Xpress BillPay FAQ

What is Xpress BillPay?

Xpress BillPay is the free and easy way to pay your bills online without ever having to leave the house. Pay bills in minutes, any time of the day or night - even while on vacation! It's fast and handy; no more trips to the post office, envelopes, stamps, or racing to make it before the office closes. Xpress BillPay is so convenient, you can even pay your bills in your pajamas.

What bills can I pay?

You may pay any bill - such as utilities, department stores and credit cards. You may also pay anyone - such as your family and friends. The only bills we are aware of that you cannot use this service for are government agencies (i.e.: IRS, Child Support). You are in complete control of when you want your bills paid.

Recurring bills, such as mortgage payments or car payments, need to be entered only once. If you choose this option, the bills will continue to be paid according to your schedule as long as you wish.

Do I need a separate ID to access Xpress BillPay?

No, you will be able to access Xpress BillPay through your Xpress Net Banking ID.

What if my payee doesn't accept electronic payments?

When you set up your payee, Xpress BillPay will indicate whether payments can be sent electronically. If electronic payments cannot be sent, a check is printed and mailed to the payee.

Are there any charges for this service?

No - All CSB checking account customers receive Xpress BillPay at no charge.

When will my account be debited?

In order to allow enough time for the transaction to reach your payee, you must schedule it to be paid before it is actually due.

Xpress BillPay provides two (2) processing runs per day. The deadlines for processing will be 3:00am and 1:00pm. Payment processing will be as follows:

Run one: Any payments entered between 3:01am and 1:00pm, on any business day, can be modified or deleted anytime prior to the 1:00pm processing time.

Run two: Any payments entered between 1:01pm and 2:59am, on any business day, can be modified or deleted anytime prior to the 3:00am processing time. Please review these two examples:

Electronic Example: The due date for a bill is the 15th of the month. If the payee accepts electronic payments, the bill should be scheduled to be paid 3-4 business days before it is due. In this case, the bill is scheduled to be paid on the 12th. At 3:00 a.m. on the 12th, a transaction is generated. The transaction is then sent electronically to the vendor and your account is debited. The vendor posts the transaction on the 14th or 15th.

Check Example: The due date for a bill is the 15th of the month. The payee does not accept electronic payments, so a check must be printed and mailed. In order to make sure the check is delivered on time, the bill should be scheduled for payment with sufficient time to allow for the post office to deliver the check before it is due. In this case, the bill is scheduled to be paid on the 10th. At 1:00 p.m. on the 10th, a check is printed and mailed. Your account is debited when the check clears your account, just as if you wrote the check yourself.

Please take into consideration holidays, weekends and payee processing time, as CSB is not responsible for any late payments.

How do I know a bill was paid?

You will know the bill was paid when your check has cleared or the funds are debited from your account. You can monitor this through the transaction feature in your account history.

How do I get started?

Just follow the BillPay Guide.

How can I get additional help with Xpress BillPay?

The Xpress BillPay feature through Xpress Net Banking offers an extensive online User's Guide and FAQ section, as well as step-by-step instructions for making payments. Simply click on the HELP button to answer your questions. The guide leads you through the most common BillPay functions. You may also feel free to contact us with any question or concerns you may have with Xpress BillPay. Our Electronic Banking Representatives can be reached at 330-674-9015, 1-800-654-9015, or via e-mail at www.csb1.com.

What if I no longer wish to use Xpress BillPay?

Simply notify us in writing at:

The Commercial & Savings Bank
Attn: Electronic Banking Representative
91 N. Clay St.
P.O. Box 232
Millersburg, Ohio 44654

The Commercial and Savings Bank will need to be notified 10 days prior to the actual discontinuance date.


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