Bill Pay Upgrade FAQs

Will I see any changes following the upgrade?

Yes. The major difference is in the scheduling of payments. Prior to the upgrade, you use a Due Date model; after upgrade, it will be a Send On model.

In the Due Date model, you select the date the payment is due. From this, IC calculates when to begin processing the payment so it will arrive on the due date.

In the Send On model, you choose the date on which a payment will be sent. This is the day IC begins processing the payment, and therefore funds need to be available.

Will I see see all historical payments after the upgrade?

Yes. All historical and scheduled payments will be converted. IC will retain 2 years for historical payments.

How is the Due Date Calculated?

For all historical payments (excluding those in scheduled status), the Due Date will be set to Send On date.

For the payments in scheduled status the Due Date will be calculated based on the original Send On date and type of the payment – electronic or check. For electronic payments, the Due Date will be set to original schedule date + 1 business day. For check payments, the Due Date will be set to original scheduled date + 3 business days. With this logic, the payment will begin processing after the upgrade on the same day it would have been processed prior to.

What will happen to recurring payments?

Recurring payments will be adjusted to reflect the Send On model. All scheduled payments, including scheduled payments for a recurring rule, will be converted to the Send On model. Future payments for existing recurring rules will also be updated to reflect the Send On model. The Send On date for the recurring rule will be calculated based on the payment date of the next payment.

After the upgrade, why don’t I see my recurring payment appear in the list of pending payments?

One major difference between the Due Date and Send On model is the spawning of recurring payments. In the Due Date model, only those recurring payments within the next 30 days appear in the Pending Payment list. For a weekly payment, 4 payments will be present. For a monthly payment, the next payment will almost always be displayed. For an annual payment, it will be displayed 30 days prior to the due date.

In the Send On model, the next recurring payment always appears in the Pending Payments list - even if it is an annual payment.

Can a recurring payment be scheduled for a Saturday, Sunday or holiday?

Yes and No. The recurring rule can be set up to start for a non-business day; however, the payments generated for this rule will be scheduled for a business day.

For the Send On model, a recurring payment that would fall on a non-business day will be scheduled on the next business day. When the recurring rule is set up, you will be informed of this behavior. Only a single payment of the recurring rule is modified to be due on a previous business day, the rest of the payments will continue as scheduled.

How is the duration of a recurring payment identified?

Recurring payments can be established for a defined or an unlimited time period. In the Due Date model, you identify the number of payments in the recurring rule. Leaving the number of payments blank is the same as setting the rule to continue indefinitely. Note, after the upgrade, any payments with an end date beyond 2037, will be modified to reflect 2037. You can modify this as needed.

In the Send On model, you can specify the end on date or choose payments to continue indefinitely.

What happens if a recurring payment falls on a weekend of non-business day?

In the Send On date model, payments begin processing on the next business day (i.e. Monday).

In the Due Date model, payments with a due date over the weekend will be adjusted to a due date of the last business day prior to the weekend (i.e. Friday).

For payment processing, what does the institution need to know?

After the upgrade, for all schedule payments, the payee lead days will now be set to 2 days for electronic payments and 5 days for check payments.

Additional Changes

The Send On date model calendar (below) has two pointers - Send On and Deliver By.

The Due Date model calendar (below) has only one pointer - Deliver By.

You will notice a few changes on the Bill Payer service page. Below is the Send On date model service page showing the highlighted changes; the second picture shows the Due Date model.

Send On Model - New Method


Due Date Model - Current Method


Automatic Payments Options - Terminology You Should Know

Due Date Model - Current Method


Send On Model - New Method

If you have additional questions, please contact Member Services at 800.262.1001.



Proud member of

ncua EHL

You are leaving ICFCU

By clicking Continue, you will be taken to a website that is not affiliated with ICFCU. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of ICFCU's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of ICFCU.


Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...


Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of ICFCU Group.