Payment Express Quick Reference Guide

Once Alpine Bank has provided you with an Alpine Online ID and Password you can begin banking online with Alpine Online and paying your bills with Payment Express.

To log into Alpine Online

Enter your Alpine Online ID and Password into the fields provided.
Click 'Submit'.

Once you are logged into Alpine Online, you will be directed to the main page. The main page lists tabs and drop down menus to help you navigate throughout Alpine Online and Payment Express.

Click on the 'Payment Express' tab above to begin.

You have the ability to set up multiple checking accounts, in which you have access to online, to pay bills from.

From the Payment Express sub-categories listed above, click 'Add Account'.
Select an account, to pay bills from, from the 'Select Account' drop down menu and click 'Submit'.
You have the option to choose your starting check digit (for check payment types). If you wish to change this from the default, do so at this time.
Once you have read the terms and conditions, click 'Accept'.

You will receive confirmation that your account was successfully set up.

From the Payment Express sub-categories listed above, click 'Payees'. This will direct you to your Payee List. Once at the payee list, all payees you have set up will be displayed. From this page you can edit, delete, or add a new payee.

Set up new payees by following the instructions below:

Click the 'Add Payee' button located on the right hand side of the page.
There are two payment types in which payments can be sent - Electronic or Check. Depending on how you set your payees up will determine if your payment will be sent electronically or by check.
Enter the payee name and state* and click ‘Submit’.
Once you enter and submit the payee name and state a search is then conducted for a matching electronic payee**. If your search did not bring back results, you may want to try searching again by trying different spellings or abbreviations. If one or more payee match is found, a list of those payees will be displayed. If your payee is available, click on the payee and you will be directed to complete the electronic payment type set up. Note: Payee type should read ‘electronic’ once you are directed to complete the set up.
If none of the payee results displayed are your payee, click where it say’s ‘Click Here’ and you will be directed to set this payee up as a check payment type.

* Entering the state where the payment is sent is optional.
** If the payee you are searching for is not listed here, that means the payee will not accept electronic payments from us and the payee will have to be set up as a check payee type.
Complete the remaining fields and click 'Submit'.

Note:

Payee Alias? You can assign each payee an alias to better describe the payee. For example: If you have two vehicles you pay insurance on you will have to set up two payees, you can give the payee an alias so that you know which payee is for which vehicle.
Account Number? Enter the account number with the company/person you are setting up as a payee, not your Alpine Bank account number.

From the Payment Express sub-categories listed above, click 'Payees'. This will direct you to your Payee List. Once at the payee list, all payees you have set up will be displayed. From this page you can edit, delete, or add a new payee.

To edit a payee follow the instructions below:

Next to the payee you wish to edit, click 'Edit'.
You can only edit the account number or alias. Enter a new account number or alias and click 'Submit'. Note: If you need to edit the address, you must create a new payee and delete the old one.

To delete a payee follow the instructions below:

Next to the payee you wish to delete, click 'Delete'.
Click 'Delete' once more to confirm.

There are two ways to set up payments. From the Payment Express sub-categories listed above, click either 'Add Payment’ or ‘Quick Payment’. Use the ‘Add Payment’ function to set up recurring payments or just one payment. Use the ‘Quick Payment’ function to set up one-time payments for multiple payees.

Add Payment instructions:

Once you've selected 'Add Payment', select an account to pay bills from.
Select the payee to make a payment to.
Enter the amount to pay.
Select a frequency and payment date (i.e. one-time, monthly, by weekly). Note: If a frequency other then one-time is selected, you must provide a start and expiration date. The start date, tells our system when to start sending the payment, the expiration date tells our system when to stop sending the payment (You can select 'This payment has no expiration date' if you would like the payment to go out indefinitely).

Misc. payment information (not required)
- Complete the memo line if you would like a memo printed on your payment (check payments only).
- Check mark the box provided if you would like to be alerted when we send out your payment - Alerts display on the main page of Alpine Online. This will not alert you when the payee has received your payment, it is to alert you that we sent the payment.
- The payment description helps identify what this payment was for. (for your use only)
Click 'Submit' to schedule your payment.

Quick Payment Instructions:

Once you've selected 'Quick Payment', check mark all the payee's you wish to pay and click 'Submit'.
Choose the date to send your payments.
Complete the memo line if you would like a memo printed on your payments (check payments only).
Select an account to pay bills from next to each payee.
Enter the amount to pay next to each payee.
Click 'Submit' to schedule your payments.

From the Payment Express sub-categories listed above, click 'Main'. This will direct you to your Scheduled Payments. Once at scheduled payments, all payments you have set up for payment will be displayed. From this page you can edit and delete payments.

Your payment schedule will show you every payment you have set up to be paid. If your payment schedule is empty, you do not have any scheduled payments – either no payment’s were set up to be paid or the payments you had set up to be paid have been sent out and can now be seen in your payment history.

From the Payment Express sub-categories listed above, click 'Main'. This will direct you to your Scheduled Payments. Once at scheduled payments, all payments you have set up for payment will be displayed. From this page you can edit and delete payments.

There are two ways to edit a payment:

Quick Edit

To Edit the memo line, payment amount, or the account to pay bills from, check mark next to the payments you wish to edit and click 'Quick Edit'.
Make the necessary changes and click 'Submit'.

More Edit Options

Click 'Edit' next to the payment you wish to edit. You will be able to edit any payment information for this payment.
Make the necessary changes and click 'Submit'.

To Delete a payment, follow the instructions below:

Click 'Delete' next to the payment you wish to delete.
Click 'Delete' again to confirm.

From the Payment Express sub-categories listed above, click 'History'. This will direct you to your payment history. Once at your payment history, all payments that have been sent will be displayed.

Click 'View' next to a payment to view more details - Processing times, confirmation numbers, etc.
View up to the past 60 days of payment history from the 'View Payment History For' drop down menu.
To look back even further or find payment history for a specific payee, click 'Select Range of Payment History', enter your search criteria and click 'Submit'.

Status Definitions - The status section on the payment history page will show you the status of your payment.

Processed or Processing - Your payment has been processed or we are currently processing your payment.
Failed or Failed NSF - (This affects electronic payments only) Our system checks for available funds to send an electronic payment, if the funds are not available, the payment will not be sent. However, our system will look for an available balance each day - the payment will go out as soon as our system see's available funds.
Failed Communication Error - This means that when we tried to process the payments we had trouble communicating with our bill payment vendor. In the event this happen, we keep trying throughout the day to process the payments. Check your history as you should see another entry where the payments status say's processed.

Electronic payments will debit your account the same day the payment is sent. Check payments will clear your account as regular checks do.
Please allow 3 business days for electronic payments and 10 business days for check payments.
The payment processing cut off times are 1:00am (MT) and 11:00am (MT). Any payment entered between 1:00am and 11:00am, on any business day, can be modified or deleted anytime prior to the 11:00am cut off. Any payment entered between 11:01am and 12:59am, on any business day, can be modified or deleted anytime prior to the 1:00am cut off.
If your scheduled payment date falls on a weekend or holiday, your payment will be processed on the business day before your scheduled payment date.