Welcome to Bank of Farmington &
Integrity Community Bank
Need Help? Text us at (309) 245-7250
Reminder: Please know we will never call you to verify your personal information/PIN # for any reason! Contact your local office should you have any concerns.
Q: How does the Online Bill Pay service work?
A: Our Online Bill Pay service offered through Online Banking allows you to set up payments to just about anyone. You tell us the person or company you want to make a payment to, and we will withdraw the money from your account and send the payment to the payee. You may schedule one-time, occasional, or recurring payments to be paid right away or a date in the future.
Q: Who can use the Online Bill Pay service?
A: Anyone who has access to a transaction account in Online Banking is eligible to use the Online Bill Pay service once they have been authorized to do so by our financial institution. To sign up for our Online Bill Pay, select the "Bill Pay" option for the account(s) you wish to make payments from when you enroll for Online Banking. If you are already enrolled in Online Banking, just contact our financial institution using our Online Banking secure email service and let us know which account(s) you wish to make payments from.
Q: How long will it take to get registered for Online Bill Pay?
A: If you are already enrolled in Online Banking, it will usually take one or two business days while we verify your account.
Q: How are payments made?
A: When scheduling your payment, you tell us the payment amount and when to issue the payment. On the scheduled payment date, the payment amount is automatically deducted from your account and the payment is sent to the payee either by check through the U.S. Postal Service, or is sent to the payee electronically.
Q: Who can I pay with this service?
A: You can pay virtually anyone you want using our Online Bill Pay service. There are many payees already on the national database, but you may add anyone to our list of payees, as long as they have a valid U.S. mailing address.
Q: When I add a new payee, do I have to wait before I can make the first payment?
A: No. When you add a payee to the Online Banking payee database, you may immediately schedule a payment to be paid on the next payment processing day.
Q: How far in advance should I schedule payments?
A: For payees who accept electronic payments, allow three business days before your payment due date. If the payment is issued by check, you should allow five to seven business days for the payment to arrive and be credited to your account with the payee.
Q: When are payments processed?
A: Payments are processed each business day. Any payments scheduled on a non-business day (Saturday, Sunday, and federal holidays) will be issued the following business day.
Q: What if I have insufficient funds in my account on the scheduled payment date?
A: The payment will not be made. The Online Banking system will send a message notifying you that the payment cannot be made due to insufficient funds. Our system will attempt to make the payment once every business day until there are sufficient funds in your account or you delete the payment.
Q: What if the payee does not receive my payment? Who pays any late fees?
A: If the payee does not receive a payment, contact our financial institution's Online Banking representative immediately. If our research finds that a late fee incurred was due to an error with the Online Bill Pay system, we will take responsibility for any late fees resulting from such error and will work to resolve the issue with the payee on your behalf.