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Online Bill Pay

Online Bill Pay

Click here to watch this online video that explains how easy online bill payment can be.

CheckFree Customer Service


What is CheckFree Bill Pay?

CheckFree Bill Pay lets you pay your bills online through F&M Bank and Trust Co. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

Quick Facts about CheckFree Bill Pay

  • You can pay all of your bills at the Payment Center. You can also see a summary of your recent and pending payments.
  • You can receive some of your bills online in CheckFree Bill Pay. You can view and pay these bills at the Payment Center.
  • You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
  • You can review your bills and payments for the past 24 months. You can also export your payment information to a comma-separated values (CSV) file.

How does CheckFree Bill Pay work?

To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.

After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you’ve added in CheckFree Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

Tip: When you enter an amount, CheckFree Bill Pay automatically displays the earliest date the biller will receive the payment. You can accept this date or change it.

You can pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

  • The Pending Payments section provides a quick summary of the payments that have not been processed yet.
  • The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.

If you can’t find a payment in the Recent Payments section, go to Payment Activity, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.

How secure is my bill payment and personal information?

CheckFree Bill Pay uses several methods to ensure that your information is secure.

  • User Name and Password-Your user name and password are unique identifiers that only you know. As long as you don’t share your user name and password with anyone, no one can sign in to CheckFree Bill Pay as you.
  • SSL-CheckFree Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
  • Encryption-CheckFree Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out-CheckFree Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in CheckFree Bill Pay.

Which browsers should I use to access CheckFree Bill Pay?

We support the latest versions of these browsers:

  • Microsoft Internet Explorer
  • Mozilla Firefox
  • Apple Safari
  • Google Chrome


While other browsers may work with CheckFree Bill Pay, these browsers provide the highest level of security and functionality.

We also recommend that you enable JavaScript in your browser. JavaScript is required for certain CheckFree Bill Pay features to function properly.