When it comes to paying bills, convenience is important—but security is essential. If you’re looking for a way to streamline your finances without sacrificing safety, Bill Pay can help. More than just a time-saver, Bill Pay offers significant security advantages to help protect your money and personal information. Here are the key security benefits of using Bill Pay, and why it’s a smart move for your financial peace of mind.

How Does Bill Pay Work?

Before we discuss the benefits of Bill Pay, it’s important to understand how it works. Bill Pay lets you manage your payments directly from your checking account through Online Banking or a Mobile Banking App. Instead of writing out your own checks or visiting multiple websites, you can schedule one-time or recurring payments to pay your bills—like utilities, credit cards, loans and more—all in one place.

You simply search for the company you want to pay, enter the account number, amount you want to pay and due date and we’ll take care of the rest. Payments will either be sent out via check or electronic payment depending on the options the payee provides. If electronic payment is an option, it will be paid that way. If electronic payment is not an option, a check will be sent to the payee.

Minimizes Exposure to Scams and Phishing Attempts

When you use Bill Pay, you’re reducing your need to visit multiple third-party websites to pay bills. That means fewer chances of clicking a fraudulent link or entering your info on a fake site.

Bill Pay centralizes your payments, so you know exactly where your money is going—no need to juggle logins, remember multiple passwords or question whether a link in an email is legitimate. Less exposure equals fewer opportunities for scams to sneak in.

Trackable and Transparent Payment History

One of the best security features of Bill Pay is its built-in tracking. Every payment you make is logged with a timestamp, recipient, amount, and payment method. If something goes wrong—like a payment not being received—you have a full record you can reference and share.

This transparency helps you monitor your accounts closely and act quickly if something doesn’t look right. You’re also less likely to miss payments, which helps you avoid late fees and protects your credit score.

Set It and Forget It

With Bill Pay, you can set up recurring payments for regular bills like your mortgage, auto loan or utilities. This reduces the chance of forgetting a due date and scrambling to pay at the last minute. It also lowers the risk of accidentally submitting payments through insecure channels.

Bill Pay is more than just an easy way to manage your monthly expenses—it’s a secure tool that keeps your financial life protected. By relying less on physical checks, minimizing scam exposure and providing encrypted transactions, Bill Pay gives you peace of mind while helping you stay on top of your finances.

If you’re ready to simplify and secure your bill payments, log in to Online Banking or our Mobile Banking App to enroll in Bill Pay today.