Q: What is the advantage of Click n’ Pay?
A: Convenience is the advantage. Make one-time payments or schedule recurring payments at regular intervals. You no longer have to make an extra trip to the Post Office. You would save money on stamps, envelopes and checks.

Q: What types of bills can I pay?
A: You can pay charge accounts, utilities, auto loans, daycare, and most other bills (except IRS, other tax entities, court directed or government related bills or payees outside of the US).

Q: What other restrictions may apply to Click n’ Pay?
A: You need a Share Draft (checking) Account with CJFCU. Payments cannot be taken from any other account.

Q: How much does Click n’ Pay cost?
A: Click n’ Pay Online Bill Pay is absolutely free!  There is no charge for any number of bills paid in any given month.  No more stamps to buy for envelopes, and no more checks to make out.

Q: How do I sign up for Click n’ Pay?
A: You can call us at (732) 634-0600, (908) 412-8881 or (732) 469-8870 to be sent an application in the mail, or if you are visiting one of the offices, you could fill out an application while there.

Q: How do I log on to Click n’ Pay?
A: After you receive you User ID and Temporary Password, you will go to www.cjfcu.org, highlight Bill Pay and click Bill Pay login. Enter your User ID and the Temporary Password. You will be asked to select an image from the art gallery and name it. Once you've named your image, you will be asked to answer 5 security questions. You will then be asked to change your password to one that only you will know. The system will ask you to log back in using your User ID and new Password. 

**Helpful Hint** This Bill Pay program is case sensitive. When changing your password and answering your questions, you may want to use either all lower case or all upper case letters.

Q: How do I set up payments?
A: When you are in the site, highlight Payees and then click Add Payee. Enter the information requested about the payee. After the payee is on your payee list, go to Payments. For a One-Time payment, click Schedule Payment. To schedule a recurring payment, click Schedule Recurring Payment. Select the payee, the amount you want to pay, and enter the due date, then click on NEXT and check what you have typed.  If everything is correct then click on NEXT again to finish the process. The confirmation page will give a brief description of the payment you have submitted (including the send date).

Q: How can I view the Send Date while I am setting up my Payments?                                                                                                                                                                            A: To view the send date while setting up a payment, you would first need to click Preferences (next to Payments). Click the box that says "Show both Send and Due dates" and click Submit. When you go back to Payments, the Send date column will be located next to the Due date.

Q: What is the difference between a one-time payment and a recurring payment?
A: If your payment amount or payment due date changes from payment to payment, it should be set up as a one-time payment. A recurring payment is one that is always the same amount and is paid at regular intervals (for example, your car payment or mortgage payment)

Q: How are my bills paid?
A: Payments are made electronically or by check, depending on what the payee accepts. The first thing our system does is determine whether the payment is to be done electronically or by check, and then separates it accordingly. Then the payment is separated by due date. The Credit Union then posts the file when it comes in.  

Q: How long does it take a payment to post to my Share Draft (checking) account?                                     A: Depending on how the payee accepts payments, the payment can take 2-7 business days to post to the account. If the payee accepts payments electronically, the payment amount will automatically be withdrawn from your share draft (checking) account 2 business days before the scheduled due date. If the payee accepts payments as a check, the check will be issued and mailed to the payee 5 business days before the due date (The check will clear from your account after it is deposited by the payee).

**Please Note** Many credit card companies ask to allow between 24-48 hours to process your payment once it is received by their bank. To avoid a late payment, first check your statement/bill for processing time - then enter a due date 1-2 business days before the due date on your bill.

Q: What happens if there is not enough money in the account?
A: If there is not enough money in your share draft (checking) account to pay you scheduled bill payment, you will receive an NSF fee of $30.00.

**Please Note** For electronic payments, the system will automatically try to make your scheduled payment for 3 consecutive business days. Your account will be charged a $30.00 NSF fee for each unsuccessful payment attempt. Payments can be edited or deleted up until the processing date.  

Q: Am I notified when a payment is not posted successfully?                                                                            A: Yes. You will be sent a notice via the Online Bill Pay’s email messaging when a payment has not been posted successfully. You can also check if the payment was sent successfully or unsuccessfully in the Payment History page.