Bill Pay in Online Banking

Learn what the risks are and how to protect yourself.

Click here to download All FMB Security & Education Information (PDF)

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Online banking requires you to use an email account.

Protect access to this account at all times because it is used for communication from online banking.

  • If you elect to use online banking, you can then register for bill pay.
  • Once you register for bill pay, payees can be established.

Recipients receive the money in one of two ways depending on the recipient’s capability:

Paper check

Theses are cut and sent in advance of the scheduled day.

Electronic ACH


What are the risks of using bill pay?

  • If you do not protect your computer or device in the manner described, a hacker could take over your machine.
  • After taking over your machine, they could watch you log into online banking.
  • After learning your online banking credentials, they could add themselves as a payee in online banking and pay money out of your account into theirs.


Ways to protect yourself

  • Log into your account regularly and check your balances, activities, and payees.
  • Secure your device as described previously.
  • Monitor your emails diligently for notifications of changes to your online account and payees.


Bill Pay Website Screenshot

BillPay Screenshot example

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