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Bill Pay

Pay no monthly fees for this convenient service.

Ease and Convenience, With no Monthly Fee

The convenient Star One Bill Pay service inside Online Banking makes managing and paying all your bills within the USA so easy—and it's free!

Most payments are made electronically, but checks are issued in certain cases. In either case, you can sit back and relax. Payments are made in one of three ways:

  1. Electronically (ACH)
  2. Direct Check (drawn from the member's account)
  3. Trust Check (check drawn from payment service's account after debiting member's account)

Simply log into Online Banking and click on the "Pay Bills" tab to get started. Make sure that your browser accepts third-party cookies.

The maximum dollar amount you may pay using Bill Pay is $99,999.00.

E-bills

You may set up E-bills with certain billers. If you set up an E-Bill in "Click and Pay" status, be sure to click on the Bill Due icon to pay your bill . Otherwise your E-bill will appear as not paid, even though you have sent your biller the required funds.

Prohibited payments

Payments to payees outside of the United States or its territories are prohibited.

View the Bill Payment Service Agreement.

Our "Pay Anyone" model lets you make payments to anybody you choose. However, we do not recommend that you use Bill Pay to pay the following:

  • Star One Credit Union
    We do not recommend that you pay your Star One loans using Bill Pay. Please use the "Make a transfer" button in Online Banking instead. Current automatic debits and "5th of the month transfers" should not be changed (doing so may increase the Annual Percentage Rate paid on your loan). If you are currently making coupon payments and would like to change to automatic payments, please contact our loan department.
  • The California DMV or any other government agencies
    We do not recommend that you use Bill Pay to make payments to the DMV or (any other government agencies). The DMV will not provide information to third parties (this includes Star One and bill-pay services). If you schedule such payments through Bill Pay, Star One Credit Union is not liable for any resulting claims or damages. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not of the Credit Union.
  • Tax or court-ordered payments
    We do not recommend that you make tax payments or court-ordered payments using Bill Pay. If you schedule such payments through Bill Pay, Star One Credit Union is not liable for any resulting claims or damages. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not of the Credit Union.
  • Any payee that requires proof of payment on a recurring basis
    Most payments are made electronically. As a result it is difficult to provide proof of payment for certain payees. In these cases it is best to write a personal check.

Star One recommends that you schedule your payments several days in advance of the due date on your bill.

The earliest available pay date is displayed in the calendar widget.

To determine the earliest payment date for each biller, click on the calendar widget. A dynamic calendar will display, highlighting the available payment dates in blue text.

Scheduled payment dates should be prior to any late date or grace period.  Do not include grace periods in scheduling your bills.

Electronic payments and Trust Checks are to be debited from your account on the scheduled due date.

Direct Checks will not debit your account until the check has been deposited by the payee. You may view Direct Checks in Online Banking, however, you will not be able to view Trust Checks.

To determine your payment type, click on the "View Payment History" link. It will display a table that shows your current payments. Click on the "Magnifying Glass" at the right of the chosen payment. Here you will find the delivered by date and delivery type (Electronic or Check).

Direct Checks have a 6-digit check number that begins with 99.

Trust Checks have 7-digit check numbers or larger.

Star One Credit Union cannot guarantee that payees will credit funds received on your scheduled payment date.

For this reason, we recommend that you schedule your payments several days in advance of the due date on your bill.

The Credit Union will bear responsibility for any late-payment-related charges up to $50.00 if a payment posts after its due date, as long as the payment was scheduled in accordance with the guidelines described under "How to avoid paying late" above.

Responsibility for paying the maximum $50 late fee or finance charge penalty:
Reason for Late Payment Star One Member
Lost yes no
Not sent as scheduled yes no
Sent to wrong location yes no
U.S. Mail delay yes no
Undetermined yes no
Posting delay by Payee yes no
Scheduled incorrect number of days prior to Due Date (included grace period) no yes
Scheduled incorrectly no yes
Incorrect Payee information provided by member no yes
Payment to Payee outside of the U.S. no yes

The Credit Union shall incur no liability if we are unable to complete any payments because:

  1. There are insufficient funds available in your checking account, or the transaction would exceed the limit of your overdraft coverage;
  2. The payment processing center is not working properly and you know or have been advised by the Credit Union about the malfunction before you execute the transaction;
  3. You have not provided the Credit Union with the correct Payment Account information;
  4. You scheduled a prohibited payment (a payee outside of the United States or its territories);
  5. Circumstances beyond control of the Credit Union.

If we are unable to complete the transaction for any reason associated with your payment account, the transaction will not be completed. You may receive a return notice from the Credit Union. In such case, you agree that:

  1. You will reimburse the Credit Union the transaction amount;
  2. You will reimburse the Credit Union for any fees imposed as a result of the return;
  3. You will reimburse the Credit Union for any fees it incurs in attempting to collect the amount of the return from you; and,
  4. The Credit Union is authorized to report the facts concerning the return to any credit reporting agency.

Your Bill Pay account may be frozen if you have insufficient funds available in your checking account. You will receive a written and e-mail notice from our Bill Pay vendor.

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