Online BillPay is just that – the ability to pay anything (or anyone) that you have had to write a check for in the past -- online over the Internet within the same secure environment as your online banking. No checks to write, no postage or envelopes to buy. Once you initially enter your billing information, just a few simple clicks on your computer and your bills are paid!

Once you have enrolled and logged in for MNB's online banking, you will find a “Bill Payment” tab on the main menu toolbar. Simply choose that tab, read the Terms and Conditions of the bill pay service, and complete the brief enrollment information. You will choose one account to be the primary source for your payments. You may add additional accounts in the future, but you'll be required to complete an account verification process.

When you are ready to begin, allow yourself some time initially to set up your bill accounts online. Be prepared with your regular paper bills, or have the name, exact mailing address, and account number for each bill. You will set up each biller's account separately by choosing “Add a Bill.” It is possible to pay your bills (i.e./Quick Add) without the account numbers, but it is not recommended. Enter the information carefully so that your bills may be paid accurately.

When you are ready to pay bills, all you need to do is enter the CheckFree WebPay site by choosing the “Bill Payment” tab. The site will open on the “ Payment Center ” page which serves as a “Home Page” for the service. To pay a bill, simply enter a dollar amount and choose a due date for the bill(s) that you want to pay. When you have made the desired entries, scroll down and click on “Send Payments.” This will take you to a confirmation page where you will be able to either confirm the payment or have the chance to modify it. Once confirmed, you will have the option to cancel any payment as long as the word “ Cancel ” appears next to the Biller's name in the Pending Payments section of the Payment Center.

It is easy to schedule recurring payments to be paid on time, every time, as long as the funds are available in your account.

The payment calendar for each Biller will indicate how far in advance you must schedule your payment. Initially, payments must be scheduled at least four business days prior to the actual bill due date. Your Biller will be paid in one of three ways: an Electronic Payment that is directly debited from your account on the due date that you chose, a CheckFree Corporate Check which is mailed and also causes the paid amount to be debited on the due date that you have selected, or a Paper Laser Draft that is drawn on your account, mailed, and processed back through your account just as your personal paper check would be. Note: Whether the payment is electronic or sent by mail, your billers may not always process credits on the same day that your payment is received. For that reason, it is highly recommended that you always allow extra time for processing so that payments will not be late in posting to your accounts.

Whenever it is possible, payments will be made electronically. However, there are some payees (billers) that cannot accept electronic funds, and a paper item will have to be mailed. The decision is ultimately made by the CheckFree administrative system. The system allows for only three days mailing time, so it is particularly important to pay attention to what form of payment is used in order to accurately determine future “due dates.” For instance, if your propane Biller does not accept electronic funds and your bill is late after the 1st of the month, allow a few extra days and put a little earlier due date (i.e./ the 29th) into the CheckFree system to allow for mailing and processing time.

For bill payments that are sent electronically or via CheckFree Corporate Check, the funds for the payment will clear your account on the date that you scheduled as the payment due date. Payments that are made by Paper Laser Draft will clear your account when the payee (biller) cashes or deposits the check and it comes back through your account. You should always be sure that you have funds available to cover your payments by your scheduled payment dates.

It is simple to set up either bill reminders in advance of when a bill is due, and/or notifications when the bills have been paid. There are many convenient options that are available to make your bill-paying experience as painless and effortless as possible!

Our Online Banking system is equipped with Advanced Authentication – Before you can access the Online Banking system, you will log in using our enhanced multi-layered security process. The secure system will use your unique User ID to validate your computer and will link you to your personalized login page. This new authentication method allows you to be sure that the site you have entered is our legitimate site before you even enter your password. In addition it also allows the Internet Banking security system to authenticate your computer in order to ensure that the sign-in is not a fraudulent attempt to access your account information. Security verification questions will be used if the system does not recognize your computer. This will enable you to use any computer anywhere and know that you are logging in safely.