Frequently Asked Questions Getting Started with Paytrust How Paytrust Works Paytrust Capabilities SmartBills™ Privacy and Security Client Services	Getting Started With Paytrust How do I get started with Paytrust? What are the differences between Complete Bill Management and the Bill Pay Plus service What Web browsers do you support? Can I set up a joint account in Paytrust? Do I have to change banks? Do I have to have online banking to use Paytrust? How do my payees know I am using Paytrust? How long before I begin to get my bills through Paytrust? Do I have to use Paytrust for all my bills? What do I need to do to use the Paytrust SmartBalance™ feature? How do I obtain a copy of my Subscriber Agreement? How do I get started with Paytrust? You can complete your online enrollment in Paytrust by clicking on the Enroll Now button at the top of this page or by calling Paytrust. Click here to contact us. What are the differences between Complete Bill Management and the Bill Pay Plus service? Complete Bill Management allows members to receive, review, pay and organize all their bills online. Bills are sent to a Paytrust Processing Center and scanned for posting to your account or arrive electronically from your biller. Bill Pay Plus allows members to make payments online, but they will continue to receive paper bills at home. To learn more about the differences between Complete Bill Management and Bill Pay Plus, click here. What Web browsers do you support? Paytrust supports the most popular Web browsers, including Internet Explorer 4.0 and above, Netscape 4.0 and above, and AOL. If your browser is not version 4.0 or above, you can update it by clicking on one of the links below. Internet Explorer users click here. Netscape users click here. AOL users click here. Please note: To maintain the industry-leading security of Paytrust, you must login to the Bill Center using the highest level of data encryption (128-bit). Can I set up a joint account in Paytrust? Yes, you can have a joint account with Paytrust. Paytrust even lets you pay bills from multiple bank accounts, if you would like. For joint accounts, each subscriber must have check-writing privileges. Do I have to change banks? No. Paytrust works with any bank or transaction account that allows check writing privileges. Do I have to have online banking to use Paytrust? Paytrust works with your current bank and does not require online banking. However, use of the SmartBalanceTM feature does require access to an online bank account. How do my payees know I am using Paytrust? When you enroll in Paytrust, and any time afterwards, you can select which of your bills you would like to receive online. Paytrust works with any of the payees you have today. Paytrust will assist you in notifying your payees to send your bills, either electronically or by mail, to your Paytrust account for online delivery in the Bill Center. How long before I begin to get my bills through Paytrust? You can immediately register a payee, and make a payment through the Paytrust Bill Center. However, it typically takes a few weeks, or until the next bill cycle, for your first bill to arrive online through Paytrust. Do I have to use Paytrust for all my bills? No, Paytrust is compatible with all of your current payment processes, including your checkbook and online banking. You decide which bills you want to receive and/or pay through Paytrust. What do I need to do to use the Paytrust SmartBalance™ feature? The Paytrust SmartBalance™ feature is the combined balance of your continuously updated online bank account activity (including ATM withdrawals, deposits, debits, etc.) and your up-to-the-minute Paytrust bill payment record. With SmartBalance, you get the most updated and accurate picture of your bank balance. In order to use the SmartBalance feature you need to establish an online account with one of the SmartBalance enabled banks. How do I obtain a copy of my Subscriber Agreement? You can print a copy of your Subscriber Agreement using your browser's print function.