Online Bill Payment

Included with your Online Banking is FREE Online Bill Payment. Discover just how easy it is to pay your bills with Henderson Federal Savings Bank Online Bill Payment. With the simple click of a mouse, your bills can be paid in a matter of minutes. Pay anyone, anytime from anywhere. No more writing checks, no more postage, no more hunting around the house for envelopes, no more tearing, ripping, and filing of your bills. Just point and click.

With Henderson Federal Savings Bank Online Bill Payment, you can:


How do I get started using Bill Pay?

When you have enrolled for Henderson Federal’s Internet Banking, you will see a button for enrolling in Bill Pay. Click the button, and you will be given step-by-step instructions for enrolling with Check Free™ Bill Payment system.

How soon can I start making payments using Bill Pay?

Once you submit the separate online enrollment for Bill Pay, you can begin scheduling payments as soon as your enrollment is processed by the Bank (usually 24 hours). Once processed, you will receive an e-mail stating that you have been approved for Bill Pay. You will find most nationally recognized payees already available for your use. For smaller local payees, you may have to register them first. A new payee usually takes 48 – 72 hours for approval. Once established, however, those particular payees will be available for immediate use on subsequent visits.

How are payments delivered and how can I ensure that my payee receives my payment by the due date?

You may schedule payments to be initiated on the day you enter the information, on a future date, or on the same day each month. Although you can enter payment information 24 hours a day, 7 days a week, payments can only be initiated on business days. After funds are withdrawn from your designated account, we may remit your payments by electronic funds transfer, or if the payee does not accept electronic payments, by mailing a check drawn on an account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they will not receive the payment on the processing date (the date you instruct us to deduct the funds from the account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be a minimum of five (5) business days before the bill’s actual due date.

Why does it take five business days and sometimes more for payments?

Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee via US Mail. Once the payee receives the check, it may take a day or so for the payee to process and post the check to your account. Even for electronic payments, it may take two or three days for your account to be posted. Holidays must also be taken into consideration.

What should I do if a payee has not posted my payment?

First, be sure to allow a minimum of five (5) business days for a payee to receive your payment. Contact Henderson Federal Savings Bank, if your payee does not post your payment within ten (10) business days of the date you requested, by phoning 903-657-2577 during our regular business hours of 8:00 A.M. to 5:00 P.M. CST Monday thru Friday. Henderson Federal will follow up on the payment and get back to you within 24 to 48 hours.

If I currently have an automatic debit for a bill coming out of my checking account, should I cancel this debit and use Bill Pay?

It is recommended that you NOT cancel any auto debit UNLESS Bill Pay has the ability to electronically remit this payment to your payee. To determine if your payee is electronic with Bill Pay, simply look for an asterisk by the payee’s name when you attempt to establish the payee. Payees who have their own debit program will often not allow 3rd party processors to remit payments to them. Our main concern is that your bill be paid in a timely manner and safely.

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