What is mySwift Stellar?
mySwift Stellar is the most convenient way to manage your money. No matter what device you use,
you get a smooth, personalized banking experience. That means you have complete control
of your Swift Stellar account on your smartphone, tablet and computer.
Here's a look at what you can do with mySwift Stellar...
- View balances: Quickly check your account from anywhere.
- Manage transactions: Search your recent activity, filter by tags, even add an image or note to an entry
- Transfer funds: Initiate one-time, future date, or repeating transfers
- Make payments: Make person-to-person or bill payments from any device
- Reorder checks: Reorder checks quickly and easily
- Card Control: Activate your Debit Card, turn it on and off, or report it lost or stolen
- Set travel notices: Let us know when you plan on using your debit card outside of your normal area.
- Get alerts: Receive push notifications and alerts to stay in the know
- Ask for help: Have a digital conversation with Swift Stellar support staff if you have any questions about your account
Is mySwift Stellar secure?
Yes, we have several measures in place to insure the protection of our customers'
information:
- Secure enrollment process of new users
- Privacy of Access Codes
- Guessing is deterred and reported
- The mySwift Stellar network is highly armed and encrypted
- mySwift Stellar is equipped with an automatic log off after a period of inactivity.
How do I use the Conversations feature?
If you see a transaction that doesn't seem right, click on the "Ask Us About
This Transaction" button. Type in your question and Conversations will connect you
directly with an Swift Stellar support staff member. They can see exactly which transaction you're
asking about, so you get your answers fast. That way, you can put your mind at ease -
without a phone call or trip to the bank!
What if I want to change my password?
You can change your mySwift Stellar Username and Password by logging into mySwift Stellar and clicking on
your profile name in the bottom left corner. Click "Settings," then
"Security" to make changes. You can also call Swift Stellar to
have your mySwift Stellar Username and Password reset at toll-free 877-253-5981.
What if I lose or forget my login information?
Should you misplace or forget your login information, visit mySwift Stellar and click
"Forgot?" to regain access to your account.
When and how are the payments processed?
Payments submitted, recurring or one time, before 3:00 AM ET Monday-Friday will be
processed at 3:00 AM ET. Payments submitted between 3:00 AM ET and 1:00 PM ET will be
processed at 1:00 PM ET. Payments received after 1:00 PM ET on Monday-Thursday will be
processed the next business day. Payments received after 1:00 ET on Friday will be
processed the next business day. All payments scheduled to go on a weekend will be
processed on the processing day before the weekend. All payments scheduled to go on a
holiday will be processed the day before that date. Payments entered on the weekend,
recurring or one time, will be processed on the next business day.
How will online bill payments be sent?
Either by check or electronically. The method that is used depends on how the
recipient of the payment is setup to receive payments. When you set up a new payee the
system will specify how the payee is setup to receive payments.
What happens if I have a scheduled payment that falls over a weekend or holiday?
If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday
before the weekend, or the last working day before the holiday.
Can I use Online Bill Payment if I live outside the U.S.?
Yes, as long as you have a bank account in the United States. However, you cannot pay
bills to payees located outside the United States.
How long is history retained in the View Payment History section?
Payment history for active and deleted payees is retained and viewable 19 months.
How far in advance should I set up a payment to ensure it is paid on time?
For an electronic payment, allow 3 business days from when the payment is submitted.
For a CHECK payment, the check will be in the mail on the same day the payment is
submitted if it is submitted before the 3 am processing. If the check payment is entered
before 1:00 ET, the check will be mailed the following
morning. Allow 5 to 7 business days for a check payment.
Please note that we have no control over the U.S. Postal Service.
Are there minimum and maximum payment amounts?
Electronic payments are validated against the available account balance prior to
processing, and check payments settle against your account like any other check,
therefore, there is no dollar limitation on payments made through Bill Pay. You are
limited only by the amount of funds in your account. However, when using the "Pay a
Person" option on Bill Pay, transaction amounts are limited as follows according to
your mySwift Stellar account type:
- Consumer - $2,800/transaction and $5,600/day
- Business - $1,000/transaction and $2,000/day
Can I have multiple payments to the same payee on the same day?
At this time, there is nothing that checks for multiple payments for the same amounts
going to the same vendor on the same day.
Can I stop a payment?
Only check payments can be stopped after the check is printed and mailed, payment
history will show the check number for that payment. The stop payment would be added in
the same manner as for a regular check written out of your checkbook.
How late in the day can I enter, edit, or delete a payment?
You may add, edit, or delete a payment up to 3:00 am ET on the day the payment is scheduled to be sent. If a
same day payment is submitted between 3:00 pm ET and 1:00 pm ET it may be edited up
until 1:00 pm ET.
What do the status fields indicate on the Payment History Page?
- Processed - The payment has been processed and sent.
- Rejected NSF-The payment that you have tried sending has rejected due to
Non-Sufficient Funds. NSF payments will keep trying until one of the following
happens: the funds become available; if it’s a recurring payment and it expires, or if
you delete the payment.
- Communication Failure-There was an error due to communication problems. The payment
will try again during the next processing run.
- Vendor Refund - Payment rejected at the electronic vendor.
How many payees may I have set up and can I edit Payee addresses? What happens to a
payment that is mailed to an incorrect address?
There is no limit to the amount of payees you can set up through the Internet, and
no. Once an address is entered it stays with that payee. If you need to change an
address it will be necessary to recreate the payee using the new address.
The payment will either be returned directly to the sender or to the processing
center depending on the volume of payments submitted to the payee on the processing
date.
How do I know if a payee is electronic or check?
Once you have set up the payee, then you can look at the Payee List screen and you
will see a field that will tell you if the payee is electronic or check.
What payment frequencies are available?
You can set up payments in any of the following frequencies:
- Weekly
- Bi-weekly
- Monthly
- Semi-monthly
- Quarterly
- Annually
- Semi-annually
When can you edit the dollar amount on a scheduled recurring payment?
You may edit the dollar amount the next business day after the scheduled payment
date.
Can I postdate recurring payments? Can I postdate a single payment?
If a monthly recurring payment is set up to be paid on the 15th and the current date
is November 12th, a payment will be scheduled for the month of November and set up to
occur the 15th of every month until the end date is reached. However, if the payment is
set up to be paid on the 15th and the current date is November 16th, the first payment
will occur on December 15th.
Yes. Just set the payment date for a valid future date.
Will the memo field I fill out when setting up a payment be passed on to the payee?
Yes, your memo will appear on paper check bill payments. The memo field is 40
characters long. Any amount over 40 characters will be cut off. Memo field information
will not appear on electronic payments.
Whom can I pay through Online Bill Payment? Are there any merchants that I cannot pay
through the Bill Payment service?
You can pay anyone in the United States from the next-door neighbor, to the utility
company, to the bank, and even a child in college across the country.
No. Any merchant that is on electronic payee database can go electronically. If a
merchant is not on the list you may send the payment as a check. Make sure that you
enter your merchant account number exactly the way it appears on your bill. If you
choose a merchant on the electronic database that requires an address match, choose the
correct remittance address listed on your bill.
When will the money be taken out of my account? What if I do not have enough money in
my account?
For an electronic payment, funds are debited the same day that the payment is sent,
providing it is sent by 1:00 pm ET. Electronic payments submitted after 1:00 pm ET are
debited the next day during bill pay processing.
Check payment funds are debited from the account when the check clears your account
at the bank.
Electronic are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
Check payments are handled in the same manner as a check written out of your
checkbook against an insufficient balance.