Available Now!  "AnyTimeLender"  

* Apply for consumer loans from the comfort of your home.  

* Customers can apply 24 hours a day.

Available Now!  INTERNET BANKING

Internet Banking allows you to securely access all of your accounts 24 hours a day from anywhere.  With Internet Banking, you can see what checks have cleared, print check images, schedule payments and transfer money.  You can also send secure messages to The West Michigan Savings Bank personnel by using the Secure Forms feature.

Frequently Asked Bill Pay Questions

Q: Is there a set-up fee or monthly charge for Bill Pay?
A: No. The West Michigan Savings Bank offers Bill Pay for FREE!

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram below.

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly, monthly, quarterly, semi-annually, or annually recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy!

The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration. Once your registration is approved, you will receive a welcome email from Metavante (our bill payment service provider), usually within 24 - 48 hours.
Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: You can create this report in the View Payments section by scrolling down to Payee Filter and changing the dates and selecting a payee.

Q: Can I use electronic bill payment with all my accounts?
A: No, only one designated checking account can be used for bill payment purposes.

Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Is there a limit to the number of bill payment checking accounts I can set-up?
A: Yes, you are limited to one bill payment checking account.

Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or a bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.

Q: How is my account debited?
A: Your account is debited via ACH.

Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee.

Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.

 Return to Q&A

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Day 1
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Day 4 Day 10	within	within	within
	* Please set up payment 10 days prior to payment due date. Allow a 2-day delay for new payees.

The following features may be assessed against your account and the following transaction limitations, if any, apply to your account.

WMSB Bill Pay Stop Payment	$ 30.00
Amortization schedule	$ 10.00
ATM card/Debit card	N/C
ATM card/Debit replacement card	$ 5.00
Cashiers checks/drafts
Customer	$ 2.00
Non-Customer up to $1,000 only	$ 5.00
Certified checks	$10.00
Collection items	$10.00
Counter checks	$.25 @
Coupons deposited	$20.00
Customer research
Up to ten items	$2.00 @
Over ten items	$25.00 per hr
Statement request	$5.00
Statement (activity)	$2.00
Escheating/Ascheating recovery	$10.00
Fax Service (first page)	$3.00
Each additional page	$1.00
Garnishment	$50.00
Levy/state tax warrant	$50.00
Money orders / Customers	$2.00
Money orders/ Non-Customer up to $1000	$2.00
Night deposit/lock bag (annual)	$15.00
Photocopies	$.50 @
Traveler's checks
Customers	N/C
Non-Customer per $100 up to $1000	$2.00
Wire transfers/incoming
Customer	$10.00
Wire transfers/outgoing
Customer	$20.00
Wire transfer/international	$35.00
Zipper bags (first one free to business customers)	$5.00