I-Pay lets you pay your bills online through First Interstate Bank. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

Quick Facts about I-Pay

• You can pay all of your bills at the Payment Center. You can also see a summary of your pending payments and the payments you've made in the past 45 days.
• You can receive some of your bills online in I-Pay. You can view and pay these bills at the Payment Center.
• You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
• You can review your bills and payments for the past six months.

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To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.

After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in I-Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

Tip: When you enter an amount, I-Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.

You can pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

• The Pending Payments section provides a quick summary of the payments that have not been processed yet.
• The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.

If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.

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I-Pay uses several methods to ensure that your information is secure.

• SSL—I-Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
• Encryption—I-Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
• Automatic Sign Out—I-Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in I-Pay.

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For best performance, we recommend you use one of the following supported browsers:

• Microsoft Internet Explorer 7 (Windows Vista and XP)
• Microsoft Internet Explorer 6 (Windows XP)
• Firefox 3 (Windows XP)

While other browsers may work with I-Pay, these supported browsers provide the highest level of security, accuracy, and functionality.

We also recommend that you enable JavaScript in your browser. JavaScript is required for certain I-Pay features to function properly.

View I-Pay's system requirements

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Changing your browser to a currently supported version is easy. You can view the download links on I-Pay's system requirements page.

When the download is complete, follow the instructions to install the browser. After it is installed, you may want to select it as your default browser.

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The Terms and Conditions are a complete and exclusive statement of the agreement between you and First Interstate Bank regarding your I-Pay service. The Terms & Conditions document contains information about authorization, liability, and limitation issues when using I-Pay. In the event of a dispute regarding I-Pay, you agree to resolve the dispute by looking to the Terms & Conditions document.

The Terms and Conditions document provides details about the following items:

• Payments that are prohibited.
• Password and security information.
• Your liability if unauthorized transfers occur.
• Errors or questions about your transactions.
• Situations in which your account information can be disclosed to third parties.
• Charges assessed based on services provided.
• Service transactions that are returned.
• Notification requirements for termination or discontinuation of the service.
• Types of payments and limitations on billers.

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Nothing. The two terms are used interchangeably to indicate someone to whom you make a payment, whether or not they actually send you a "bill" or invoice.

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No special software is necessary.

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Absolutely not. You'll always be in control of your accounts. You decide whom, when and how often to pay. Need to cancel or change a payment? No problem, as long as it's done before the processing date.

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You can pay almost any individual or business as long as they have a United States mailing address or receive mail at an FPO or APO address (APO - Abroad, APO - America or APO - Pacific). Please note that the following payment types are prohibited: Tax Payments, Court Ordered Payments, and Payments to Payees/Billers outside of the United States.

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Sometimes you will want to set up a Payee/Biller with whom you do not have an actual account number. It's easy. Simply enter the customer service phone number for that company to enable a database search. If the database does not find a match, you may enter the rest of the information yourself.

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Delete Payees under the Payee Set Up tab. Under this same tab you'll also find the option to change a Payee's information.

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When you pay bills online, the service automatically creates a record of your payments that you can view at any time. This allows you to check the status of your payment and always have a general account of where you are.

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Most transactions will be processed five (5) Business Days before your selected Scheduled Payment Date. It is understood that, due to circumstances beyond our control, even once they are received, some transactions may take a day or even a few days longer to be credited by your Payee/Biller to your account with them.

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If you have a question regarding a payment, use the Messages link at the bottom of the page. This link allows you to contact First Interstate Bank via a fully secure environment regarding your account. Please provide a Payee/Biller contact name (if possible), address, and phone number.

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You do not need to do anything with that portion. I-Pay will provide all of the necessary information to the Payee/Biller with each payment.

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You can schedule a payment up to one year in advance of the payment due date. Do not forget to allow five business days in between the scheduled payment date and the due date. A good example of when you might schedule a payment that far in advance could be to pay annual dues to an organization or association, or to send a birthday or anniversary check to someone.

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Easiest of all: establish a recurring payment. A recurring payment must be made at specified intervals (i.e., weekly, biweekly, semi-monthly, every 4 weeks, monthly, bi-monthly, quarterly, semi-annually, or yearly) for the same amount each occurrence. Set the payment frequency and the amount you wish to pay and, however you set it, your payments will be made as indicated. All you have to do is deposit the money to cover the payments. Set it and forget it!

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You will not always know if your payment is sent electronically or by paper check. While many payments will be made electronically, some Payees/Billers cannot receive electronic payments (such as individuals). Those Payees/Billers will be sent payments by paper check.

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Your account will be debited on your scheduled payment date.

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One of the advantages of paying your bills using I-Pay is that there are generally far fewer opportunities for errors to occur. However, in the event that you do need to provide proof of payment, there are many different tracking systems in place. For example, your financial statement will reflect debits to your account, and include the name of each Payee/Biller.

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All online payments can be canceled before they are processed (5 or more business days prior to the requested due date). Once the payment has been processed, additional modifications are not possible.

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As with any questions about your checking account, contact our customer service department.

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Click here to sign-up for I-Bank, then follow the online instructions

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E-Bills are your regular statements delivered to you electronically by your Payee/Biller. You can choose either to have the Bill Pay service pay the bills automatically (under a certain dollar amount) through e-Bill Auto-Pay, or pay the bills according to your chosen schedule or amount.

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The fastest way to create e-Billers is to choose from the pre-defined list. The Merchants on this list capable of sending e-Bills are indicated by an asterisk(*).

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No. You will no longer receive your paper bill. However, you can print out any bill if you would like to keep a paper copy for your records. Your bills, statements, and notices are available online for six months from their arrival date; then they are archived.

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When you log on, you'll see the number of new bills, statements, and notices you've received. Also, you'll receive a reminder e-mail to notify you of new bills in your account mailbox if they have not been viewed within four days of delivery.

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Most Payees/Billers will use their established billing cycle, so you can expect to receive your bill at approximately the same time of the month that you currently receive your paper bill.

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For questions specific to a particular e-Bill, contact that e-Biller directly.

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