La Cap will NEVER ask for your online banking credentials or debit/credit card information.
Click here for info on keeping your account safe.
La Cap's Bill Pay feature can ease the hassle of juggling bills, late fees and trips to the post office. Built right into our Online Access, Bill Pay can allow you to manage your bills from anywhere you have internet access.
These short tutorials will help you learn about using Bill Pay:
Set Up Bill Pay Alerts - Demo Video
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.
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, credit cards, or individuals such as a landlord, babysitter, or relative.
NOTE: You must have a La Capitol checking account to enroll in Bill Pay.
You can enroll for online Bill Pay in three easy steps:
Once enrolled, you can make a payment in four easy steps.
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.
Paying bills online is one of the safest ways to pay your bills. 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 payment activity.
Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.
Most scheduled payments are sent electronically and funds are withdrawn from your account on the process date.
Bills paid electronically will be deducted 1-2 days prior to the due date. Bills for vendors who do not accept electronic payments and are paid by check will be deducted up to 5 business days prior to the due date.
Here's a quick list of the many ways you can benefit from using online Bill Pay.
*Savings are approximate and based upon the average annual cost of stamps, envelopes, and checks required for paying ten bills per month.
eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your online Bill Pay account.
eBills are delivered directly to your 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.
You will continue to receive paper bill statements unless you contact the payee to stop sending those statements.
There are two easy ways to determine if a payee offers eBill. You can check to see if there is a "Setup eBill" link next to their listing on your online Bill Pay home page, or look for the "Set Up eBill" icon under their name in the "Payments" section.
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.
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 login to your account on your payee's website, or you can check your paper statement.
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.
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.
For assistance with Bill Pay, call 1-866-370-9440.