April 2022
Bill Pay Upgrade
Coming April 21, 2022, we’ll be upgrading to a new bill pay system. The new system will include all of the features you currently use, as well as an improved experience.
You’ll still be able to:
- Pay bills electronically or by check
- Schedule automatic payments
- Access your payment history
Additionally, the new system will:
- Have a deeper integration with our existing site and mobile application for an improved look and user experience. This should also prevent issues due to pop-up blockers and other browser security settings.
- Include eBill, which will allow users to receive bills directly to the bill pay system, where the bills can be paid automatically.
Bill pay access will be disabled beginning April 13, 2022 and will again be available following the upgrade on April 21 or by April 22. Bills scheduled to be paid during this timeframe will be paid, but access to view scheduled payments and to schedule new payments will be unavailable.
Following the upgrade, pre-upgrade history will not be available in the system. Data will be available for payments made after the upgrade. Prior payment history can be retrieved by calling us at (414) 546-7450.
The Upgraded System
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Look and Functions
Download our Getting to Know Guardian Bill Pay document for a look at the general functions of our upgraded bill pay services and how to access them.
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Electronic vs. Check Payment
As with all bill pay solutions, there are occasions when bills cannot be paid electronically. This is based on the payee. When an electronic payment cannot be made, the bill pay service issues a check payment (see below for additional information on check payments).
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Funds Verification
The upgraded system is based on a “funds verification” model. This means that the system will verify and confirm that the necessary funds exist in a member’s account before the payment will be processed.
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Scheduling a Payment
Members will choose a “process date” for the payment. This is the date that funds will be withdrawn from a member’s account. If the bill will be paid electronically, funds will be delivered to the payee on the following business day. If the bill will be paid by check, the check will be mailed on the next business day. The payee will receive payment according to standard USPS delivery timeframes.
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Check Payments
For all bills paid by check, a member’s funds will be withdrawn on the process date and deposited into a settlement account. The mailed check will debit from the settlement account, not the member account. All stop payments will be processed through the bill pay vendor, not through Guardian Credit Union.
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Process and Cut-Off Times for Scheduled Payments
There are two processing times each day – 7:00 a.m. and 2:00 p.m. At 7:00 a.m. the system will process any payments already scheduled for that day. After 7:00 a.m., you have until 2:00 p.m. to schedule a payment to be processed that day, if you are scheduling a payment after 2:00 p.m. then the earliest you can schedule it to be processed will be the next business day.
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