VisionBank of Iowa

Service Notice: All VisionBank locations will be closed on Wednesday, June 19th in observance of the Juneteenth holiday. You can still take care of your banking needs through VisionBank Online, your mobile app, or by stopping by any of our conveniently located ATMs.

Top Questions

How do I get started with Online Bill Pay?

You can access Online Bill Pay for the first time, from either your desktop or mobile device, if you have a VisionBank checking account and are enrolled in VisionBank Online Banking. If you don’t have a VisionBank Online username and password, enroll now to get started. Then, just sign on to VisionBank Online to access Bill Pay.

Which accounts can I use to pay bills online?

To use Online Bill Pay, you must have an eligible VisionBank checking account. You can pay your bills from either your checking account or other eligible accounts.

Whom can I pay with Online Bill Pay?

You can pay almost any company or individual in the U.S. You can pay a company that sends you a bill, like the phone company, or a person or company you owe money to but don't necessarily receive a bill from, like your lawn mowing service.

In addition you can:

  • Set up automatic payments for recurring bills — like mortgage or cable TV.

  • Make one-time payments for bills that differ each month — like the phone or utility bill.

  • Pay your VisionBank credit card and loan accounts online quickly and easily. We’ll even set them up for you automatically when you get started with Bill Pay.

Note: We are unable to support payments to federal, state, local tax agencies, or court-ordered payments.


Online Bill Pay

Is there a charge to use VisionBank Online Bill Pay?

No. There's no additional cost to use Bill Pay.  Please review the fees associated with some of our online services.

How do I add, change, or delete payee information? 

First, sign on to VisionBank Online to access Bill Pay.

Adding a payee: Select Add Payee. You can add a payee manually, browse our list, or search by payee name. Before you get started, it’s helpful to have recent copies of your bills available, since you’ll be asked to verify or enter each payee’s name, address, and account number.

Editing or deleting a payee: Choose the payee you want to change. Select Edit or Delete Payee at the bottom of the payee’s profile, make your changes, and save.


Payments

How far in advance should I schedule an Online Bill Pay payment?

You can schedule a Bill Pay payment up to a year in advance, and at least two to five business days before your payment due date.

The minimum number of days varies by payee. When you’re scheduling payments, look below the Send On date to see how many days to allow for delivery. Sometimes we may need to mail a paper check because a payee can't accept electronic payments. Paper checks are taking over 5 days to reach their destination. You may want to send any check payments earlier to avoid a late fee.

When does VisionBank withdraw the money from my checking account for an Online Bill Pay payment?

We withdraw the money from your checking account on the business day following your payment Send On date. Depending on the payee, your payee will receive the payment within two to five business days.

Why are some payments sent by paper checks? 

Some individuals or companies can’t accept electronic payments, so we mail them a check through the U.S. Postal Service. For that reason, it's important that you provide correct name and address information for all of your payees. If your payment is made by paper check, you’ll find the date the check was cashed on the Payment History screen in Bill Pay.

What happens if I set up a Online Bill Pay payment, but I do not have funds in my checking account? 

If you do not have sufficient funds in your checking account on the date you want us to send the payment, we may make the payment using available Overdraft Protection funds. There is a fee for this situation. If the funding account does not have Overdraft protection, the payment will be cancelled.

How can I avoid late fees or reimbursement charges imposed by payees? 

You must schedule your payment in advance of the payment due date. There will be a delay between the Payment Send On date (the date your payment starts processing) and the date the payee receives your payment. Schedule the payment in accordance with the payment rules displayed on the Make Payment screens.

  • Check payments: Payment Send On date must be at least five business days before the date your payment is due to the payee. Paper checks are taking over 5 days to reach their destination. You may want to send any check payments earlier to avoid a late fee.

  • Electronic payments: Payment Send On date must be at least two business days before the date your payment is due to the payee.

For scheduling purposes, you should count the first business day after your scheduled Payment Send On date as business day one.

VisionBank does not recognize “Grace Periods,” “Late After,” or “Postmarked By” dates when considering the reimbursement of late fees or finance charges.


  1. There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your account(s) that you make Bill Pay payments from.
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