General Questions:

• What are the main payment features of Business Bill Pay?
• When does City National take the money out of my account?
• Is Business Bill Pay secure?
• Can I view my payment history?
• Can I obtain the canceled checks or proof of payment?
• What do I need to enroll for Business Bill Pay?
• How are user responsibilities separated within Business Bill Pay?
• Does Business Bill Pay support E-Bills or online bills sent to me?
• What happens if I initiate a payment but do not have funds in my account?
• What happens if City National improperly completes a payment?

• How do I set up Business Bill Pay payees?
• What date do I put in the Deliver By field?
• What is the maximum payment amount permitted?
• How far in advance should I set up payments?
• Can I set up recurring payments?
• How do I know if a payment was sent and received?
• How do I change or cancel a payment?
• What reporting capabilities do I have with Business Bill Pay?

• Whom can I pay?
• Are all payments sent to payees electronically?
• How do I know whether a merchant will receive an electronic payment or a check?
• What do payees actually receive?

• Set up automatic payments for recurring expenses of same amounts, such as rent or mortgage payments.
• Make one-time payments for different amounts at different times, such as the telephone or electrical power bill.
• You may send money to any company or individual in the U.S.
• Review pending payments, make changes or cancel them.
• Set up other employees to create or approve payments and specify create and approve payment limits for each user.

Funds are withdrawn from your account on the Deliver By date for electronic payments. For check payments, the money will be drawn from the account whenever the check submitted for payment by the payee.

From the Payment Records tab, you can view all payments that are pending as well as up to 18 months of history for those that have been processed. You may also perform a transaction search by date, payee, payee category, payment account, or by who initiated the payment.

If payments are made by check, each check will be assigned a check number which may be viewed in Payment Records and can be used for tracking. If the payment is made electronically, it will be assigned a reference number which may be used for tracking as well. Otherwise, the proof of payment will be the amount credited to your account on the next bill you receive from the payee.

• A City National Bank business checking account
• Internet access
• An E-Mail address
• Internet browser (Microsoft Internet Explorer 6.0 or higher and Firefox 2.0 and higher are supported.)
• You must be enrolled in either City National Business Online or City National Treasury Net^SM service

The System Administrator may set up other employees to perform payment functions within Business Bill Pay. Go to the Bill Pay Administration tab to review and edit user access.

If your designated account does not have sufficient funds to pay the bill on the payment date, we are not obligated to make a payment. Please refer to the Terms and Conditions on the Business Bill Pay website and your Treasury Management Disclosure and Agreement for further information.

This service is provided through our partnership with Fidelity National Information Services, Inc. (FIS).  If FIS doesn't properly complete a Business Bill Payment on time or for the correct amount, FIS will pay any late payment-related charges up to $ 50.00. Please refer to the Terms and Conditions on the Business Bill Pay website for further information.

From the Payee Management tab there are two methods to add a payee:

• Option 1: Search an alphabetical list of payees that are set up within Business Bill Pay.
• Option 2: Enter the payee information manually. Use this option if you searched our database and were unable to find the payee, or if the payee you want to add is an individual or local merchant.

The date you should enter in the Deliver By field on the Make Payments tab is the date the payment is due or is the date that you want City National to send the payment.  If the actual due date falls on a non-business date, select a Deliver By date that is at least one business day before the actual due date.

To ensure that a payment is received by the payee on time, you must schedule the payment date a minimum of four business days prior to the due date. To make the service as convenient as possible, we've set it up so you can schedule payments up to one year in advance.   Alternatively, you can send an expedited payment that can be delivered the same day or next day for an additional fee.  The payment must be scheduled no later than 1 p.m. (Pacific Time) for same day delivery.