Online Banking FAQs

Payments submitted, recurring or one time, before 3:00 AM ET Monday-Friday will be processed at 3:00 AM ET. Payments submitted between 3:00 AM ET and 1:00 PM ET will be processed at 1:00 PM ET. Payments received after 1:00 PM ET on Monday-Thursday will be processed the next business day. Payments received after 1:00 ET on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.

Either by check or electronically. The method that is used depends on how the recipient of the payment is setup to receive payments. When you set up a new payee the system will specify how the payee is setup to receive payments.

If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday before the weekend, or the last working day before the holiday.

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

Yes. You will need to contact your local office for this information.

Payment history for active and deleted payees is retained and viewable 19 months.

For an electronic payment, allow 3 business days from when the payment is submitted. For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 3 am processing. If the check payment is entered before 1:00 ET, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.

Please note that we have no control over the U.S. Postal Service.

Electronic payments are validated against the available account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through Bill Pay. You are limited only by the amount of funds in your account. However, when using the "Pay a Person" option on Bill Pay, transaction amounts are limited as follows according to your myMBC account type:

At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

Only check payments can be stopped after the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

You may add, edit, or delete a payment up to 3:00 am ET on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 pm ET and 1:00 pm ET it may be edited up until 1:00 pm ET.

There is no limit to the amount of payees you can set up through the Internet, and no. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.

The payment will either be returned directly to the sender or to the processing center depending on the volume of payments submitted to the payee on the processing date.

Once you have set up the payee, then you can look at the Payee List screen and you will see a field that will tell you if the payee is electronic or check.

You can set up payments in any of the following frequencies:

You may edit the dollar amount the next business day after the scheduled payment date.

If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.

No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.

For an electronic payment, funds are debited the same day that the payment is sent, providing it is sent by 1:00 pm ET. Electronic payments submitted after 1:00 pm ET are debited the next day during bill pay processing.

Check payment funds are debited from the account when the check clears your account at the bank.

Electronic are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

Check payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

The goMBC app lets you manage your bank account(s), Bill Pay payments, and credit card accounts all right from your mobile device. That means you can pay bills, deposit checks, view transactions, and transfer money from anywhere at anytime you like.

The goMBC app is extremely secure. Your account information is password protected and highly encrypted.

1. Touch the app icon on your home screen.
2. Enroll as a first-time user or enter your online banking credentials to log in.
3. For additional security, you will also be asked to create a four-digit code. In addition, you'll have the option to enable fingerprint or face ID recognition authentication if your device supports these capabilities.