|Frequently Asked Questions (FAQ)
Bill Payment is a service that allows you to have money sent from your checking account to almost anyone. We call the service Bill Payment because paying bills is the most popular use of this internet payment service. But you can even send money to your kids away at college, or send a gift of money to someone across the country. You set up the information about who you want paid once, and then never have to worry about taking the time to address an envelope, buy a stamp, or make a trip to mailbox.
You will need to have access to Badger Bank's internet banking service and have a Badger Bank checking account. There is an Internet Bill Payment Agreement for you to read, sign, and return it to the bank. When we receive your signed Agreement you will have a "Bill Payment" button appear when you Log On to online banking.
If you are not a current internet banking customer, you will also need a password. You can use your Telebanc password, or contact your nearest bank location or call 1-920-563-2478 to ask for one.
You will also need Internet access using Internet Explorer 6.0 or greater or Netscape Communicator 6.1 or greater with 128-bit strong encryption. If you need to upgrade your browser, you can do that now: or
For best results, your screen resolution should be set to 800 x 600 resolution.
Before you begin, read the Disclosures and Agreement. To access internet banking, click on the Log In button found on the Badger Bank homepage or throughout this website.
You will then see a "First Time Users" button for you to use. Complete the information as requested on the screen:
||This is one of your account numbers.
the type of account that your are using as your Access ID. If you entered your checking account number in the Access ID, then select "Checking".
||Enter the temporary password you received from Badger Bank
After choosing "Submit", you will then be asked to change your password. The bank will not know the password you choose, so you must carefully protect and remember it. You may choose to change your Access ID at this time; joint account owners will be required to have different Access IDs. Letters or numbers are allowed and a combination of both is encouraged. However, because characters are case sensitive, you must use the same capitalization each time. (Check if your "Caps Lock" button is activated or not!)
After this First Time entry to online banking, you will simply Log In using your Access ID and your new password.
The server that stores your Badger Bank account information uses Secure Sockets Layer protocol (SSL). This security encrypts the data sent making it difficult to see your information. In other words, your information is sent in a scrambled format. To ensure that the information is being sent from a secure server, the address will start with https:// rather than http:// and you will notice that you are receiving the information from an SSL server securely if you see a closed padlock at the bottom of your screen like this:
Using 128-bit encryption technology scrambling your information, it would take a computer dedicated to doing nothing else many years to unscramble. We strongly encourage Internet Explorer users to use the 128-bit high encryption pack option for the strongest security available. Internet Explorer High Encryption Pack is available for download now. Netscape users must use Netscape Communicator 6.1 or greater with 128-bit encryption to access online banking.
Netscape Navigator 2.0 and 3.0 display a broken key icon when on a site that doesn't require encryption and a solid key appears when the site is secure. However, Netscape users of online banking must use Netscape Communicator 6.1 or greater with 128-bit encryption, so you should upgrade your browser if you do not see a closed padlock.
Bill Payment allows you to pay virtually any business or individual in
the United States. The only types of payments that are not allowed are
tax payments and court ordered payments.
You can set up a one time payment to your nephew as a birthday gift or to your mechanic for a car repair, for example. Or choose to set up regularly scheduled payments to an individual (like a babysitter for child care), or a business (like a rental agency for your rent).
After you Log On to online banking, click on the "My Accounts" button, then click on the checking account number from which we will be paying your bills. After the bank receives your signed Agreement, you will see a "Bill Payment" button to give you access to Bill Payment. This screen will show your Scheduled Payments that have been set up. To set up a new payment, click on "Setup New Payment" toward the bottom of the page. Have a copy of your bill available when you setup a new payment. The screen will indicate the information we need to ensure that your payment is made correctly and on time. This is the information you will need to set up a payment; the required information is indicated by an asterisk (*):
|Payee*||Enter the name of the person, business, or not-for-profit entity that you would like to pay.|
|Address, City, State, and Zip*
||Enter the mailing address to which we should send your funds.
||Enter the phone number of the person, business, or not-for-profit entity that you would like to be paid.
|| If your payment should be directed to a specific contact or department, you may indicate that in the contact space.
||Enter any payment amount which can be covered by the available balance in your account.
|| Indicate the date that Badger Bank should send your payment.
Please note that you must give at least five (5) business days'
notice to ensure your payment will arrive in time. (see "How much
notice does the bank need to send the payment?").
|| Choose to send a payment on a specific date (On Demand)
or on a regular frequency. Scheduling options include monthly,
quarterly, semi-annually, annually, weekly, bi-weekly, or
|Number of remaining payments
||If you would like to make the payments on a regular basis,
enter how many more times the bank should send a payment.
||The description will default to read: "Payment to
(payee's name)". You may choose to edit this to a short
description which will appear in the description on your statement.
|Account Number with Payee
||Enter an Account Number for your Payee if one is available.
Click on the "Add Payment" button and Badger Bank will begin processing payments received before 6:00 p.m. CST on any business day. Be sure to allow at least five business days for your payment to be received by your Payee (see "How much notice does the bank need to send the payment?").
Your Payee information will stay in your Scheduled Payments for at least one year after the last payment was sent. Once you set up a Payee, you can use that information to make more payments by editing the payment instructions.
All owners on a joint account will have access to Bill Payment and will need to sign the Agreement. Owners of an account will need to sign on to online banking with their own Password and Access ID.
Automatic debits between your account or from your account to someone outside of the bank are the most cost effective and efficient way to transfer your money. There is no charge for using ACH (Automatic Clearing House) to automatically make payments to the utility or phone company, for example. If automatic withdrawal from your checking account is available from your service provider to pay your bill, you should choose that method before Bill Payment.
The Badger Bank Bill Payment Service is free at the present time.
You will see your payments scheduled to be paid as soon as you complete the "Setup New Payment". The funds are taken out of your account on the date you requested the payment be initiated. You can expect your Payee, or recipient of the funds, to receive your payment approximately five (5) business days later.
You may edit the amount, date, frequency, number of remaining payments, description, and account number by clicking on the name of the Payee on any pending payment.
A payment that has reached the Payment Date cannot be cancelled. See your Internet Bill Payment Agreement for more details.
You may set up a payment request up to one year in advance of the date you would like the bank to begin initiating the payment. However, please allow at least five (5) business days before the due date for payments to be made. Using a calendar, note your payment due date (not including any grace period), count backward at least five (5) business days (skip holidays and weekends). The cut-off time for the business day is 6:00 p.m. C.S.T. so if you're setting the payment up after this time add one extra day.
After you initiate your payment instructions, the bank will begin processing the payment on the next business day. The funds will be withdrawn from your account and the transfer process will begin. Because most vendors will need to have a check mailed to them, you can expect your Payee to receive your funds by the fifth business day after you initiated the payment.
Some vendors take longer to process payments that do not use the return envelope or remittance stub they provided with their bill. In these situations you will need to initiate your payment earlier to ensure a timely payment. These Payees may require an extra seven (7) business days or more to process these payments. We suggest you read your account agreements provided by your vendors or contact them for details to determine your payment initiation date.
The available balance in your checking account will automatically be checked before a payment is sent. The payment will not be sent until there is enough money in your account. If there is not enough money in the account for the payment, your account will be checked each business day until there are sufficient funds to complete the payment. To ensure your payment does not arrive late, it is important that the funds be available on the Payment Date.
The only record of whether your payment was sent as scheduled will be your current account statement. You are responsible for verifying the payment was completed as instructed. For more information, refer to your Bill Payment Agreement.
You can set up a payment to anyone, any business, or any not-for-profit organization within the United States (except tax payments and court ordered payments) using online banking. The chart below describes the Bill Payment process.
- Day 0 (Payment Date)
Payment is initiated on online banking prior to 6:00 pm CST. Money is removed from your checking account.
- Day 1
The next business day after payment was initiated. Paper check is printed and mailed from Badger Bank via US Postal Service.
- Day 2
The second business day after payment was initiated.
- Day 3
The third business day after payment was initiated.
- Day 4
The forth business day after payment was initiated.
- Day 5
The Payee receives the payment of paper check per your Bill Payment request