ADD/CHANGE BILL PAYMENT

Microsoft Money 2008

To add, change, cancel, or inquire about a bill payment using Wachovia Online BillPay through Microsoft Money 2008, please use the following instructions.

Before You Begin
Step 1: About Essential Bills
Step 2: Schedule a single payment
Step 3: See if an online bill was paid
Step 4: Cancel a scheduled online payment
Step 5: About Advanced Bills
Step 6: Schedule an automatic payment (Apay)
Step 7: Edit details of a recurring transaction
Step 8: Cancel a recurring payment
Step 9: Troubleshoot online bill payment
For Additional Help

Before You Begin
Please review the following information regarding single payments:

• Single payment instructions are shared between Wachovia Online BillPay via the Internet and Microsoft Money. Wachovia’s Online BillPay is one convenient service with two access channels.
• A majority of online payments are processed electronically between Wachovia and your payee—as a result the normal processing time is two business days. However some payments are sent by paper check to the payee—in these cases the normal processing time is five-to-seven business days.
• Funds are withdrawn from your account when the payment is received by the payee.
• Payment instructions will be sent to the payee on the same business day when received prior to 2:00pm ET. Payment instructions received after 2:00pm ET will be sent on the next business day.
• Payment instructions scheduled on a weekend or bank holiday will be sent on the next business day immediately following the weekend or bank holiday.

Please review the following information regarding recurring bill payments:

• A single payment instruction from a recurring payment series will be created 30 days prior the processing date requested.
• A single payment instruction from a recurring payment series can be modified or cancelled.

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Step 1: About Essential Bills
Essential Bills is the streamlined bill scheduling and payment option that most users prefer. It offers all the tools you need to quickly and efficiently manage your bills. You don't have to spend time tracking bill and account details, so it's easy to pay both your recurring and regular bills. If you prefer tracking and managing bills, deposits, and transfers with more sophisticated and detailed tools, try using Advanced Bills.

Essential Bills lets you:

• Edit and pay multiple bills at one time. When you select multiple bills to pay, you can edit their payment information and submit them all at once, instead of submitting bills individually.
• Keep track of all your bills. Microsoft Money keeps track of every bill you schedule, so you can see right away when they're due and how they impact your account balance. View all of your scheduled bills in a list on the Bills summary page, or for the entire month on the bill calendar.
• Work directly from the bill calendar. The graphical calendar view makes it easy to work with your bills and deposits for an entire month.
• Set up recurring automatic payments (Apays). If you're signed up for Wachovia's Online BillPay service, you can have Money automatically pay bills according to a schedule you specify.
• Categorize your bills to help with budgeting. It's easy to make sure each bill is accounted for in your Money budget. You pick an appropriate category, like Utilities, and Money does the rest.
• View a history of electronic and manual payments. Quickly confirm that any scheduled payment was made on time.
• Split categories within a single payment. To make your Money budget even more accurate, specify exactly where every dollar is going.

Notes:

• To determine whether you're using Essential Bills or Advanced Bills, look for the Essential Bills or Advanced Bills label in the upper-right corner of the Bills summary page.
• To learn more, see the Pay bills online video. To watch the Money videos, on the Help menu, point to Instructional Videos, and then click a title.

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Step 2: Schedule a single payment
Note: The steps in this task vary depending on whether you use Essential Bills or Advanced Bills. To find out which type you’re using, look for the Essential Bills or Advanced Bills label in the upper-right corner of the Bills Summary page.

1. Go to the Bills summary page, under the Bills menu.
2. In the left pane under Common tasks, click Make a one-time payment or transfer.
3. Click Make an electronic payment, follow the instructions on the screen, and then click Schedule Payment.

Notes:

• If no payees display, you must add them manually. You can also add an account and let Money download your statement.
• To learn more, see the Pay bills online video. To watch the Money videos, on the Help menu, point to Instructional Videos, and then click a title.

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Step 3: See if an online bill is paid

1. Go to the Bills Summary page, under the Bills menu.
2. In the left pane, under Common tasks, click View electronic transactions.
3. In the Electronic payments and transfers sent in the last 60 days table, select the bill that you want to check, and then click Electronic Payment Status.

Notes:

• If the status is Sent, the payment has been submitted to the payee. If the status is Void, the payment has been successfully cancelled.
• You can only make changes to an online payment if the status is Scheduled.

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Step 4:  Cancel a scheduled online payment
You can cancel a scheduled payment any time before it has been sent.

1. Go to the Bills Summary page, under the Bills menu.
2. In the left pane, under Common tasks, click View electronic transactions.
3. In the lower pane, click the scheduled payment you want to cancel, and then click Cancel Payment.
4. On the Cancel electronic payment page, click Cancel Payment.

 Tip: You can right-click a scheduled payment for more options.

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Step 5:  About Advanced Bills
Advanced Bills offers detailed features for tracking and paying your bills. Although Advanced Bills requires additional setup and management time, it also allows you to exercise more control over your bills and bill payment.   If you prefer a streamlined approach to bills, use Essential Bills for basic bill tracking and payment options.

In Advanced Bills, you can:

• Add recurring deposits, transfers, paychecks, and investments. You're not limited to tracking just the money you pay out.
• Edit a single bill occurrence. Sometimes you need to change just one bill in a series. In Advanced Bills, you can change the payment amount for one bill at a time.
• Make electronic transfers. Set up automated transfers between any accounts you track in Money.
• Specify when a bill series will end. Set up an end date for any recurring payment and then forget about it.
• Print checks. Save time when paying bills. Print multiple checks at once, and use them just as you would personal checks purchased from your bank.
• Save draft payments to send later. Missing some bill details? You can still save a draft payment and finish it later.

Notes:

• To determine whether you're using Advanced or Essential Bills, look at the top right of the Bills Summary page. You'll see a label indicating Advanced Bills or Essential Bills.
• In you prefer a streamlined approach to bills, use Essential Bills for basic bill tracking and payment options.

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Step 6:  Schedule an automatic payment (Apay)
Automatic payments are recurring payments that Money makes based on the schedule you want

Note: The steps in this task vary depending on whether you use Essential Bills or Advanced Bills. To find out which type you’re using, look for the Essential Bills or Advanced Bills label in the upper-right corner of the Bills Summary page.

1. Go to the Bills Summary page, under the Bills menu.
2. Depending on your current setting, choose one of the following:
   • If you are using Essential Bills, click New.
   • If you are using Advanced Bills, click New, and then click Bill.
3. Enter the payment details.
4. Under Payment Information, in the Pay from list, choose an account with Wachovia online bill payment.
5. In the Payment method box, select Automatic payment (Apay). If you can't select Automatic payment (Apay), you didn't choose an account enabled for Wachovia online bill payment in the Pay from list.
6. Click Submit Payment Online.

Tip: If you are using Advanced Bills, you can enter an end date and the number of occurrences for an automatic payment.

Notes:
If no payees display, you must add them manually. You can also add an account and let Money download your statement.

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Step 7:  Edit details of a recurring payment
Note: The steps in this task vary depending on whether you use Essential Bills or Advanced Bills. To find out which type you’re using, look for the Essential Bills or Advanced Bills label in the upper-right corner of the Bills Summary page.

Edit a recurring transaction in Essential Bills

1. Go to the Bills Summary page.
2. Click the recurring transaction you want to edit, and then click Edit.
3. Make your changes, and then click OK.

Tip: You can't edit a recurring transaction that was set up as an automatic payment (Apay). To edit an Apay, cancel the payment, and then create a new one.

Edit a recurring transaction in Advanced Bills

1. Go to the Bills Summary page, under the Bills menu.
2. Click the transaction you want to edit.
3. Click Edit, and then click Edit bill series or Edit a single bill occurrence.
4. Make your changes, and then click OK.

Tip: You can't edit a recurring transaction that was set up as an automatic payment (Apay). To edit an Apay, cancel the payment, and then create a new one.

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Step 8:  Cancel a recurring payment

1. Go to the Bills Summary page, under the Bills menu.
2. Click the bill you want to cancel.
3. Click Delete, and then click Yes.

Tip: You can right-click a bill for more options.

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Step 9:  Troubleshoot online bill payment
Why didn’t a payment arrive on time?

If you sent an online payment directly from Money and it didn't arrive on time, you can find more information.

1. Go to the Bills Summary page, under the Bills menu
2. In the left pane, under Common tasks, click View electronic transactions.
3. Under Electronic payments and transfers sent in the last 60 days, click the payment you want to investigate, and then click Electronic Payment Status.
4. To send a message to the online bill pay service you used to send this payment, click Compose Message.

You can also set up the bill to be paid earlier in the future.  For payments you made through Wachovia’s web site, log on to wachovia.com or send us an email to request more information. If you're not sure whether you sent a payment, you can check its status. To learn more, see See if an online bill was paid.

Why can’t I pay my bills from some accounts?
In order to pay a bill online, you must have at least one account that allows online transactions. Wachovia Bank offers bill payment through Money.  To sign up for Wachovia Bank’s online bill payment through Money go to Getting started with Wachovia Bank, and then set up your account to use online bill payment. To learn more, see Set up an account.

Why can’t I pay some of my bills online?
You can pay most of your bills in Money using Wachovia’s online BillPay service.  The only payments you can't make are those that must be accompanied by an official form (such as tax payments or court-directed payments). Typical payments such as utility bills, mortgage, and other loan payments require only an account number.  If you use online bill payment, Money asks you for this information the first time you create the payment. For electronic payments through wachovia.com, you need to enter this information when you create the payment.

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