If you have further questions, please stop by or call Tri-State Bank of Memphis at 901.525.0384 between the hours of 8:30 am and 4:00 pm Monday -Thursday, and 8:30 am and 6:00 pm on Fridays. Our Whitehaven and Lamar branches have Saturday hours as well, or e-mail us at firstname.lastname@example.org, and we will be happy to assist you.
Payments submitted, recurring or one time, before 2:00 AM CST Monday-Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST. Payments received after 12:00 Noon CST on Monday-Thursday will be processed the next business day. Payments received after 12:00 Noon CST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.
If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.
Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.
Yes. You can “View Image” thru your transaction page online or you can contact the bank for this information.
Payment history for active and deleted payees is retained and viewable 19 months.
For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted.
For a CHECK payment, the checks are printed and mailed from Myriad Systems Incorporated in Oklahoma City, OK on the same day if they are processed Monday thru Thursday at 2:00a.m. CST then the 12 noon CST checks are mailed with the next business days 2:00 a.m. CST run. This schedule continues until Friday when all checks processed from 12 noon CST on Thursday and both the 2:00 a.m. CST and 12 noon CST Friday checks are all mailed on Friday; we do not hold any checks over the weekends. Allow 5 to 7 business days for a check payment.
Please note that we have no control over the U.S. Postal Service.
Electronic payments are validated against the available account balance prior to processing with a maximum limit of $500,000.00 with no minimum. Check payments settle against the customer’s account like any other check with a maximum limit is $9,999,999.99 with no minimum.
At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.
Only check payments can be stopped after the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.
You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.
Currently, a recurring scheduled payment can be set up in advance to any date in the future. A onetime payment can be set up to be sent 5 years in the future.
Processed – The payment has been processed and sent.
Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.
NSF payments will keep trying until one of the following happens: the funds become available; if it’s a recurring payment and it expires, or if you delete the payment.
Communication Failure-There was an error due to communication problems. The payment will try again during the next processing run.
Vendor Refund – Payment rejected at the electronic vendor.
There is no limit to the number of payees a customer can have.
The only thing that can be edited on an existing payee is the alias name on the account, and the account number. If the customer wants to change anything else, the payee must be deleted and re-entered.
Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.
You can set up payments in any of the following frequencies:
You may edit the dollar amount the next business day after the scheduled payment date.
Yes. Just set the payment date for a valid future date.
Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.
No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.
For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CT. Electronic payments submitted after 12:00 Noon CT are debited the next day during bill pay processing.
CHECK payment funds are debited from the account when the check clears your account at the bank.
CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
You may add, edit, or delete a payment up to 2:00 AM CT on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CT and 12:00 Noon CT it may be edited up until 12:00 Noon CT.
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