How Wow Bill Pay Works and What You Can Pay Through It

What Wow Bill Pay Does

Wow Bill Pay is the bill payment tool built into Wow's online banking platform. It lets you schedule payments to companies and people directly from your bank account, without writing checks or entering your payment information on each company's website separately.

When you set up a payee in Wow Bill Pay, you tell the system where to send money and how much. You can schedule a payment for today, tomorrow, or any date in the future. Wow then moves the money from your account on the date you choose and delivers it to the payee — either electronically if they accept it, or by mailing a check if they don't.

The main reason to use it is convenience: you manage all your bills in one place, see a history of what you've paid, and never have to remember due dates or log into multiple websites.

Key Takeaways

• Wow Bill Pay sends money from your account to any company or person you choose, on a date you set.
• You can pay most utilities, credit cards, insurance companies, and loan servicers, as well as individuals for rent or other debts.
• Payments typically arrive within one to three business days if sent electronically, or five to seven business days if mailed as a check.
• You can cancel or change a payment up until the day it's scheduled to be sent, but not after.
• Wow Bill Pay is included with most checking accounts and does not charge a separate fee.

How to Set Up Your First Payee

Before you can send a payment, you need to tell Wow Bill Pay who you want to pay. Log into your Wow online banking account and look for the Bill Pay section — it's usually in the main menu or under "Payments."

Click "Add Payee" or "New Payee." You'll enter the payee's name and mailing address. For companies, use the address where they want payments sent — this is often different from their customer service address and may be printed on your bill. For individuals, use their home address.

Wow will ask whether the payee accepts electronic payments. If you're not sure, say no — Wow will mail a check instead, which works for anyone. Once you've entered the information, Wow stores it so you don't have to type it again next time.

Scheduling and Sending a Payment

After your payee is set up, go to "Make a Payment" or "Send Payment." Select the payee from your list, enter the amount, and choose the date you want the money to leave your account.

The date you choose matters. If you pick today and it's a business day before 5 p.m., the payment may go out the same day. If you pick a future date, Wow will send it on that date. Remember that the payee won't receive the money when ready — electronic payments usually arrive within one to three business days, and mailed checks take five to seven business days. Plan ahead so the payee gets it by their due date.

Once you confirm the payment, it shows up in your Bill Pay history as "Pending." You can still cancel it up until the day it's scheduled to send. After that, it's on its way and you can't stop it.

What You Can and Cannot Pay

You can use Wow Bill Pay to pay almost any bill: electric, gas, water, internet, phone, insurance, credit cards, loans, mortgage, property taxes, and rent. You can also pay individuals — a roommate for utilities, a landlord for rent, a friend you owe money to, or anyone else with a mailing address.

The main limitation is that the payee must have a U.S. mailing address. You cannot use Wow Bill Pay to send money internationally. You also cannot use it to pay taxes directly to the IRS or state tax agencies — those have their own payment systems. For federal taxes, use IRS Direct Pay or EFTPS. For state taxes, check your state's tax department website.

Some very small businesses or individuals without a formal address may not work well with Wow Bill Pay, since the system needs somewhere to mail a check. In those cases, you might use a transfer to another bank account instead, or pay in person or by other means.

Delivery Methods: Electronic vs. Check

Wow Bill Pay uses two ways to deliver your money. If the payee is set up to receive electronic payments — most large companies are — Wow sends the money through the banking system and it arrives in one to three business days. This is faster and more reliable.

If the payee doesn't accept electronic payments, or if you chose the check option when setting them up, Wow prints a check with your name and account number, puts it in the mail, and it arrives in five to seven business days. The payee then deposits it like any other check.

You don't choose which method happens — Wow decides based on whether the payee is in their electronic network. When you set up a payee, Wow tells you which method will be used. If you're not sure a company accepts electronic payments, it's safer to choose the check option to avoid delays.

Viewing Your Payment History and Receipts

Wow keeps a record of every payment you've sent through Bill Pay. In your Bill Pay section, look for "Payment History" or "View Payments." You'll see a list of all payments, including the date you scheduled them, the amount, the payee, and the status — whether they're pending, sent, or delivered.

This history is useful for two reasons. First, you can see exactly what you've paid and when, which helps you track your bills. Second, if a payee says they never received a payment, you can show them the date Wow sent it and follow up from there.

Most payments show a delivery date once they've been sent. If a payment is late — more than a few days past the date it should have arrived — contact Wow customer service with the payment details. They can investigate whether the payment was lost and may be able to resend it or refund the amount.

Protecting Your Account While Using Bill Pay

Wow Bill Pay is connected to your checking account, so treat it with the same care you'd use for any account access. Use a strong password for your online banking login, change it regularly, and never share it. If you use a shared computer, log out completely when you're done.

Be careful when adding payees. Double-check the mailing address, especially for individuals — a typo could send your payment to the wrong person. Once a check is mailed, you can't recall it, so verify the address before you confirm.

If you notice a payment you didn't authorize, or if your account is compromised, contact Wow when ready. Most banks have fraud protection for unauthorized transfers, though the rules vary. The sooner you report it, the better your chances of recovery.

Frequently Asked Questions

Can I set up automatic recurring payments?

Yes. When you create a payment, Wow usually offers an option to repeat it — weekly, twice a month, monthly, or on a custom schedule. Set it once and Wow sends the payment on the dates you choose. You can edit or cancel a recurring payment anytime, and you can still see each individual payment in your history.

What happens if I schedule a payment but don't have enough money in my account?

Wow will attempt to send the payment on the date you chose. If your account doesn't have enough funds, the payment may be rejected and you'll likely be charged an overdraft fee. It's your responsibility to make sure the money is there. Check your balance before confirming a payment, or set up a buffer so you don't accidentally overdraw.

How do I cancel a payment I already scheduled?

Go to your Bill Pay history, find the payment, and look for a "Cancel" or "Delete" option. You can only cancel payments that haven't been sent yet — once the payment has left your account, it's too late. If you need to stop a mailed check, contact Wow right away, though they may not be able to intercept it in time.

Is there a fee to use Wow Bill Pay?

Wow Bill Pay is included with most checking accounts at no extra charge. Check your account terms or call Wow customer service to confirm your account includes it. Some specialty accounts may have different rules, so it's worth verifying.

What if a payee says they never got my payment?

Check your Bill Pay history for the payment date and delivery status. If Wow shows it was sent, give the payee that date and ask them to check their records — checks sometimes take longer than expected, or they may have been misfiled. If the payment is very late, contact Wow with the details and they can investigate. You may be able to resend the payment or dispute the charge if it was truly lost.