Murphy-Wall Online Bill Pay Basics
A. Murphy-Wall Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It’s safe, secure and easy to use.
A. You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.
Getting Started with Murphy-Wall Online Bill Pay
A. It’s easy to enroll in Murphy-Wall Online Bill Pay. Just log in to your account and click the “Bill Pay” link to access the short enrollment form.
A. The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:
Once you add your payee, you can start making payments in seconds.
A. The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:
How Murphy-Wall Online Bill Pay Works
A. Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
A. Paying bills online is one of the safest ways to pay your bills. Murphy-Wall Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.
A. Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.
A. Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.
A. Bill payments that have not been processed can be cancelled through your Bill Pay tab in online banking. If the payment has been processed, we may be able to place a stop payment on your account. Electronic bill payments posted to your account are not eligible for stop payment. Contact us at 1-877-358-6554 during regular business hours to inquire about stop payments or submit a Stop Payment form from the Support tab in your online banking. Forms submitted through internet banking after business hours will be viewed and processed on the next business day. Please refer to your Account Agreement and Disclosure for more details on stop payments and the associated fee.
Murphy-Wall Online Bill Pay Benefits
A. Here’s a quick list of the many ways you can benefit from using Murphy-Wall Online Bill Pay.
*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.
A. eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Murphy-Wall Online Bill Pay account.
A. eBills are delivered directly to your Murphy-Wall Online Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.
A. You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.
A. If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Murphy-Wall Online Bill Pay dashboard.
A. With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won’t have to keep track of paper bills. In addition, you can view past bill summaries at a glance.
A. Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee’s website, or you can check your paper statement.
A. To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.
A. You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.
A. Visit our Lost/Stolen Card page for guidance on what you should do.
A. After receiving your card in the mail, please call the number on the sticker to activate. For security purposes, you must call from the phone number that we have on file.
A. Debit cards that have not been activated are deleted after three months.
A. Yes. Please visit your nearest branch.
A. You may withdraw up to $500.00 from an ATM per day by using your 4 digit PIN. Up to $1,500.00 in goods and services may be purchased per day. Note: Limits are subject to the Available Balance in your checking account at the time of purchase.
A. Choosing to run your card as credit processes your transaction through the VISA system and allows a limit of $1,500.00 per day subject to your Available Balance. Running a transaction as credit does not mean that you have a credit card. The purchase amount is taken from your checking account.
A. This is dependent upon the merchant and the merchant’s processor. Some transactions may be deducted from your account immediately, but others may take three or more days. Pending transactions indicate that your purchase is in the process of being completed but have not yet been finalized. A Hold for the amount of the purchase will be placed on your account to ensure that the funds will be available when the transaction has been completed.
A. Debit cards are issued every three years. The expiration date may be found on the front of your card. Example: If your expiration date is 10/19, then your card will stop working on November 1, 2019.
A. The reissued cards are ordered four to five weeks prior to the expiration of the current card.
A. Cards that have not been used for a year are deleted and will not be reissued.
A. If you are planning to travel, please fill out a Travel Notification Form or call to inform us. Our card fraud prevention system may block the usage of your card when transactions are outside of your normal spending patterns.
A. Visit one of our locations at Pinckneyville, Murphysboro and Elkville. One of our knowledgeable Customer Service Representatives will enroll you and provide you with a Security Code, along with your acknowledgement of the Electronic Banking Service Agreement. You will then be able to complete the enrollment process from your personal computer.
A. Great! View our Demo Site and learn just how easy it is to view accounts and make transfers. Feel free to click around and gets a hands on experience of what our Internet Banking service can do for you!
A. The Murphy-Wall app is compatible with:
Android: requires Android 4.3 or later.
iPhone application: requires iOS 8 or later. Compatible with iPhone.
It is recommended that your device be updated to the most current version for optimal use.
A. We do not offer an application for Blackberry devices at this time. Currently our mobile application is only available for Apple iPhone and Android mobile devices. However, the iPhone application can be downloaded on the iPad but images may be distorted.
A. All information transmitted between servers and the mobile devices is encrypted as with our regular Online (Internet) Banking Service. There is no difference between using a mobile device or a computer from your home.
A. You have to be a current user of our Online (Internet) Banking Service with a signed Electronic Banking Agreement. You can sign our agreement at any of our three locations (Pinckneyville, Murphysboro, and Elkville). Once this is complete, download the Murphy-Wall app from the App Store (iPhone) or Google Play (Android).
A. Install the mobile app and enter your Online (Internet) Banking Service username, password and security answer. Your use of the app indicates your ongoing acceptance of the Electronic Banking Agreement.
Terms and Conditions can be found on www.murphywall.com
A. Yes, if you change your Online (Internet) Banking Service password, you will need to use the same for the mobile app.
A. If you are a Murphy-Wall State Bank Online (Internet) Banking user, no further registration is required. Simply download the app and use the same username and password you use for Internet Banking. Otherwise, registration is required in one of our facilities at Pinckneyville, Murphysboro, or Elkville.
A. The PASSWORD must be a minimum of eight (8) characters and no longer than 32 characters. The password must be complex (i.e. must contain a number, an upper case letter, a lower case letter, and a special character. The PASSWORD cannot contain any whitespace (spaces are not allowed: including before, in the middle of, or after the password); The PASSWORD characters used in your PASSWORD are case-sensitive, so an “M” is not the same as an “m”. “M8rphy-W211” is representative of a complex password.
A. If you forget your username and/or password, you can reset it through our Online (Internet) Banking Service or Mobile. Your Online (Internet) Banking Service password is your mobile password. Please do not send confidential information by email from the mobile app. You may use the secure email located on our website. Or you may call us at 877-358-6554.
A. Wait 24 hours to be unlocked automatically. If you have been locked out twice in a row, please call us to be unlocked.
A. No. Once you have logged in with your multi-character password on the mobile app, you can set a 4-digit PIN within the SETTINGS page. This PIN is known only to you and your device, this provides dual authentication security. This PIN is only used for the mobile app, and will not affect your debit card PIN.
A. If you forget your PIN, click on USERNAME LOGIN and it will prompt you for your Username and password, then you can login and reset your PIN.
A. Yes. After you have logged in, go to SETTINGS. Choose CHANGE USERNAME and enter your new Username and current password.
A. Yes. After you have logged on, go to Settings. Choose CHANGE PASSWORD. Verify your current password in the top box and enter your new password in both bottom boxes.
A. There are features on the SETTINGS page that can make this easier for you. Turning the AUTO LOGIN on will allow you to look at balances and recent transactions without logging in. You will be prompted to login if you perform a transaction, use Bill Pay, or change a security function. You can also choose SAVE USERNAME on the login screen, this will automatically load your username each time you login, but will require a password or PIN before viewing balances. You should choose these AUTO LOGIN and SAVE USERNAME options carefully as the risk of unauthorized persons viewing some of your account information could be greater when these options provided for your convenience are on. If you utilize auto login we strongly encourage you to have a password on your mobile device. If you access more than one username on the same device auto login is not available.
A. Simply select USERNAME LOGIN at the login screen. This will allow you to log in using your username and password. To reactivate PIN login, once on the app, go to the “SETTINGS” icon and select “LOGIN SETTINGS” to reestablish your PIN login.
A. For security reasons, if you access more than one username on the same device AUTO LOGIN is not available. If you have not accessed more than one username on your device, you may delete the app and re-install it. Normally, this functionality will return.
A. No. Each user should have his/her own username and password
A. Monday through Friday, excluding bank holidays.
A. Yes, go to SETTINGS and you can choose RENAME ACCOUNTS.
A. To rearrange the order your accounts appear, go to SETTINGS, and then choose REORDER ACCOUNT. When the accounts appear, place your finger on the drag handle next to the account you want to move and drag it to where you want it located.
A. Yes. You can change the name on an account by using the SETTINGS button in the app and then clicking on RENAME ACCOUNTS.
A. The only accounts that will be included in the application are those that you own. If you need an account added, please contact us.
A. New accounts will be visible the next banking day after the account is opened. Additional accounts can be added by notifying the bank at 877-358-6554.
A. Yes. Transactions that have images are notated with a gray bank icon in the bottom left hand corner of the transaction box. Choose the transaction to view the image.
A. After you sign your Electronic Banking Agreement your accounts must be Internet Enabled at the bank. If you are an owner or a signer on an account, you may request to view the account from Online (Internet) Banking or your mobile app. Some accounts, based on type, ownership, laws and regulations, or other restrictions may not be viewable or may not allow transactions.
A. Transfers submitted through mobile banking are immediately reflected in the account’s available balance.
A. Transfers must be made before 5:00 p.m. CST on business days for the funds to be posted to the current balance. Current balance is what is used for paying debit items during the nightly update. Transfers to any account made after 5:00 p.m. CST on a business day or on a Saturday, Sunday, or bank holiday, will not be used for paying debit items during the nightly update. They will appear as pending item(s) but will post with the next business day’s date in the account transaction history.
A. You may transfer to or from any of your linked Murphy-Wall accounts unless they are restricted by regulation or by type. If you have a question about your ability to complete a transfer, please contact us.
A. Future dated transfers will be processed on the prior business day.
A. Yes. You may make loan payments from your Online (Internet) Banking service or from Mobile Banking. We also offer auto payments for your loan. For assistance, please contact us.
A.Future-dated transfers can be canceled prior to 9:00 p.m. CST on the business day prior to the date the transfer is scheduled to be made.
A. A “same-day” account transfer cannot be deleted (only those future-dated). To cancel the transfer you can either contact the bank or transfer the money back.
A. You still have full access to Bill Pay, both from Online (Internet) Banking Service and via the Murphy Wall Mobile App. You must register for Bill Pay from the Online (Internet) Banking Service. If you are currently charged for Bill Pay from your Online (Internet) Banking Service, the fee will continue to apply even if you use the mobile app. You may set up payees on both your mobile app and your Online (Internet) Banking Service.
A. Bill Pay payments can be canceled prior to 3 p.m. CST on the processing date.
A. On the menu bar, click MANAGE CARDS to access debit card features.
A. Remember, the mobile app provides access to cards based on account/card owner of the registered user of the app. The user registered to the mobile application will be able to see their cards only.
A. You are able to deactivate your debit card when it is not being used. When you are ready to use it, log in and reactivate it. This feature will reduce fraudulent transactions if your card is lost, stolen, or compromised.
A. If you have recurring transactions set up on your debit card (i.e. gym or tanning memberships) these transactions will continue to process even if your debit card is deactivated.
A. Call the bank immediately at 877-358-6554 or call 800-264-4274 extension 19410 after hours to report a lost or stolen debit card. We will cancel the card and provide instructions for reissuing a new one. If you are using our mobile app, you can deactivate your card the moment you realize it’s been lost or stolen.
A. There are a number of security alert features available in the app to help you monitor transactions made using the mobile app. These can be activated by going to the “Menu” icon. Select “MANAGE ALERTS”. The alerts are sent to users by email, so you’ll need to enter the email address you would like to use to receive alerts. Security Alerts available include: Primary Email Address Changed, Password Changed, Security Question/Answer Changed, Security Greeting Changed and Login Error. Bill Pay Alerts available include: Payment Scheduled Greater Than a Specific Amount, Payee Deleted, List of Transactions That Are Scheduled to Process, List of Transactions That Were Paid, Recurring Payment Processed and Payee Added. Custom Alerts may also be created and managed.
A. Yes. You can change which account is viewed first on your mobile app by using the SETTINGS button in the app and choosing REORDER ACCOUNTS. Your primary Bill Pay account is established and managed through the Online (Internet) Banking access to Bill Pay and is not an optional setting in our mobile app.
A. If you think your phone has been lost or stolen, call the bank at 877-358-6554 or 618-357-5373 and we can deactivate your mobile app account.
A. Before downloading either app, please verify that the old version has been completely deleted from your Android phone. You may need to go into your Apps and drag the Murphy-Wall app to the Recycle Bin to finish the uninstall process. Once the app has been deleted, you will only see one Murphy-Wall app offered by Computer Services Inc. in the Google Play Store. You may then download the updated app.
A. On an everyday level, Kasasa is free checking that rewards you each month for doing simple things you might already do. “Simple” as in banking basics that actually save you time. Like choosing e-statements over traditional paper statements, or swiping your debit card at checkout instead of writing a check. Originally published on the Kasasa blog.
A. Well, that depends on your Kasasa account. You could get paid really high rates (way above the national average), cash back on debit card purchases, or even refunds on your iTunes® & Amazon® purchases. How you get rewarded is up to you. But every Kasasa checking account lets you earn refunds on ATM fees, nationwide – and that’s on top of the reward you choose. Overall, free Kasasa accounts have paid over $100 million in rewards to people just like you. And counting. Originally published on the Kasasa blog.
A. Yes, you can still write checks.
A. The period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Murphy-Wall State Bank provides your Kasasa Statement every 3rd Wednesday of the Month. The Kasasa Qualification Cycle ends everything 3rd Tuesday of the Month. View our 2016 Qualification Cycle dates.
A. Kasasa Saver works like a savings account in that it’s designed to encourage better saving habits. For those concerned about how to save money, this account takes out some of the extra effort and makes it part of an intuitive process. Must be tied with Kasasa Cash or Kasasa Cash Back.
A. APY stands for “annual percentage yield.” You know the interest rate of a checking or savings account makes a difference to how much money your account makes you, but understanding the APY of that account gives you an even clearer picture of the money you’ll be earning.