Bill Pay

Frequently Asked Questions

Bill Pay makes it easy to schedule one-time or recurring payments from your SELCO accounts. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere you are.

To enroll in Bill Pay, first log in to online banking and select the “Bill Pay for Other Payments” option from the “Transfers & Payments” drop-down. After reviewing and agreeing to the Terms and Conditions, you can start adding payees and scheduling payments immediately.

Once you’ve enrolled in Bill Pay, you can update existing payments, schedule new ones, and add payees from either the mobile app or online banking. To access Bill Pay in the app, tap the “Bill Pay” tile on the landing page. From online banking, select the “Bill Pay for Other Payments” option from the “Transfers & Payments” drop-down.

All you need is a SELCO account, internet access, and any browser besides Internet Explorer.

Bill Pay is an included feature of your SELCO account.

Previously deleted and inactive payees are currently displaying in mobile banking's available payees dropdown list. We apologize for the confusion and are working with our vendor on a solution. Please note: Deleted and inactive payees do not appear in online banking's "Make a Payment" tab.

We recommend first verifying that the payee name, address, and account number in Bill Pay exactly match what is listed on your bill—even small changes to what the payee has requested may cause your payment to go by check. If this doesn't change your payment type from check to electronic, then the payee currently accepts check payments only.

However, there is a form you can provide to the payee that would let them to convert from check to electronic payments, making it faster and easier for you to send and track payments (and for payees to receive them).

To update the date electronic payments are submitted and physical payments are mailed, follow these steps:

  1. Log in to online banking.
  2. Select the “Bill Pay for Other Payments” option from online banking’s “Transfers & Payments” drop-down.
  3. Choose “Pending Payments” and select the payment you’d like to update by clicking the three dots and then “Edit Payment.”
  4. Update the scheduled payment date using the calendar field.
  5. Click “Submit.”

Please note: Payments scheduled for Saturday, Sunday, or holidays will not be withdrawn until the following business day, so please factor this into your timeline.

We switched to a new Bill Pay processing system in mid-December. The changes are mostly behind the scenes, but for a short time after the transition you’ll be unable to view images of cleared Bill Pay checks. If you need to view a Bill Pay check image during this time, please send us a secure message via online banking or call us at 800-445-4483. We'll be happy to help.

If a check payment isn't deposited within 90 days, the check will be canceled and the refund will be credited back to the account you used to make the payment. You'll receive an email notification after the refund is deposited into your account. 

As of Oct. 1, 2021, the United States Postal Service has extended its standard delivery time for first-class mail. Instead of the current 2-3-day delivery window, some mail—especially mail traveling longer distances—may take up to 4-5 days to arrive. This means that Bill Pay payments sent by mail may need to be scheduled earlier to arrive on time. Bill payments sent electronically will not be affected. For additional information about changes to the USPS delivery schedule, please visit usps.com/newsroom.

Please give us a call at 800-445-4483.

In order to receive a wire transfer into your SELCO account, you’ll need the following information:

  • SELCO’s ABA/Routing number: 323274445
  • SELCO’s information in the “Wire To” address, also referred to as the “Beneficiary Financial Institution” line. You’ll want to use:
    SELCO Community Credit Union
    P.O. Box 7487
    Springfield, OR 97475
    Phone: 800-445-4483
  • In the “Beneficiary” field, include:
    • Your account number
    • The name of the account holder
    • The address listed for the account
  • Any other relevant information can be included in the “Reference” field.

Please note that SELCO does not offer a SWIFT Code or IBAN for international wires.

General Information about Wires

  • Many institutions may be involved in the transfer of foreign currency.
  • Outgoing wire transfer requests received Monday – Friday, before 2:00pm PST, will generally be processed the same day. International U.S. dollar wires requested after 2:00pm PST will be processed the next business day. Foreign exchange wires require more time to process due to exchange rates.
  • Domestic wires can take up to 72 business hours. Foreign exchange wires may take up to 14 calendar days to post.
  • If the full wire transfer amount has not been received on or after 14 calendar days, you can submit a notice of error.

To see our outgoing wire transfer fees, please refer to our Savings Rate and Fee Schedule

Need help completing your request? Contact us today.

An overdraft occurs when your available balance is not enough to cover a transaction but SELCO authorizes and pays for it anyway.

We use your available balance to determine whether there are sufficient funds in your account to cover any transactions. Your available balance is your actual balance minus:

  • Holds placed on deposits.
  • Holds on debit card or other transactions that have been authorized but are not yet posted.
  • Any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders.

Your actual balance reflects all deposits and posted payment transactions. We don’t use your actual balance to determine whether your account contains sufficient funds since it doesn’t reflect checks you’ve written that are still outstanding or transactions that have been authorized but are still pending. 

SELCO’s Standard Courtesy Pay service comes with your checking account and covers overdrafts from checks and other transactions made with your checking account as well as recurring transactions scheduled for payment with your SELCO debit card.

SELCO’s Expanded Courtesy Pay covers overdrafts from ATMs and one-time SELCO debit card transactions. Expanded Courtesy Pay service is available only if you qualify and opt in.

 

Yes, for each account, you'll need to create a unique user ID. If you toggle between multiple accounts in mobile or online banking (for example, between your personal account and your child's youth account), you'll be able to access those accounts as you usually would. However, to create distinct user IDs, you'll need to log in to each account individually.

Just look for the Contactless Symbol at checkout, tap your card on the contactless-enabled terminal, and be on your way. Contactless cards should be held flat (within 1–2 inches) above the Contactless Symbol for 1–2 seconds, until the payment has been accepted.

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