Bill Pay Service FAQ

Click on the links below for answers to frequently asked questions


How do I sign up for Bill Pay Service?

  • Choose the Sign Up For Bill Pay option from the Quick Links section of the JCBank home page. This form allows you to verify appropriate information to request enrollment in Bill Pay Service in a secure environment. Please allow 2 to 4 working days for the packet to reach you via the United States Postal Service.

How do I log in to Bill Pay Service?

  • Choose the Bill Pay Login option from the Online Access section of any page of the site.

How do I contact JCB if I have a question?

  • Bill Pay Service inquiries should be directed to (800) 749-5289 anytime day or night.

Can I make my JCB loan payments via Bill Pay Service?

    JCB loan payments processed via NetBanc afford customized payment options depending upon the loan type. Simply go to the Express Transfer screen within NetBanc and choose the account to be debited from the drop down box at the top of the page. Next to the loan account to be credited, enter the dollar amount of the payment in the white text box and choose the type of payment to be made from the available options in the drop down box next to the payment amount text box. Click the Next button at the bottom of the page to submit the payment. An information verification screen will be displayed. If all information is correct, click the Submit button. A confirmation number will be assigned to the transaction and displayed for you. Please retain the confirmation number.

    Payment options by loan type are as follows:

  • Mortgage Loans – Regular, Principal Only or Escrow Only
  • Home Equity Line of Credit – Regular, Principal Only or Interest Only
  • Consumer Loans – Regular or Principal Only
  • Cashline Loans – Regular or Principal Only

I have forgotten my password. Can you tell me what it is?

  • No, JCB has no knowledge of or access to your password.

How can I regain access to Bill Pay if I have forgotten my password?

  • Go to the Bill Pay login screen. Enter your User ID in the text field. Click the Continue button. You will be taken to the Password screen. Click the link called Forgot Your Password? Follow the directions to change your password and regain access to your account.

Is there a fee for Bill Pay Service?

  • No, the service is offered to personal banking customers at no charge.

What happens if I enroll in Bill Pay Service and do not use it?

  • If Bill Pay Service is not accessed for a period of 6 months, the online account may be closed due to inactivity.

What can I pay electronically?

  • Bill Pay Service can process virtually any payment. Please see NetBanc and Bill Pay Service Terms & Conditions for exclusions. If the payee does not accept electronic payment, Bill Pay Service will overnight a paper draft on your behalf.

Can I pay a bill from my savings account?

  • No, bill payments are not permitted from a savings account.

What is an Expedited Payment?

  • Bill Pay Service offers an option for same day payment processing to select payees. If the payee has entered into an agreement to accept same day payments from Bill Pay Service, a payment may be initiated prior to the daily cut off time as indicated by payee. Typically these payees are those who process a great deal of payment files daily, such as large credit card companies.

How do I know the number of days in advance of the payment due date
to initiate the payment via Bill Pay Service?

  • When payments are scheduled, both the Send On and Deliver By dates are displayed. When the Send On date is entered or changed, the Deliver By date updates to reflect the actual time that the payment will take to post the your payee account.

Where can I find a list of pending bill payments?

  • Upon logging in to Bill Pay Service, the Welcome to Bill Pay screen lists all pending payments along with the Send On, Deliver By, Payee name and Amount information in the Scheduled Payments section in the middle right section of the screen.

How can I change or cancel a pending bill payment?

  • Go to the Payment Center within Bill Pay Service. Locate the payment to be edited or deleted. In order to delete the payment which is scheduled to be processed, simply click on the trash can icon. In order to edit the payment detail, click on the pencil and paper icon. The payment amount and date information can be edited in this way.

Can activity be exported from the Bill Pay System?

  • Yes, if your personal financial software supports an included export format a file can be created and exported directly from Bill Pay. Although JCB cannot support your personal financial software, there are some tips for getting started in the Help section. Information can also be exported into Excel and into your personal financial software from Excel.