Missouri Bank: Internet Banking

Q: What do I need to get started?

A: You need to have at least one checking account with Missouri Bank. Then, you need a secure browser with 128-bit Strong Encryption and Internet access on your computer. Check to make sure you have one of the browsers listed below. If you don’t, they can be downloaded free of charge. Make sure you select the 128-bit Strong Encryption version for your operating system. You can use either a PC or Macintosh-compatible computer. Microsoft Internet Explorer is no longer supporting Macintosh Users. Please try using the Macintosh link below.

Please note: You must be an internet banking customer to have bill pay services.

Macintosh Users, download here
Microsoft Users, download here

Q: How do I sign up?

A: Bill Pay is an optional feature of Internet Banking.

Log in to your internet banking account and at the top of your screen in your menu options click, "enroll for bill pay."

We will notify you once your Bill Pay service has been activated.

Print the Internet Banking Agreement for your records.

Q: What is the difference between Classic BillPay-e and BillPay-e Plus?

A:   Classic BillPay-e is the traditional "pay anybody" product that has all the features you would expect. This product is great for the beginner or intermediate users that have a lot of bills to pay and are too busy to be burdened with old-fashioned check writing.

Pay Anybody Model
    • Simple and intuitive
    • All payees are verified before the first payment is made
    • Schedule, change or stop single and recurring payments
    • View payment history
    • 24/7 access; extended hours for Customer Service and CHAT
      available

Email Payments and Transfers
    • Send money to anyone in the U.S with an e-mail address and
       a bank account
    • Inter-bank transfer of funds to personal accounts at other
       financial institutions

BillPay-e Plus is a feature-rich bill pay product that is intuitive and offers flexibility to your users. It has all the features of our pay anybody product with additional advanced features. It is perfect for the loyal, electronic payment enthusiasts.

Bill Pay Reminders
    • E-mails remind users of payments due
    • E-mail notification of activated payees
    • E-mail reminder when a bill was not paid by a "no later than"
       date

Customer Specific Security Features
    • Establish maximum amounts to be paid to any payee
    • Forced change PIN schedule
    • Second level security for specific actions (i.e. change e-mail
       address, add a new payee)

Q: What is the cost for monthly bill pay service?

A: For business customers, mobank Business Classic Bill Pay is free and you get unlimited transactions. For mobank Business Bill Pay Plus it is $5.00 per month and your first 10 transactions are included and it is 50 cents per transaction over 10.

For non-business customers, mobank Classic Bill Pay is free with unlimited transactions. mobank Bill Pay Plus is $5.00 per month with unlimited transactions.

Q: How are my payments sent?

A: Payments may be made one of two ways at our option, either as an electronic payment or as a paper payment.

An electronic payment causes a transfer from your checking account to the payee account on the payment date you specify. A paper payment causes funds to be transferred from your checking account to a Missouri Bank clearing account. Missouri Bank then issues a check on your behalf, on the date you have specified, and mails it to the payee. The payee handles the payment as a regular paper check.

Q: Is the information I enter into Missouri Bank Bill Pay safe?

A: Yes. Your information is safeguarded using industry-tested encryption methods. You select your password and you may change it at anytime. You will be required to change it every 6 months.

Q: Are there any payments I can’t make using my Missouri Bank Bill Pay service?

A: You cannot use Bill Pay for alimony, child support or other court-directed payments. You also cannot use Bill Pay to make tax payments. The payee must have a U.S. postal address.

Q: When should I set up my payments to make sure they are paid on time?

A: Bill Pay service will eliminate the time-consuming chore of writing and mailing checks, but you still need to provide enough lead time so your payments get to the payee on time. We suggest you set the payment date at least seven (7) business days in advance of the due date to allow for payment processing. Remember to only include business days in your calculations. Do not include Saturdays or Sundays; if your payment falls on a Saturday or Sunday, use Friday as your payment date.

Q: Can I determine my bill payment date using the "late date" or "grace period"?

A: No. Always use the "Due Date" when determining your bill payment date.

Q: How will I know what payments have been made?

A: Once a payment has been made, you will be able to view it through your Internet Banking service. The payment will also be itemized on your monthly bank statement. Keep in mind that we only make the payments you authorize. You are in control of your account at all times.

Q: What if my payee says they have not received my payment?

A: As a general rule, you should allow 7 business days (excluding Saturdays and Sundays) for a payee to process your payment. If your payee reports that payment has not been posted, notify Missouri Bank at 816-881-8270. We will provide proof of payment that you may forward to your payee.

Q: What about the payment stubs I usually send back with my check?

A: Recycle them! We’ll provide all the information your payee needs to process your payments from the information you provide to us when you create the payment.

Q: Do I need to contact my payees to tell them I’m using Missouri Bank Bill Pay services?

A: No, not at all. Using our Internet Bill Pay service will not change the way your payments are credited or how money is moved through your accounts.

Q: Should I enter my internet bill payments in my paper check register?

A: Yes. Enter your bill payments into your Missouri Bank check register or into your financial management software system (i.e. Quicken or Microsoft’s Money) just like you would an ATM withdrawal or a regular check payment.

Q: What happens if my account does not have adequate funds to pay the bills I have set up?

A: Despite the many advantages of our Bill Pay service, you still need sufficient funds in your Missouri Bank checking account to cover the payments you authorize. If you request a payment for more than the balance in your account, you will be sent a notice, your account will be charged an insufficient funds fee and you will need to make other arrangements to make your payment.