You may use Hiway’s bill paying service, to direct Hiway to make payments from your designated checking account to the “Payees” you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the All About Your Accounts Agreement and Disclosure, Service Fee Schedule and other documents in effect from time to time governing your account.

The Online Bill Payment Service enables you to set up recurring payments, make one time payments and track your payments to parties.


Bill Payment is free as long as you maintain a checking account with Hiway. You are responsible for any internet service fees that may be assessed by your telephone and/or internet service provider and any fees applicable to your accounts with Hiway as set forth on Hiway's Service Fee Schedule. There is no limit to the number of bills you can pay each month with Hiway’s Bill Payment.


To access the Bill Payment Service, you must log on to our website and access Online Banking or Mobile Banking.


As used in this Agreement, the term "Payee" means the merchant, person or entity to whom you wish a bill payment to be directed; "Payment Instructions" means the information provided by you for a bill payment to be made to your "Payee"; "Checking Account" means your Hiway checking account selected to make payment; "Business Day" means Monday through Friday excluding federal holidays; "Payment Date" means the Business Day of your choice upon which your bill payment will be sent; "Deliver by Date" is the estimated date of arrival for your payment, the words "we," "our," and "us" and "Credit Union" mean Hiway Credit Union® and the words "you," "your" and "yours" mean the account owner(s) who use this service.

Payment Authorization

When you transmit bill payment instructions to us, you authorize us to debit your account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that most transactions will be completed on the day designated, it is understood that due to circumstances beyond the control of Hiway, particularly delays in handling and posting payments at the merchant or financial institutions, some transactions may take longer.

For this reason, it is recommended that all payments be scheduled for payment at least three (3) business days before the actual due date stated on your invoice, and not the late date and/or a date in the grace period. Payments being made with a check may require up to seven (7) business days. Cutoff time is 1:00 PM Central Time on any business day and is the time by which you must transmit payment instructions to have them considered entered on that particular business day. Payment instructions entered after the cutoff time or on non-business days will be considered entered on the next business day. The Payment Date indicated by you must always be a business day. If it is not, the Payment Date will be deemed to be the first business day following the date indicated. If you properly follow the procedures described and Hiway fails to send a payment according to your instructions, Hiway will bear responsibility for late charges ($50.00 maximum) subject to the six (6) exceptions stated below. In any other event, including but not limited to, choosing a payment date less than three (3) business days before the actual due date, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

Liability for Improper Payments

Hiway will use its best efforts to make all your payments properly. However, Hiway shall incur no liability if it is unable to complete any payments initiated by you through Hiway because of the existence of any one or more of the following circumstances:

  • Your account does not contain sufficient funds (including overdraft protection) to complete the payment. Payments are based on available funds per our funds availability policy.
  • You know or have been advised by Hiway, not to use the payment system due to a temporary technical malfunction.
  • The payee mishandles or delays a payment sent by Hiway.
  • You have not provided Hiway with the correct names or account information for the payee.
  • Inaccurate estimation of time needed to allow the payment to be delivered to payee.
  • Circumstances beyond Hiway's control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and Hiway has taken reasonable precautions to avoid those circumstances.

If Hiway causes an amount of funds to be removed from your Hiway account that is in conflict with your payment instructions, or causes funds from your Hiway account to be directed to a person or entity which does not comply with your payment instructions and none of the above six (6) exceptions apply, Hiway shall be responsible for returning the improperly transferred funds to your Hiway account to the extent you did not receive the benefit of the transfer.

Prohibited Payments

The following payments are prohibited through this service:

  • Tax payments
  • Court ordered payments
  • Payments to payees outside of the United States


Hiway reserves the right to refuse to pay any payee to whom you may direct a payment. Hiway is obligated to notify you promptly if it decides to refuse to pay a person or entity designated by you. This notification is not required if you attempt to make a prohibited payment as defined above. A payment cannot exceed $99,999.99 to any payee, and the due date must not be further out than one year. Per transaction and per day limits for payments going electronically to personal accounts can be found on

Edit/Cancel or Stop Payment

You may cancel or edit a payment instruction under certain circumstances. If you discover an error in or want to change a payment instruction (i.e. payment date or payment amount) for a payment you have already scheduled, you may electronically edit or cancel the payment (including recurring bill payments) by editing or deleting the transaction(s) before the date you have designated as the send date. This can only be performed when the payment is pending. Once the transaction is in process, it is not possible to edit or cancel it. If your request is not timely entered, you will be responsible for the payment.

If the payment was processed with a check and the check has not yet cleared through the system, you may place a stop payment on the transaction. If you wish to place a stop payment on an item, contact Hiway at 651.291.1515 or 800.899.5626. If you call, we may require you to present your request in writing within fourteen (14) days after you call. Please refer to Hiway’s Service Fee Schedule for any fees applicable to the Stop Payment.

Non-Sufficient Funds (NSF)

If you have instructed Hiway to make a payment for which there are non-sufficient available funds in your account, you will be charged an NSF fee per item paid or an NSF fee per item returned, which will automatically be taken from your account on the transaction date. Please refer to Hiway’s Service Fee Schedule for current NSF fees. If a payment is returned for non-sufficient funds, a block will be placed on your account and future payments will not be processed until the NSF item is satisfied.


Hiway has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law.


  • Hiway has the right to terminate this agreement at any time.
  • You may terminate this agreement by written notice to Hiway.
  • Hiway is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice.
  • You remain obligated for any payments made by Hiway on your behalf.