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BGPay is a new BillPay platform that will replace our existing BillPay systems, and offer more features and value to our customers. By utilizing payment rails, the new system will be capable of sending money domestically to anyone, whenever and wherever you want.
BGPay maintains all of the same bill pay features you know and love, but also gives you access to additional features like Pay a Person (Person to Person) payments, and Transfer Money (Account to Account) transfers.
To get started with BGPay, Log in to your online banking portal, then navigate to the BGPay tab. You will see three tabs: Pay a Bill, Pay a Person, and Transfer Money.
Pay a Bill allows you to issue payments to billers the same way our prior BillPay system worked. Pay a Person is a new feature that supports sending money to friends & family directly, and Transfer Money provides the ability to link you BankGloucester account with other external bank accounts. More details on these features are available below.
Please note that users must have an active BankGloucester checking account to use this service.
Pay a Bill gives users the option to make one time bill payments, schedule payments in advance, or set up a recurring transaction. You can also set up email & text alerts regarding upcoming bills and payment status.
Our BillPay menus will look a little different after we implement the new system, see below for details. Your monthly statements and online banking transactions will reflect transactions as the Biller’s name. (Example: Verizon).
To get started, tap or click the “Add Biller” button. Type in the name of the biller you want to add.
BGPay will populate a list of registered vendors below. Many popular billers such as Verizon or Comcast (Xfinity) can be linked directly by logging into your online account and authorizing the connection with BGPay.
Often these billers are also available for eBills, meaning that you can choose to receive your bills directly through BGPay. This allows you to view and pay all of your eBills in one place, without the need to remember account or invoice numbers!
If your vendor is not listed, you can select “Add Manually” to enter the biller information directly. This method will require you to have your account number with the biller. If you do not have your account number, you may enter the biller using their mailing address.
This new feature introduced by BGPay works similarly to Venmo or Zelle, allowing you to send payments to friends, family, or businesses. To get started with P2P payments, go to the BGPay dashboard and click the “Pay a Person” tab.
Instead of entering all of the billers information to add them to your list, all you need is the recipients name, and their phone number or email address.
When a payment is requested to be sent via BGPay, the recipient will simply receive a message by email or text advising them of a pending payment. They can choose to receive it as a deposit to their ACH or Debit Card. There is no need for them to have or download any specific app.
An additional security measure BGPay offers is the option to include a custom security question. The intended payee would then be required to provide the correct answer before receiving the funds. Both the sender and recipient will be notified when the payment has been sent, and when it is delivered. Transfers may be set up as a one-time payment or as a recurring transaction.
The “Transfer Money” feature of BGPay allows you to transfer money between internal and external accounts quickly and securely. Transfer money to and from checking, savings, and money market accounts at other financial institutions. Transfers must involve one internal account.
Transfers to external accounts may be subject to holding periods per the receiving bank’s policies. For all transfers initiated before the cut-off time, funds will be sent the following business day electronically.
Note: You should never use Transfer Money to send funds to an account that you do not own, and never use it to send funds to another person (use Pay a Person to do this).
To get started, navigate to the Transfer Money tab, then select “Add External Account”. BankGloucester uses Plaid to verify and connect to your external bank accounts. Simply find and select your bank to sign in with your online banking credentials, and confirm the connection.
If you aren’t able to find your bank, or you prefer to not provide your credentials, you can also verify an account manually through microtransactions.
To do so, scroll to the bottom and select the “Link with Account Numbers” option to enter the routing and account number you would like to add. Over the next few business days, a series of microtransactions will be made to the account. Verify the transaction amounts to complete verification.
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