Paying bills can be a tedious task. Between paper statements, checks, envelopes, stamps, and somehow remembering to mail everything on time, it’s easy for bills to fall through the cracks. Citizens Bank offers a convenient online bill pay solution to make managing monthly expenses quick and easy. With Citizens Bank One Time Bill Pay, you can securely pay bills online without the hassle of writing and mailing paper checks.
How One Time Bill Pay Works
Citizens Bank One Time Bill Pay allows you to pay bills directly from your Citizens Bank checking account in just a few clicks To make a one time payment, simply log into your Citizens Bank account online or via the mobile app. From there, select the “Pay Bills” feature and choose the payee you want to pay. Enter the payment amount and date, then submit the payment Citizens Bank will debit the funds from your account and mail a paper check to the payee on your behalf.
You can use One Time Bill Pay to pay virtually any company merchant service provider, individual, or other payee. As long as you have the name and mailing address, Citizens Bank can mail a paper check payment to them. There’s no need to wait for a paper bill or statement in the mail. You can proactively log in and make payments whenever it’s convenient for you.
Citizens Bank One Time Bill Pay offers complete payment flexibility. In addition to scheduling one time payments, you can also:
- Set up automatic recurring payments on a weekly, monthly, or customized schedule
- Pay multiple bills at the same time from the Payment Center
- Receive and view electronic bills directly within your Citizens Bank account
- Review payment history and statements for the past 18 months
- Pay bills using a mobile device
Key Benefits of One Time Bill Pay
Citizens Bank One Time Bill Pay provides a number of advantages over traditional paper check payments:
Convenience
You can pay bills anytime, anywhere using the Citizens Bank website or mobile app. No more buying stamps, printing checks, or remembering to put payments in the mail. Bill pay is accessible 24/7 with an internet connection.
Security
Payments made through Citizens Bank are more secure than mailing paper checks which can get lost or stolen There is no sensitive account information printed on checks
Savings
You’ll save money on stamps, envelopes, and check costs. Mailing paper checks also takes time and gas for trips to the post office. Bill pay eliminates these expenses.
Reliability
Bill pay payments never get lost in the mail. Citizens Bank will mail a check on your behalf and provide tracking. Payments arrive on time without the risk of postal delays.
Organization
You have a complete record of all bills and payments made through Citizens Bank. Payment history makes it easy to budget, manage expenses, and catch billing errors.
Getting Started with One Time Bill Pay
Signing up for Citizens Bank One Time Bill Pay is quick and easy. Follow these steps to start paying bills online:
- Log into your Citizens Bank account online or via mobile
- Under Services, select the “Pay Bills” option
- Click on “Pay a Company or Person”
- Enter the billing name, address, account number (if applicable), and any other pertinent details
- Specify the payment amount and delivery date
- Confirm the payment details and submit
- The biller will receive a paper check in the mail on the scheduled date
Once the payee is set up, you can log in any time to make additional one time payments or set up recurring payments.
For bills with variable amounts each month, you’ll need to manually enter the payment amount before each due date. However, you can automate fixed payments that are the same every month.
It’s a good idea to schedule bill payments 4-5 days before the actual due date listed on your statement. This allows time for Citizens Bank to process the payment and put a check in the mail. Monitor pending payments in your Payment Center to confirm the payment status as the due date approaches.
Tips for One Time Bill Pay
Take advantage of all the Citizens Bank One Time Bill Pay features to maximize convenience and cost savings:
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Go paperless by opting in for electronic bills when available. You’ll save time sorting mail and have instant access to bill details.
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Set up text or email alerts for important payment notifications rather than relying on paper statements.
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Use recurring payments for any fixed monthly bills like utilities, subscriptions, insurance, rent/mortgage, car payments, etc. One setup automates the payments going forward.
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Review payment history and statements regularly to catch any billing discrepancies or fraudulent charges. Online access makes it easy to monitor spending.
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Pay down credit card balances in full each month to avoid interest charges. Schedule bill pay dates well before the due date.
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Leverage the mobile app to pay bills from anywhere. Download Citizens Bank’s app for on-the-go access.
Citizens Bank Bill Pay Costs
The good news is Citizens Bank does not charge any fees for standard bill pay services. You can make unlimited online payments without monthly maintenance fees or per transaction charges. The bill payment service itself is free.
However, expedited electronic payments do have associated fees in some cases. There are also fees for payments sent via same day courier. Be sure to check the pricing list on Citizens Bank’s website for full details on bill pay costs.
The only other consideration is overdraft fees if you attempt to pay bills when your account balance is insufficient to cover the charges. Keep an eye on your checking account balance and any pending transactions to avoid overspending.
Is Citizens Bank Bill Pay Safe?
Yes, paying bills online through Citizens Bank is completely safe and secure. Citizens Bank employs advanced security measures and encryption to protect your financial information.
When you log into your account, the login credentials are encrypted before being transmitted. Data is secured using industry-leading firewalls and hard drive encryption. Citizens Bank also offers guaranteed protection against unauthorized payments.
You play an important role in bill pay security as well. Be sure to take precautions like:
- Using a strong password that’s unique for your Citizens Bank account
- Never sharing login credentials with others, including close family/friends
- Logging out of your account when finished using bill pay
- Checking your account regularly for unauthorized charges
- Keeping computer virus protection software up to date
- Avoiding public wifi networks for banking activity
Pros and Cons of Citizens Bank Bill Pay
Citizens Bank One Time Bill Pay offers many benefits, but also some potential drawbacks to consider:
Pros
- Saves time over paper checks
- More secure than mailing checks
- Accessible 24/7 for payments
- Free service with no monthly fees
- Organize bills in one place
- Schedule future-dated payments
- Works with any payee nationwide
Cons
- Cannot pay bills same day
- Occasional payee verification letters
- Cannot earn rewards compared to credit card payments
- Checks can get lost or delays by USPS
- Need to monitor pending payments
- Can overdraft if low account balance
For most people, the convenience factor outweighs any minor inconveniences with Citizens Bank bill pay. Paying bills online reduces stress and saves hours of time each month. However, it depends on your specific payment needs and preferences.
Is Citizens Bank Bill Pay Right for You?
Citizens Bank One Time Bill Pay is a great solution for anyone looking to streamline their monthly finances and make bill payment easier. It integrates directly with your existing Citizens Bank checking account. The service is free, user-friendly, and accessible across devices.
Bill pay is ideal if you:
- Frequently forget due dates or miss sending paper checks
- Want to reduce clutter from paper bills and statements
- Have a busy schedule and need to pay bills quickly in minutes
- Travel frequently or are away from home when bills are due
- Prefer electronic record keeping and financial management
However, alternatives like automatic bank account numbers or credit card autopay may be better options in some cases. For example, if you:
- Need to pay recurring bills on the exact due date, not before
- Want to earn credit card rewards on payments
- Prefer a bill payment process without any manual effort
- Require same day payoff of loans or other debts
- Have bills under multiple family members’ names
Take a look at your current bill payment workload, pain points, and preferences. Citizens Bank One Time Bill Pay can provide convenience, cost savings, and peace of mind for many consumers. But it depends on your specific payment needs.
Get Started with Citizens One Time Bill Pay
Managing personal finances is easier than ever with Citizens Bank One Time Bill Pay. Avoid the headaches of paper bills and mail delays. Pay your bills securely online 24/7 and simplify your financial life. Sign up today and see how much time and money bill pay can save you every month!
Signing up for Online Banking
- It´s easy to enroll in Online Banking. If you have your account information or Social Security number, you can sign up online right now.
- To help our customers manage more of their finances online — in one place — Online Banking offers access to your investment accounts with Citizens Investment Services®. These accounts include:
- Accounts serviced by a Citizens Investment Services Financial Advisor
- Investments accounts you manage
- SpeciFi® digital advisor accounts
Online Banking also provides convenient access to the Wealthscape InvestorSM website, where you can execute transactions and obtain more detailed information on your investment accounts with Citizens Investment Services.
- If you have a Citizens Bank Checking account, you can request your ATM/Debit Card by calling 1-800-656-6561 or visiting your local branch. Business customers should call 1-877-229-6428.
- You can activate your debit card in a few different ways:
- Use the Citizens Mobile App*. Go to “Manage Cards” in the menu and it will bring you to where you can activate your debit card in the app*.
- Complete a purchase. Make an in-store purchase with your debit card using your PIN.
- Visit an ATM. Complete a transaction at any Citizens ATM with your debit card with your current PIN.
- By phone. Call 1-800-527-1800 and have your card and PIN handy to activate.
- It is Citizens Bank´s mission to ensure we always provide you with the best experience possible. While most browsers will allow you to access Online Banking, older versions may limit your ability to access some of the functions available. To ensure you get the most of your Online Banking experience, we recommend that use browsers with 128-bit encryption. Please see our Site Requirements for complete details and links to recommended browsers.
- With most browsers, you can determine the version by selecting the name of the browser from the navigation menu and clicking on “About (browser name).”
- You can begin using Online Banking immediately after you enroll.
- Citizens uses the highest level of encryption available today in order to keep your information safe. Encryption is the process by which information is translated into undecryptable code and then back to recognized information. We use a risk-based approach to every login attempt. As part of this approach, a one-time password will be requested for you to confirm should we find it necessary to further verity your identity. Please note that best-in-class security standards change over time. As such, we are no longer asking for security questions from you, since information used for those questions is often able to be found easily. Your security is our top priority.
- Yes. Please see the Citizens Online Guarantee page for complete details.
- You are the first line of defense for your Online Banking account security. Here are some helpful tips to protect yourself:
- Keep your password a secret – even from us!
- Click on Log Out when you’re done banking with us, whether online or in the mobile app.
- Create a unique password.
- Don’t reuse passwords.
- If you must write down a password, hide it where others won’t find it.
- If you are worried about a site being fraudulent, check the URL for the following:
- Short URLs: If the link is too short, dont use it. Scammers love to use links from shortening sites (e.g., bit.ly) because it bypasses security filters easily.
- Hijacked URLs: Review the link for any characters that do not belong. Scammers will take existing URLs and sneakily add characters that you may miss at first glance.
- Unknown URLs: If you dont recognize a URL, dont click on it.
- Misspelled URLs: If the URL has typos in it, stay clear.
If you need help, lets start a chat.
- Please start by retyping your password. If that doesnt work, heres how to create a new one:
- Go to citizensbank.com
- Click Log in
- Click Trouble logging in?
- Select I forgot my password
- Enter some info to verify your identity
- Create your new (easy-to-remember-but-hard-to-guess) password!
- By default, Online Banking has a timeout feature. If the system is idle for 10 minutes, the user is automatically disconnected after a 60-second countdown.
- Citizens uses a ??????Secure Socket Layer (SSL), also known as Transport Layer Security (TLS), to allow web browsers and servers to safely communicate online.
- Simply put, theyre an extra way to help you protect your sensitive data. SSL certificates are used to establish and maintain a secure connection and encrypt the data passing between your browser and our systems. Its designed to prevent anyone from intercepting or viewing your personal and account information. An EV certificate is the highest level of all SSL certificates. Its strict authentication process gives you the confidence to know that youre on the real Citizens website. To determine whether EV-SSL is working, look at the address bar of your browser. You should see a closed padlock icon.
- The security of your confidential and sensitive data (e.g., login info, social security, etc.) is a top priority and a key feature of our Online Banking. We use latest technology on the market, such as Secure Socket Layer (SSL), to make sure the information you provide is kept between us.
- After you enroll in Online Banking, we wont prompt you to change your password unless you forget it or get locked out of your account. However, as a best practice, we recommend that you change your password every 3 months.
- You should call Online Banking Customer Service at 1-800-656-6561. Business customers should call 1-877-229-6428.
General Features of Online Banking
- Online Banking gives you the power to access and manage nearly all your Citizens Bank accounts — from one place. You can review account history and current transactions, transfer funds between accounts (inside and outside the bank), place stop payments, request copies of statements, send customer service requests via secured email, pay bills, view s of cleared checks, access your checking, savings, and loan account statements online and much more. Personal Online Banking users can access their deposit accounts, loans and lines of credit, investment accounts with Citizens Investment Services, credit cards and mortgages. Business users have access to deposit accounts, overdraft lines of credit, some loans and lines of credit. Business customers may request that other business or personal accounts on which they have an eligible account ownership status be linked to their online profile.
- To make it easier and more convenient to access important account documents, such as statements, check s, electronic notices (eNotices), and 1099-INT and other tax forms, we put them all in one place: the Online Banking Document Center. To access the Document Center, log in to Online Banking and click the “DOCUMENT CENTER” tab.
- You can submit requests to change your physical address (primary street address) associated with your account from the convenience of Online Banking. You can also add separate mailing addresses for each of your accounts if you do not wish to have your account documents and cards mailed to your physical address. To submit an address change, click the Personal Information” link on the “Profile & Settings” page. Then scroll down to “Mailing Addresses” to make a change or addition. (Retail customers only)
- Yes. You can choose to have your account documents mailed to your physical address or add a separate mailing address for each account.
- Yes. Many types of account statements, including those for most deposit, line of credit, and loan accounts, are available in Online Banking under the “DOCUMENT CENTER” tab.
- In addition to account statements, in the Online Banking Document Center, you can easily locate check s, 1099-INT and other tax forms, and certain types of notices, including CD Maturity Notices and Overdraft/Insufficient Funds Notices.
- Yes. You can transfer from any eligible checking, money market, savings, or personal line of credit account you have linked to your profile. You can transfer money to any checking, money market, savings, personal line of credit, and most personal loan accounts. (In cases where account types are IRAs or other restricted products, transfers may not be permitted.) Please see the “Transfer Information & Capabilities” section of FAQs for more information.
- You can view up to 18 months of transaction history. (12 months of statement activity for personal credit cards)
- When you withdraw funds from an ATM or make a purchase with your debit card, the funds will be immediately removed from your available balance. Some networks update transactions real time while others do not. In general, ATM/Debit Card transactions will be reflected on the Online Banking Transaction History by the next business day.
- The running balance on your “Transaction History” page is similar to your check register: it indicates the balance in your account each time you have a deposit or withdrawal activity. Please note that the balance does not reflect holds, outstanding checks, and other transactions, which could cause the balance to be different from the bank´s balance on any given day. The bank does not use this balance as your available balance, and you should not, either.
- Accounts on which you have an ownership code that (generally) allows you withdrawal rights, may be included in your online profile. Accounts may or may not appear in your profile based on whether they have been designated as business or personal. Business owners may request eligible personal accounts be linked to their business profile by visiting a Citizens branch or calling us at 1-877-229-6428. If you dont see an account you expect to see, call us toll free at 1-800-656-6561 for personal accounts. For business accounts, call 1-877-229-6428.
- Up to 18 months of your statements are available online and can be retrieved immediately in Online Banking under the “DOCUMENT CENTER” tab. Simply use the Filter to select the account and timeframe for the statement you are requesting. Statements can be saved or downloaded any time for longer storage needs. If you wish to order a statement older than 18 months, simply click on the “Contact Us” link.
- Yes. You can click on the check number entry on your Transaction History and if an is available for that check, it will appear on screen. If a check is not available, you may order a copy by clicking “Contact Us” under “Help”, and either call or contact a chat representative. Fees may apply for check copy requests.
- Yes. You can download transactions from your account by clicking on the account. Then use the “Export” button and select your download criteria and format you need.
- You can add email addresses and mobile numbers to your alerts contacts list by visiting your “Personal Information” page located under “Profile & Settings”. Just be sure to go back to the “Alert Preferences” page when you want to apply your newly added contact information to the alerts.
- There is no monthly maintenance fee for Online Banking. There may be incidental charges and fees associated with Online Banking, such as those set out below, including, but not limited to, Account fees and charges you initiate by requesting stop payments, check copies, transfers outside the bank, or similar services.
- Online Banking displays your account information in real time based on transactions processed throughout the day, unless stated otherwise.
- Online Banking is available 24 hours a day, 7 days a week. The only exceptions are when system maintenance is being performed.
- Yes. Simply click on the “Site & Display Preferences” link under “Profile & Settings” and from there you can edit your account nickname, then click to “Save Changes”.
- In the rare event that the Online Banking system and all of our back-up systems were to go down, you can be comfortable that any transaction for which you have received a confirmation number has been completed. If you were in the middle of processing a payment when the technical difficulty occurred and had not yet received your confirmation number, you should review your “Pending Payments and Transfers” when the system comes back up. If the payment/transfer does not appear, then you should re-enter the transaction.
- Yes. Macintosh users have full access to Online Banking provided they are using up-to-date versions of Safari, Firefox, or Google Chrome.
- Absolutely. Just click the “DOCUMENT CENTER” tab while logged in to Online Banking to access available tax forms for each of your accounts. Available tax forms may include a 1098, 1099-C, 1099-INT, 1099-Q, 1099-R, 5498 and 5498-ESA. Please note, the Document Center only displays tax forms for Online Banking accounts, though other accounts may appear on a particular form. To ensure you have the right tax forms for each of your accounts, please check your mail.
- To access your tax forms, click on the “DOCUMENT CENTER” tab while logged in to Online Banking. From the “All Types” filter, select “Tax Forms.” Using the “All Accounts” filter, select the account from which you wish to receive the document. Then, using the “Timeframe” filter, select the time period for which you would like to view available documents.
- All tax forms are accessible for seven years from their year of origination. 1099-INT tax forms are available dating back to Tax Year 2016. All other tax forms are available dating back to Tax Year 2018.
- Here are some guidelines that can help you determine which tax form(s) you should expect to receive, if any. If a tax form is issued for your account, it will be posted to the Document Center by the date indicated — and mailed to you, if that’s what your paperless preferences indicate. If your account does not meet any of the below criteria, no tax form will be issued or added to Document Center.
If You… Youll Get This Tax Form Mailed/Posted By Paid $600 or more in interest or points on a mortgage 1098 January 31 Had $600 or more in debt canceled or forgiven 1099-C January 31 Received distributions from a Coverdell education savings account or 529 plan 1099-Q January 31 Earned interest income of $10 or more (not including IRAs) 1099-INT January 31 Received distributions from pensions, annuities, profit-sharing plans, retirement plans, IRAs or insurance contracts 1099-R January 31 Contributed to an IRA (traditional, Roth, SEP, SIMPLE or deemed) 5498 May 31 Maintained or contributed to a Coverdell education savings account 5498-ESA April 30 Keep in mind, Citizens Bank, N.A. doesn’t provide tax advice. You are solely responsible for any taxes that may be owed. Please consult your tax advisor.
How To Pay a Bill on Citizens Bank (Easiest way)
FAQ
Can online Bill Pay be used for one time payments?
Online bill pay is an electronic payment service offered by many banks, credit unions and bill-pay services. It allows consumers to make various types of payments through a website or app, such as: One-time payments. Recurring bill payments.
Does Citizens Bank offer an online bill paying service?
Once you are signed up for Online Banking, you can use the Bill Pay service immediately. Simply click on the “Pay Bills” tab to begin. For business customers, it may take up to 24 hours to enroll in Online Bill Pay.
What is the phone number for Citizens Bank one time payment?
How to make a car payment online?
Visit your lender’s website to make online payments. After creating an account, you can either pay online every month or set up automatic payments. Most lenders prefer a direct draft from your bank account. You will need your account number and your bank’s routing number to set this up.
Can I make payments from citizens online banking?
You can now use Citizens Online Banking to make payments and get information and tools that will help you take even better control of your loan. Already a member of Online Banking? You can log in now to make payments, look up loan information, sign up for Auto Pay, or get your statements emailed to you. Log In Not enrolled in Online Banking?.
How does Citizens Bank pay my bills?
You’ll also get free access to bill pay through Citizens Bank. If you want to pay your bills automatically every month, you can log in to your account and do that. Citizens Bank will take care of sending a check for you.
Does Citizens Bank & Trust offer online bill pay?
Because of Citizens Bank What could be easier than that? With Online Bill Pay, you can: Pay any bill, anytime. Schedule one-time and recurring payments, days, weeks or months in advance. Control when and how much you pay.
Does Citizens Bank charge a customer assistance fee?
A 3. 5% Customer Assistance Fee is applied to all debit and credit card transactions. Citizen Bank lets you pay your bill at any branch, or you can set up free automatic bank drafts or credit/debit card payments (with a 3 5% customer assistance fee).
How do I use Citizens Bank online banking?
Register For Online Banking Install the Citizens Bank app on your phone or mobile device. Install “Citizens Bank Mobile” app from the Apple App Store. Install “Citizens Bank KY” app from Google Play. Do your banking using the app, or from any web browser.
How much does Citizens Bank have to pay in total?
Citizens Bank must pay $18. 5 million in total, with about $11 million going towards consumer refunds and $7. 5 million ($20. 5 million – $11 million) in federal penalties.
