Pay and transfer

If you’re new to digital banking, you need to enroll in online bill pay before paying bills within the pay and transfer tool.

To enroll in online bill pay, go to pay & transfer, click on the bill pay enrollment tab, click enroll now and select the account you’d like to be your default funding account.

Log in to digital banking. Click on pay/transfer and use the dropdown menu to quickly make a one-time or recurring payment to a recipient you’ve already set up.

You can also pay bills from pay & transfer in the navigation bar.

  • Select the create & view tab.
  • Click the schedule button and fill in the information: the recipient, the amount, the account the money will come out of and the date you want the payment to process.
  • Next, select whether it’s a one-time or recurring payment, and make any notes if you choose.
  • Click continue and follow the prompts until you see the success notification.

To make a recurring payment, go to pay & transfer and select the create & view tab. Click the create button, select the recipient in the drop-down menu and fill in the payment amount and date. Select the recurring button.

Follow the prompts until you see the success notification.

In the timeline view you’ll be able to see the next scheduled payment only. Once that payment has processed, you can view the next recurring payment scheduled.

You can view current and scheduled payments in two ways – within a timeline (calendar) view or in a list. Go to pay & transfer and the timeline view will appear. If you don’t want to see the timeline, select the hide timeline button or, to show it again, show timeline button. Below the timeline you’ll see a list of transactions starting with pending transactions and then by most recent date processed. Click on any transaction to view further details.
When you create a payment and enter its information, the date field will show you the earliest date that your payment can be delivered. Click on the date field to select later date options.

If you need a bill to arrive faster than the standard delivery time, you may have the option of using express bill pay. Some recipients are able to accept same-day payments while others have overnight delivery as their fastest option—the earliest available date will appear with its pricing before you submit the payment. While there is no fee to use bill pay with a standard delivery payment, there is a fee to use express bill pay.

If express bill payment does not appear as an option, then it's not faster than standard delivery, so we don't offer it.
Almost any bill can be paid online, including to a company or a person within the U.S. However, you can’t make payments for gambling, drugs, tobacco or any illegal purpose. Also, you can’t make a tax or court-ordered payment. If we detect a payment error or if the payment appears to be related to fraud, we may refuse to make the payment.

More than 70,000 billers are already set up in digital banking. You can search for your biller – if that biller’s already set up, you’ll only need to enter a few details, such as the billing account number you have with them.

You may also pay certain companies via e-bill. An e-bill is an online version of a paper bill that’s sent directly into your digital banking account. After you add companies you pay as recipients in pay and transfer, any companies that offer e-bills will appear in the dropdown menu when you click on the manage e-bills tab and click on the add e-biller button. Once e-bills are activated (which may take up to 60 days), you’ll be able to see the bill within digital banking, and you can set up rules to automatically pay the bill.

You can pay almost any biller using pay & transfer. Add a new recipient by choosing pay & transfer and selecting manage recipients. Choose add recipient, then add a biller to pay. You’ll need the account number you have with them (for example, your utility bill account number).

Click the schedule button and fill in the information: the recipient, amount, account the money will come out of and date you want the payment to process. Select whether it’s a one-time or recurring payment, and make any notes if you choose.

Please double check the recipient information you enter to make sure it’s accurate. Mistakes may cause payments to be misdirected, delayed or missed. Click continue and follow the prompts until you see the success notification.

After you have the recipient set up, you can pay bills right from the dashboard view, which is the view you see when you first log in. Just click on pay/transfer and use the dropdowns to quickly make a payment to one of the recipients you’ve already set up.

You can pay any company or a person using online bill pay.

An e-bill is an online version of a paper bill that’s sent directly into your digital banking account, and is offered only by certain companies.

To set up a person in bill pay:

  • Go to pay & transfer and select manage recipients. Choose add recipient and then add a person to pay.
  • Enter the individual’s name, address and phone number.
  • Select the create & view tab.
  • Click the schedule button, select the person’s name from the drop down and then fill in the details: the amount, the account the money will come out of and the date you want the payment to process.
  • Next, select whether it’s a one-time or recurring payment, and make any notes if you choose.
  • Click continue and follow the prompts until you see the success notification.

After you have person set up, you can pay him or her right from the dashboard view, which is the view you see when you first log in. Just click on pay/transfer and use the dropdowns to quickly make a payment.

You can only set up e-bills for billers you’ve already entered as a recipient in pay & transfer. To see which of your billers offer e-bills, select pay & transfer from the dashboard and click on the manage e-bills tab. Select add e-billers and the dropdown menu will show the companies you pay that have e-bills available.

Once e-bills are activated (which may take up to 60 days), you’ll be able to see the statement within digital banking, and you can set up rules to automatically pay the bill.

In TCF digital banking, select pay & transfer and then the create & view tab. Choose the create option and follow the prompts onscreen.

When you schedule a transfer, you choose the day you want the funds to transfer from the dates shown in the date field. You can transfer funds immediately or at a future date.

 

If the transfer has not yet processed, you may cancel it or change it. The system will indicate if you can cancel it or not. On the left, you’ll see the status of your transfer – either processed, processing or scheduled. If it’s processed or processing, you can’t change it. If its status is scheduled, click on the transfer in the list view and details will appear, including buttons with the option to delete or change the transfer.

If the payment has not yet processed, you can cancel or change it. If the status is pending or processed, you cannot cancel the payment. If its status is scheduled, click on the payment in the list view and details will appear, including buttons with the option to delete or change the payment.

For e-bills, you have several options for when to have the payment for the bill delivered, including before the due date, on the due date or as soon as you receive the bill within digital banking.

For other payments, you choose when to have the payment delivered. You can schedule the delivery of a payment to happen on a specific day in the future. The payment date field in the calendar will show you the first available date for payment delivery.

Make sure you have enough funds available in your account on the scheduled payment date.

Export allows you to select a file type for downloading your account data. For example, you could export data into a PDF, an Excel file or a specific file type that’s used with accounting software, such as Quicken or QuickBooks.

You can also download a PDF and save an item, such as a bill payment confirmation, a transaction, budget information and more. Under pay & transfer, select the create & view tab, click on the name of the transaction you want to save and click on the button download.

Yes. We have established a Secure Socket Layer (SSL) connection between every mobile device and a secure server, so payments are safely delivered for processing and are not stored on the device.

If you’re trying to find a certain transaction, there are a few ways you can search your data in the pay & transfer section of digital banking.

  • Filter a list.
  • Click on the calendar icon and search by a date range.
  • Search by a check range by entering the start check number and end check number.
  • Search by entering a keyword, including a budget category, amount, name of merchant or other term.
  • Only checking and money market accounts can be used to make bill payments in the pay & transfer feature. Money market accounts have a limit of six transfers and withdrawals, including bill payments, per month or monthly statement period. A fee applies for transfers and withdrawals exceeding this limit.
  • You must be 18 years old or older to enroll in and use bill pay services
  • If you start using digital banking with a U.S. address and change to a non-U.S. address, you’ll be un-enrolled from bill pay.
  • Use of pay & transfer requires a valid U.S. address and payments and transfers can only be made within the U.S., Puerto Rico and the U.S. Virgin Islands.

In digital banking, from the dashboard, select the account you want to view, and choose Show running balance. Your account’s running balance will appear at the right side of each transaction in the desktop view and below each transaction when using a mobile device. You can only see your running balance when one account is being viewed at a time. If you wish to stop seeing it, select Hide running balance.

Please note that your running balance is not your available balance. It is for guidance only and does not reflect available funds. 

Your available balance is the most current record we have of the amount available for you to withdraw from your account. It reflects deposits and withdrawals that have posted to your account, subtracts funds not yet available and adjusts for pending deposits and withdrawals.

Your running balance is for informational purposes only, listing transactions that were processed to your account on a particular day. The transactions may not process in the order shown. Running balance is not used to determine overdraft fees and is not adjusted to show your historical available balance.

You can create and save a template of payments. This is ideal if you pay the same bills each month and prefer to do so manually (not recurring). Before you can use this function, you need to set up the recipients you want to pay. Once recipients are set up, go to the pay & transfer tab.

  • Select pay multiple.
  • Select the recipient, the account you want to fund the payment, the date and the amount of the bill. From the dropdown menu, select save as new template, name the template and select save.
  • The next time you go to pay multiple, you can select the saved template and pay those recipients more quickly.

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