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City National's mission is to provide the ultimate banking experience for successful entrepreneurs and professionals through an uncommon dedication to extraordinary service, proactive advice and total financial solutions.

Online Bill Pay FAQ

  1. What is Online Bill Pay?
  2. What is NEW with Online Bill Pay?
  3. How are my bill payments sent, and when will the funds be debited from my account?
  4. Will there be any changes in how fast my payments arrive to my biller?
  5. What is a Draft Check in Online Bill Pay?
  6. Who Can Use Bill Pay?
  7. Is there a fee for Online Bill Pay?
  8. How do I enroll in Online Bill Pay?
  9. What is a Payee?
  10. Is there a limit as to how many bills I may pay per month?
  11. What is the range of dollar amounts allowed for an Online Bill Payment?
  12. Can I still write personal checks?
  13. When will the Payee receive my payment?
  14. What is new with enrolling in Online Bill Pay?
  15. Where can I view the check number for Online Bill Payments that are not yet paid?

What is Online Bill Pay?
Online Bill Pay is a feature in Online Banking that allows you to make single or recurring payments to anyone in the United States. You can also review payment history and pending bill payments, and receive e-Bills (electronic bills) from your merchants. You can even make payments to existing payees from your smart phone with our Apps for Android or iPhone.

What is NEW with Online Bill Pay?
Online Bill Pay at City National Bank has been enhanced to better serve you! First, we have increased the standard payment limits from $10,000 to $25,000 Second, for payments that have to be sent using a paper check, your payment will now be sent using a draft check drawn from your funding account

This process should be like your experience with written personal checks – the draft check is written on the checking account you selected for payment funding.

How are my bill payments sent, and when will the funds be debited from my account?
The majority of online payments are sent electronically. Some payments (such as to your babysitter or a small local merchant) will be sent via draft check. The way the payment is sent depends on your payee's relationship with our processor. 

  • For payees set up to receive electronic payments, the funds are transmitted electronically and debited from your checking account on the ”Send On” payment date you enter.
  • For payees that are not set up to receive electronic payments, we will issue a draft check from your funding account. Funds will be debited from your checking account when that check is presented for payment. This is similar to the way that a check would clear when you write a check from your account. Please remember to keep sufficient funds in your account until that check clears as the payment is subject to funds availability and NSF fees.

Will there be any changes in how fast my payments arrive to my biller?
No. All of your billers will receive your payment in the same timeframe that they do today (approximately 2 days for electronic payments and approximately 4 days for paper payments)

What is a Draft Check in Online Bill Pay?

  • Most online bill payments go out electronically to the payee. But for online bill payments being delivered via paper check, the check is now issued from and drawn on your funding  account instead of an a third party account.
  • The draft check numbers that are used for bill payments are displayed on the Account Activity page in Consumer eBanking and on the Recent Transactions App in the Financial Center.
  • The funding account used for Online Bill Pay will be debited when  the paper check clears. Timing will vary.
  • Images of cleared checks are available on the Account Activity page within online banking.

Who Can Use Bill Pay?
Anyone who has a personal checking and/or money market account at City National Bank and is enrolled in online banking can sign up for Online Bill Pay.

Is there a fee for Online Bill Pay?
No, Bill Pay remains provided without charge for clients accessing only personal accounts.  However, the service is subject to the applicable Fee Schedule for the account.  For Business clients enrolled in Online Banking please refer to the applicable fee schedule.

How do I enroll in Online Bill Pay?
After signing up for Online Banking, click the "Make Payments" tab and enter the required information. 

What is a Payee?
A payee can be anyone you would like to pay using Online Bill Payment.  This can be any individual or business with a valid U.S. address.

Is there a limit as to how many bills I may pay per month?
No, you may use Online Bill Pay to make an unlimited number of payments.

What is the range of dollar amounts allowed for an Online Bill Payment?
A single payment may be made in any US dollar amount between $.01 and $25,000 unless you and City National Bank agree otherwise.

Can I still write personal checks?
Yes.  The Online Bill Pay service provides you with an electronic option through Online Banking to send payments to your payees.  Your paper checks are still valid if you decide to use them.

When will the Payee receive my payment?
The payee will typically receive the payment from Online Bill Pay two to four business days after the Send On date you enter.  The calendar within bill pay will show you when the payment is expected to be delivered to each payee.

What is new with enrolling in Online Bill Pay?
When using Online Banking, you can enroll in Online Bill Pay and select a starting check number for payments for each eligible funding account. If you don't enter a starting check number, a default starting check number of 9,000 is used for your online bill payments sent via Draft check.

Where can I view the check number for Online Bill Payments that are not yet paid?
In-process bill payment transactions are displayed in the Show Scheduled Transactions view on the Account Activity page.

  • The check # appears in the 'Payment Type' field.
  • The direct check number appears 'Paid From'
  •  If you have a payment exception limit that is already over $25,000, your payment limit will not change.