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4Front Credit Union

Scheduled maintenance Sunday, April 16 from 7:00 am - noon ET

Our virtual banking platform will undergo necessary maintenance Sunday, April 16 from 7:00 am - noon ET. During this maintenance period, Online, Mobile, and Telephone Banking will be unavailable.

We apologize for inconvenience incurred during this downtime as we work to implement this important update as rapidly as possible.

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Bill Pay

4Front's online Bill Pay gives you the ability to stay on top of your monthly finances with the utmost ease and turn-key efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills. Bill Pay is a quick and easy alternative to paying your bills online.

Control and Convenience  |  A simpler way to pay your bills

No stamps, checks, or envelopes. Just a couple of clicks, and your bill payments are mailed when and where you need them to be. Pay anyone in the United States that you would normally pay by check or automatic debit, even if you don't receive bills from them. With 4Front's Bill Pay you control who gets paid and when - best of all it's FREE!

Start Simplifying  |  Enroll in Online Bill Pay today

To enroll, simply click on the "Bill Pay" tab after you log into Online Banking.

Need assistance? Help for current Bill Pay users is only a telephone call away. Connect with iPay, our Bill Pay provider, by dialing 866.812.5979.

Bill Pay Frequently Asked Questions

Enrolling in Bill Pay is easy! Simply follow the five steps listed below...

1.       Log into you online banking account.
2.       Click on ‘Enroll in Bill Pay’ within the home screen of online banking.
3.       Click on the account you want to enroll, and then click on ‘Enroll in Bill Pay’.
4.       On the Agreement page, click on ‘I agree to enroll in Bill Pay’.
5.       On the success message, click on ‘Continue to Bill Pay’. The Bill Payment page appears.

Please note that Business Bill Pay is not accessed from inside online banking. Business Bill Pay may be accessed from the separate log-in box on the left side of our homepage.

There is not a limit on the number of payees that can be established.

The funds will be deducted from your account on the date the payment is processed, which is the date you've selected when scheduling the payment.

The estimated arrival date is displayed when scheduling the payment and it displays in the pending payment section.

You can reach out directly to the merchant or you can contact the Bill Pay service provider to report the issue.

The Bill Pay service provider can provide proof of payment.

You can I discontinue Bill Pay by calling a member service representative at 800.765.0110.


To view bill payments to a payee
1.       In the grid view in the Bill Pay page, find the bill whose payment history you want to view.
2.       Click on See Payment History. The card flips to show the payment history.
To hide bill payments to a payee
  1. In the bill payment history, click on Hide payment history.

Yes. You can access Bill Pay from the 4FrontGo mobile app.

To manage Bill Pay accounts:

1. In the Navigation menu, click on Transactions > Bill Payment. The Bill Pay page appears.
2. Click on Advanced > Manage Payment Accounts. The Manage Bill Pay Accounts page appears.
3. On the Manage Bill Pay Accounts page, select the check box for each account that you want to appear when you pay a bill. Clear the check box to remove an account from Bill Pay. You cannot remove the account that you selected when you enrolled in Bill Pay.
4. Click on Save.
5. Click on Close in the success message.

To add a bill payment payee:

1.       In the Navigation menu, click on Transactions > Bill Pay.
2.       Click on Advanced > Add a Payee.
3.       On the Add Payee page, do the following:
a.       Enter the name of the payee in the Name field.
b.      Select the type of payee from the Payee Type drop-down list.
c.       (Optional) Enter a nickname for the payee in the Payee Nickname field.
d.      Enter the Address for the payee. The address can include up to three address lines, along with the required City, State, and Zip.
e.      Enter the Area Code and Phone for the Payee.
f.        Enter the account number in the Payee Account Number field.
g.       Click on Save.
4.       When the success message appears, click on Close. The Bill Pay page appears with the new payee listed.

To edit a bill payment payee

1.       In the Bill Pay page, locate the payee that you want to edit, and then click on the edit icon for the payee. The Add Payee page appears.
2.       On the Add Payee page, make any needed changes, and click on Save.

When the success message appears, click on Close.

Unlike personal Bill Pay, Business Bill Pay is not accessed from inside online banking. Business Bill Pay may be accessed from the separate log-in box on the left side of our homepage and requires a separate set of credentials to do so.

Bill Pay service for personal accounts is free.

Business accounts receive 10 free transactions per month. There is a .75¢ charge for each transaction over 10.

There is a daily limit of $10,000 for both Personal Bill Pay and Business Bill Pay.

Bill Pay users may access enhanced Bill Pay assistance, including additional frequently asked questions and handy tutorial videos. From the Bill Pay section inside your online banking account, click the Advanced Options tab next to the "Search Payees" box and select All Bill Pay Features. Please note that you must be enrolled in Bill Pay to access the expanded Bill Pay site within online banking.

Users may also contact iPay, our Bill Pay provider, directly by dialing 866.812.5979.

Bill Pay is a service that 4Front offers as a benefit of both personal and business membership. Although there is no monthly charge for our membership, 4Front does incur a per-user charge from our Bill Pay provider. Bill Pay accounts that fall into inactivity continue to incur costs to your credit union. In order to extend the most value to our membership and avoid incurring fees for services that aren't being utilized, personal Bill Pay users will receive a deactivation warning via email after 60 days of inactivity and will be deactivated after 90 days of inactivity. Business Bill Pay accounts dormant after 60 days will not be deactivated, but will incur a monthly dormant fee.

Members whose personal Bill Pay account has been deactivated may enroll again within Online Banking. Please note, however, that the new personal Bill Pay account will not include any payment history from the previous Bill Pay account and any payees and/or recurring bill payments established in the previous account will need to be built again.

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