HandyNet® Internet Bill Pay Frequently
Asked Questions
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We've
assembled answers to the
questions we are asked
most frequently regarding
HandyNet®
Internet Bill Pay. Select
from the questions below
to find what you need.
If
your question is not answered
here, please feel free
to email questions to our
HandyNet®
customer service representatives
at service@hancockbank.com
or call us through HandyCall:
-
In
Mississippi, (800)
448-8812
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In
Louisiana, (800) 256-4636
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In
Florida, (800) 726-0920
- In
Alabama, (866) 744-8801
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| HandyNet®
Internet Bill
Pay, General |
| Q: |
What
is HandyNet®
Internet Bill
Pay? |
| A:
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Internet
bill pay allows
users to schedule
bill payments
through a secure
web-site as opposed
to physically
writing a check
and mailing it
to the merchant.
At the scheduled
payment date,
HandyNet®
internet bill
pay will then
pay bills on
your behalf through
either a check
or electronic
debit from your
account. |
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| Q: |
How
much does HandyNet®
Internet Bill
Pay cost? |
| A: |
Hancock
Bank provides
the Internet
Bill Pay
service
to our customers
at no charge
as long
as you make
at least
one (1)
payment
each month.**
**Hancock
Bank reserves
the right
to assess
a fee of
$4.95 for
each month
of non-use.
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| Q: |
Is
HandyNet®
Internet Bill
Pay available
to everyone? |
| A: |
HandyNet®
Internet Bill
Pay is available
to Hancock Bank
customers who
have a personal
checking account
AND are
enrolled for
HandyNet®
Online Banking.
It is also available
to customers
who have Free
Business Checking
with Bill Pay
account AND
are enrolled
in HandyNet®
Online Banking. |
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| Q: |
Where
do I go to get
help with HandyNet®
Internet Bill
Pay? |
| A: |
On
the HandyNet®
Online Banking
site, select
the "Help"
tab from
the menu.
A separate
browser
with the
Help page
will load.
Select the
appropriate
bill pay
topic from
the Help
menu. Each
bill pay
tab has
it's own
Help topic:
Control
Center,
Make A Payment,
or Payment
History.
If
you need
personal
assistance,
just call
your trusty
HandyCall
Customer
Service
representative
and ask
for online
banking
& internet
bill pay
support:
- In
Mississippi,
(800)
448-8812
- In
Louisiana,
(800)
256-4636
- In
Florida,
(800)
726-0920
- In
Alabama,
(866)
744-8801
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| HandyNet®
Internet Bill
Pay Registration |
| Q: |
I'm
a HandyNet®
Online Banking
customer, how
do I sign up
for HandyNet®
Internet Bill
Pay? |
| A: |
Signing
up for HandyNet®
Internet
Bill Pay
is fast
and easy,
all you
need is
a personal
checking
account
with Hancock
Bank and
an active
online banking
profile.
Simply sign
on to HandyNet®
Online Banking
and select
the "Pay
Bills"
tab. If
you're not
already
enrolled
a an Internet
Bill Pay
customer,
you will
be presented
with a Bill
Pay Enrollment
prompt where
you will
be asked
for certain
personal
information
(your name,
address
and telephone
numbers)
to confirm
your identity.
You'll then
be asked
to select
the checking
account
to which
you would
like the
$4.95 non-usage
fee applied.
Keep in
mind that
you can
avoid paying
any fee
for HandyNet®
Internet
Bill Pay
by making
a minimum
of one payment
per calendar
month using
the system.
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| Q: |
I'm
not registered
for HandyNet®
Online Banking
, can I sign
up for HandyNet®
Internet Bill
Pay? |
| A: |
Since
HandyNet®
Internet Bill
Pay is now part
of HandyNet®
online banking,
you'll need to
start by registering
for HandyNet®
online banking.
Not to worry,
it's a quick
and straightforward
task. Just visit
the HandyNet®
registration
page and
complete the
registration
process.
Once
you've registered
for HandyNet®
online banking
and you've
received
your online
banking
user ID,
you can
sign up
for bill
pay. Simply
sign on
to HandyNet®
Online Banking
and select
the "Pay
Bills"
tab. If
you're not
already
enrolled
a an Internet
Bill Pay
customer,
you will
be presented
with a Bill
Pay Enrollment
prompt where
you will
be asked
for certain
personal
information
(your name,
address
and telephone
numbers)
to confirm
your identity.
You'll then
be asked
to select
the checking
account
to which
you would
like the
$4.95 non-usage
fee applied.
Keep in
mind that
you can
avoid paying
any fee
for HandyNet®
Internet
Bill Pay
by making
a minimum
of one payment
per calendar
month using
the system.
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| Q: |
How
do I cancel HandyNet®
Internet Bill
Pay? |
| A: |
If
you find that
HandyNet®
Internet Bill
Pay isn't right
for you, just
contact online
banking &
internet bill
pay customer
service and ask
to cancel. Our
customer service
professionals
will cancel your
bill pay and
your bill pay
profile will
be closed.
Keep
in mind
that, once
your profile
is closed,
all payment
instructions
for any
outstanding
scheduled
and/or recurring
payments
will be
deleted
and all
merchant
data in
your bill
pay profile
will be
lost so,
if you change
your mind
and decide
that you
miss the
convenience
of HandyNet®
Internet
Bill Pay,
you'll need
to re-establish
all of your
payment
information
after re-registering.
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| Using
HandyNet®
Internet Bill
Pay for Your
Accounts |
| Q: |
How
does HandyNet®
Internet Bill
Pay work? |
| A: |
HandyNet®
Internet Bill
Pay creates a
profile of all
your eligible
personal checking
accounts when
you enroll. When
you log-on to
pay bills, the
balance for each
checking account
in your profile
gets updated.
This allows you
to select from
any of your checking
accounts when
making a payment.
Depending
on the merchant/payee,
your scheduled
payment
will be
made by
check or
electronically
via ACH
(automated
clearing
house).
When scheduling
payments,
be sure
to choose
a payment
due date
several
days in
advance
of the actual
due date
reflected
on your
bill statement.
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| Q: |
I
scheduled a payment
and it wasn't
paid or the payment
arrived late
and I was assessed
a late fee. What
do I do? |
| A: |
First, rest assured
that this is
not a common
occurrence and,
usually, such
situations are
rectified quickly
and any late
fees are reversed.
Just
contact
our online
banking
& internet
bill pay
customer
service
and a representative
will immediately
begin researching
the situation.
Hancock
Bank will
then work
with our
bill pay
partner
and the
merchant
to determine
what happened
and to address
the situation.
Please
refer to
the Terms
of Conditions
for the
Internet
Bill Pay
Service
for more
detail pertaining
to payment
disputes.
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| Q: |
Do
I have to log
in to HandyNet®
Online Banking
in order to access
HandyNet®
Internet Bill
Pay? |
| A: |
Yes, now that
HandyNet®
Internet Bill
Pay is accessible
through HandyNet®
Online Banking,
you must sign
on to Online
Banking in order
to be able to
pay bills. But
with a single
sign-on for both
Bill Pay and
Online Banking,
you only have
to sign on once
and can quickly
check your account
balances to ensure
that you have
the funds necessary
for the payments
you're making. |
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| Q: |
When
are funds taken
from my account
to complete my
Internet Bill
Pay transactions? |
| A: |
Funds
will be debited
from your account
on the "process"
date. What that
means to you
is if your merchant
only accepts
check payments
(indicated on
your bill payment
screen by an
envelope), funds
will be deducted
from your account
five days prior
to the scheduled
payment date.
If your merchant
accepts electronic
payments (indicated
on your bill
payment screen
by a lightning
bolt), funds
will be deducted
from your account
two days prior
to the scheduled
payment date. |
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| Q: |
What
happens
to my Internet
Bill Payment
if I don't
have enough
money in
my account
to cover
the payment?
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| A: |
If there is an
insufficient
amount of funds
in your account
to cover a scheduled
payment, the
payment will
not be made and
the notice you
receive after
each payment
is attempted
will indicate
that the payment
attempt was unsuccessful.
For payments
to merchants/payees
that only accept
check payments,
we make one attempt
to honor your
request. For
payments to merchants/payees
that accept electronic
payments (indicated
on your bill
payment screen
by a lightning
bolt), we will
make three attempts
to honor the
payment request.
Please remember
you are ultimately
responsible for
periodically
verifying that
your payment
requests were
processed and
completed. Now
that HandyNet®
Internet Bill
Pay is accessible
through HandyNet®
Online Banking,
it's easier than
ever to verify
your payments
and monitor your
accounts. |
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