Photo by Jeffrey Newcomer.

Bill Payments

How to Enroll

All SBW customers have access to the Bill Pay Menu within Internet Banking. Go to Transactions and select Bill Pay to access this feature.

Already have Bill Pay and want to make some changes? Send us a Secure Message from Internet Banking and we will be happy to help.

Getting Started

With Bill Pay you can pay your electric company, your dog sitter, and even make your car payment. With Bill Pay you can:

  • Pay several bills at once or make one-time payments. You can also view your pending and recent payments.
  • Receive some of your bills electronically. We can receive electronic bills from hundreds of billers nationwide.
  • Set-up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
  • Review your bills and payments for the past 24 months

If you are paying a company, you will need your latest bill with billing account number, billing address, and phone number. If you are paying an individual, you will need their name, address, and phone number.

After you add the company or person to pay, the payee will appear within the Bill Pay Menu.

Note: Remember to keep your bill information updated. If the name, address, phone number, or account number changes, go to Advanced and click on Visit Bill Pay Site. There you can make the appropriate updates to ensure that the bill information is correct.

To get started, click on the Bill Pay Menu. You will see the disclaimer. Read the disclaimer, scroll to the bottom, and check the box to accept the disclaimer. Click Submit to continue.

Click here to take a test drive today!

Electronic vs. Check Payments

The Bill Payment system completes a search of each biller you add to see if they are available to receive electronic payments. If the biller is available to receive electronic payments the Bill Payment system will send the payment electronically, usually within three business days.

If the biller is not available to receive electronic payments, the Bill Payment system will generate a check and send the check in the mail. If we send the payment by check, it can take 7 business days for the biller to receive it. However, the estimated time of arrival may vary based on the postal service.

When is the money for the payment withdrawn from my payment account?

If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, Savings Bank of Walpole Bill Pay prints a check and sends it to the billing address. For payments processed as a check, the money is withdrawn when the company or person deposits (or cashes) the check.

Automatic Payments

There are two different types of automatic payments available for scheduling payments. If you receive eBills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also determine if the bill is to to be paid on the date it is due or on the earliest date available after you receive the bill.

You can also set up automatic payments to pay bills of a set amount at regular intervals.

Bill Reminders

Bill reminders are a helpful way to manage your bills. You can set up a reminder for when your payments are due, when your payments have been sent and when bills are past due.

You don't need to set-up online reminders for bills if you receive an electronic version of a bill since the reminders automatically appear as soon as you receive the bill. You also do not need to set-up reminders for bills if you have automatic payments set-up for that biller.

To set-up a bill reminder, go to Advanced and Visit Bill Pay Site, select a bill and then select the option to set-up reminders for the bill.


eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Pay account.

eBills are delivered directly to your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

To enable eBills go to Advanced and Visit Bill Pay Site.


Person to Person Payments allows you to add an individual as a payee and send them funds via email or phone.  To use P2P you will need to go to Transactions > Bill Pay.  Within the Bill Pay page you will need to go to Advanced and Visit Bill Pay Site.

There you will need to Add a Payee to Pay an individual.

Then you will need to select how the individual will receive their funds.

Enter the individual information.

Create a keyword.  You will need to provide this keyword to the individual to ensure that only the correct person can enter their account information.

Before the process is complete, you will be prompted to enter an activation code for this new payee.  Select where you would like to receive this activation code and enter it into the system.

Once the activation code process is complete:

  • Email will be sent to payees for them to enter in keyword and account information.
  • Once they do, they will become a permanent payee in your payee list and can receive payments at any time.
  • You will be notified by email once this process is complete.
  • Payees will have nine days to complete this step.
  • On the third and sixth days they will receive reminder emails asking if they would like to receive a payment.
  • If so, they would then need to click on the secure email link.
  • If the payee/individual fails to complete this step after nine days, the payee will be deactivated.