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Free Online Bill Pay

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Get started with Bill Pay Today!


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Don’t jump around from merchant site to merchant site to pay your bills every month. Take control and pay bills from one convenient place. You can save time and save money by eliminating the hassle of writing checks and buying stamps.

With FREE Online Bill Pay, you can view and pay all of your bills on our secure website.
You control how much and when to pay.

With Bill Pay you can:

  • Pay anyone, anytime
  • Schedule one time or recurring payments in advance
  • Stop or change payments, anytime
  • Add any bill quickly with just a few keystrokes
  • View your payment history on Bill Pay

Safe and Secure, Guaranteed.*

Bill Pay is the safe and secure way to pay your bills – we guarantee it! Every scheduled payment you make will be paid on time or we’ll pay your late fees.

*We will bear the responsibility for any late-payment-related charges (up to $50) should a payment arrive after its due date as long as the transaction was scheduled in accordance with Online Bill Pay’s terms and conditions.

Business Bill Pay

An expanded version of our online bill pay system - just for businesses. Save time, save money - and save the hassle of writing checks, matching invoices, and stuffing envelopes. You can receive and pay bills - all from your desktop with Business Bill Pay.

What sets Business Bill Pay Apart?

  • Adaptable - With Multiple Authority Layers, you have the option to assign employees as bill pay initiators only, requiring another employee or the owner to approve the payment before it’s sent.
  • Convenient - There’s no longer a need to print checks, stuff envelopes, add postage, or make trips to the post office. You don’t even need to wait for bills to arrive in the mail. With Business Bill Pay, you can receive and pay bills electronically - right from your desktop1. You can even include copies of invoices with your payments.
  • Fast - Business Bill Pay can help streamline your payables process. Payments may be as fast as overnight for certain billers.
  • Economical - Business Bill Pay can save you money versus sending a standard check. And, Business Bill Pay is FREE to try for the first month2. It costs just $10 per month after that. The first 20 payments are included with your service and additional payments are just $0.50 each.

Take control of your payables with Business Bill Pay.
Receive and pay bills electronically, right from your desktop.

Other fees may apply, Please contact us for more information.


Bill Pay Enhancements

All Arbor Bank checking accounts feature Free Bill Pay for standard payment usage.

There are enhancements that may be used at your discretion at an additional cost. If you'd like to sign up or add Bill Pay to another Arbor Bank checking or savings account, simply give us a call, or stop in.

Bill Pay Enhancements


A2A Transfers

Overnight Checks

Same Day Payments

General Description

Zelle® is available right from your online and mobile banking account and conveniently located in the same place where you pay your bills.

An easy way to transfer your money to/from your bank accounts elsewhere.

Need to make a payment by tomorrow? This is how you do it!

Need to make a payment today? Here's how!



$2.00/transfer outgoing. Free incoming.



How to access this service

Send and receive money with Zelle® right from Bill Pay online or our mobile banking app

Tab at the top of Bill Pay

Within your billers already added in Bill Pay

Within your billers already added in Bill Pay

How long will the pmt/transfer take?

Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®

Standard delivery time is 2-3 business days.

Next day delivery is guaranteed.

Same Day delivery is guaranteed.

Are there number and/or amount limits?

Click below to learn more about

Yes, transfer limits in both amount and frequency are visible on the 'Transfer Money' page after you schedule your first transfer.

Limited to your availability in your deposit account.

Limited to your availability in your deposit account.

Other limitations

You must have your recipient's email address or U.S. cell phone number.
Not available with Business Bill Pay.

Transfers to and from your own accounts only. One time account verifications at the other financial institution are required before your first transfer.

Not available with Business Bill Pay.

Biller must already be set up in Bill Pay.

Biller must already be set up in Bill Pay and have an established ACH relationship. (Currently 300+ do) Our Bill Pay system won't show a same day payment option if it's not available for that specific biller.

Misc Info and Extras

It is easy to get started. Simply log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, simply select the "Send Money With Zelle®" tab.

You have the ability to set up recurring or one-time transfers.
You also have the ability to set up email reminders if you wish.

If the biller already has an established ACH relationship with Check Free, our Bill Pay system allows next day payments at NO cost. (Overnight checks are only for billers who don't have an ACH relationship.)

You will receive an email confirmation of the payment. Payments can NOT be cancelled.


1 For certain billers.
2 Internet access required.

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