > If a person, select the delivery method.
  5. Enter the requested information
    > Paying a business? Information can be found on your latest bill statement.
    > Paying a person? Email or text can be sent to gather payee information privately and securely from recipient. Direct deposit is available if you have account information.
Once you add your payee, you can start making payments within seconds.

How does the email or text message delivery method work?
When paying a person, the recipient can submit their account information privately and securely by receiving either an email or text message. Here’s how:

  1. Select the + PAYEE icon
  2. Select PAY A PERSON, then select email or text message (electronic) and select NEXT.
  3. Enter cell phone number or email address.
  4. Create payee nickname.
  5. Create a keyword for payee to confirm their identity.
NOTE: keyword must be shared with recipient prior to them completing the setup process.

Recipient will receive a message to complete a one-time setup process to submit their account information with the keyword provided. Once completed, the recipient can receive electronic BillPay payments as often as you would like.

How do I make a payment with BillPay?
  1. Log into your Internet Banking account.
  2. Select the BillPay tab.
  3. Find the payee on your payments dashboard.
  4. Enter payment amount and payment date.
  5. Select PAY.
  6. Review payment information and click SUBMIT.
How are payments delivered?
Payments are delivered one of two ways: electronically or paper checks. The majority of payments are delivered electronically with secure transmission to keep account information protected. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is BillPay secure?
Paying bills online is one of the safest ways to pay your bills. BillPay 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 payment activity.

How long does it take before my payment is received?
The length of time your payment is received depends on the delivery method chosen.
  • Electronic payments are paid within 1-2 business days.
  • Paper checks are mailed and delivered within 5-7 business days.
When are funds debited from my account within BillPay?
  • If the payment is delivered electronically, the funds are withdrawn from your account on the payment date.
  • If the payment is delivered by check, the funds are withdrawn from your account when the check is cashed.
How do I add an additional checking account to my BillPay account?
From the BillPay tab simply follow these steps:
  1. Select MY ACCOUNT at the top of the page.
  2. Select ADD ACOUNT.
  3. Complete the requested information by filling out account nickname, account number and account type.
NOTE: Account added must be verified prior to use. Verification may take one to three business days.
How do I set up a recurring payment with BillPay?
From the BillPay tab simply follow these steps:
  1. Find the payee you want to make a recurring payment for and select the link to MAKE IT RECURRING, which is just below the pay icon.
  2. Select amount, frequency, payment date, and end date (if applicable).
  3. Select SUBMIT.
How do I edit or cancel a pending payment?
From the BillPay tab simply follow these steps:
  1. Find payment to edit in pending payments section and select EDIT.
  2. Payment date and amount may be edited or you can select STOP PAYMENT to cancel completely.
My BillPay payment was not received. What should I do?
Our Bank Services staff are available to assist you at 651.439.5195. Solutions depend on how the payment was delivered, whether electronically or by paper check.

What is eBill?
eBill is a feature that allows you to receive and pay electronic versions of paper bills and statements directly from your BillPay. Common businesses that have eBill capability include utility companies and credit card companies.

What are the benefits of eBill?
With eBill you are able to streamline your bill pay routine and have online access to your bills. No more clutter of paper bills, and history of bill statements are all kept in one central location.

How does eBill work?
An eBill is delivered directly to your BillPay. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account.

What information is included in an eBill?
If available for your payee, your full bill statement will be delivered to your BillPay. That means you can view all statement information, including transactions, payment history, credits, and more.

If all of the eBill details are not available for your payee, you will receive a summary eBill statement that includes balance due, due date and minimum payment amount.

How will I know if eBill is available for my payee?
If a payee offers eBill, there will be a setup eBill link next to their listing on your BillPay dashboard.

How do I know when I have received an eBill?
Text or email alerts can be setup to notify you when an eBill has been delivered to your BillPay. Alerts can also be setup to notify you when a payment is due based off of the eBill information provided.

How do I pay an eBill?
To pay an eBill, select the account you want to pay from, enter the amount you want to pay, and schedule when you want the payment delivered.

Will I still receive paper statements when I have eBill?
You may continue to receive paper statements for the next two or three billing cycles. Contact your payee for more details on their paper statement policy.


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