• Wednesday, September 30, 2020
  • Posted by khereema

There are many benefits to paying your bills electronically. Simplicity and convenience are two that might come to mind right away, but in today’s circumstances, the most notable benefits may be safety and security. Many state officials are still encouraging Americans to stay home when possible, especially those considered “at-risk” of coronavirus. Online payments can be done from the convenience of your home by computer, tablet, or mobile phone—helping you avoid an unnecessary trip. Plus potential postal service delays and delivery issues could result in a late payment or even fraudulent activity.

So, what are your options? If you’re looking to pay your bills online, one of the most efficient tools you can use is Bill Pay. Available for both business and personal customers, this service allows you to set-up payments for all of your bills under one platform instead of managing payments through individual sites. It’s always best to avoid linking your payment information to third-party sites. With Bill Pay, you’re already integrated into Online Banking so you can monitor your account balances and payments from a single location. Additional benefits include the ability to set-up automatic payments for ongoing expenses and email alerts so you never miss a due date.


Businesses needing more sophisticated electronic payment options may also want to consider automated clearing house (ACH) origination or wire transfer services. ACH payments are a particularly good option for recurring transactions such as business payroll. Wire transfers allow you to quickly and securely move money from your business account to people and companies all over the world.

If you’re paying an individual, Zelle® is a convenient way to send or request money. Personal customers can easily exchange money in a matter of minutes; all you need is the recipient’s email address or U.S. mobile phone number. It’s important to only send money to people you trust and always ensure you’re using the correct contact information. To access Zelle, navigate to Bill Pay within Online or Mobile Banking and follow the prompts after selecting “Send Money with Zelle.

Howard Bank loan customers can also take advantage of online payments via Online Banking, or if you’re making a payment from another financial institution, using our secure Pay My Loan platform. All you need is your Howard Bank loan number and the account and routing number where you want the money withdrawn from, along with the name of the primary owner on the loan account. From there the loan can be automatically paid from the account on the dates you specify.

All in all, there are a variety of methods for making fast and secure online payments. Evaluate your current money management plan and choose the options that best fit your financial needs. And, as always, if you have any questions, just give us a call.