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Heartland Credit Union Online Bill Pay

Why use Bill Pay?
Pay a person

Get connected with HCU Bill Pay!

Wouldn't life be simpler without the hassles of writing out checks, buying extra stamps and stuffing envelopes, just to pay bills each month? Our Bill Pay module is an easy-to-use online bill payment service that enables you to pay all of your bills directly from your HCU checking account. Some of the great features of HCU Bill Pay include:

  • Unlimited free consumer and business bill pay! (excludes Stepping Stone accounts)
  • Integrated into HCU online and mobile banking
  • View payment information for the past year & check the status of current payments
  • Change or delete any payments up until the processing date
  • Create and modify your own list of payees
  • Pay a person (person to person payments)
  • GiftPay. Send a gift check or charitable donation from your Bill Pay account.
  • Add a Pay from Account. Allows member to have access to pay from an alternate HCU account in their Bill Pay.*

*This feature requires members to have Level III Alternate Account Access on the account they are requesting to add.

HCU Bill Pay User Guides

HCU One Click Make a Payment Guide

Bill Pay Quick Reference Guide

HCU Bill Pay eBill Overview



Why do so many people choose online bill pay? Because they know it means more convenience, savings and security.

Convenience in just a few clicks

  • Receive and pay your bills online, all in one place
  • View and pay bills anywhere, anytime, even when you're traveling
  • Verify your account balance as you pay your bills
  • Track your payment history at a glance and follow all your transactions in real time
  • Receive helpful email or text reminders when payments are due
  • Add the people and companies you want to pay quickly, then send payments with a simple click

Save time and money every month. Members save on average $145* per year!*

  • Save time by receiving and paying your bills all in one place
  • Save on stamps and checks by making your payments electronically
  • Save money on late fees because you can schedule timely, recurring payments
  • Save paper with electronic bills and payments

*Based on average postage, late fees, and interest paid per year

Safety and security with every transaction

  • Prevent identity theft from lost or stolen checks and bills by receiving and paying your bills online instead of by unsecured mail
  • Make secure payments directly from your checking account
  • Maintain tighter control of your account with real-time access to your payment activity
  • Increase your privacy because only you can access your account information

Still have questions? Check out our video demos page.

Heartland Credit Union Online Bill Pay

Pay a person at a glance

What it is:

This convenient feature allows you to make person-to-person payments electronically to anyone you choose, such as a landlord, babysitter or relative.

How it works:

Choose the option that is best for you.

  • Provide the recipient's email address and a secure password of your choosing. The recipient then logs in to a secure site using that password and provides the required account information. A payment is deposited electronically from your account into their account.
  • Provide the recipient's bank routing number and deposit account information and a payment is sent electronically.
  • Provide the recipient's mailing address and a paper check will be mailed.

Why it's a new level of simplicity:

Sending money electronically is faster, more convenient and more secure than sending a check. And even when a paper check is necessary, online bill pay can save you time. That's because we mail your check directly to the recipient, which saves you a trip to the post office.

How to get started:

When you add a payee, simply choose to add an individual rather than a company or business.

Still have questions? Watch the Pay a Person video on our video demos page.

GiftPay at a glance

What it is:

This helpful feature allows you to easily send a gift check or charitable donation from your online bill pay account.

How it works:

  • To send a gift check, choose a check design for the occasion and add a personalized message to the recipient.
  • Donation checks can be sent in memory or in appreciation of someone you wish to honor. You can also send a personalized email message to notify others of your donation.
  • We send the gift or donation check to the recipient. Funds are withdrawn when the check is cashed.

Why it's a new level of simplicity:

With GiftPay, you do not have to worry about stamps or trips to the post office. Plus, GiftPay gift checks cost less than most greeting cards but still offer a range of colorful designs to suit the occasion and the option for personalization.

How to get started:

Just add the name and address of the gift check recipient or charity. For donations, you can enter the charity of your choice or simply select from our broad list of popular charities.

Heartland Credit Union Online Bill Pay