IPAY is easy and convenient with no service fee as long as you make 4 payments per month. Starting from the date you sign on which is your anniversity date. Please go to the On Line Banking and sign in. Click on the tab BILL PAY and follow the instructions to use IPay. Remenber you must have a checking account to use I Pay. You can pay all your  bills safely on your computer. You can set up the day you want the bill to be paid, and you will  save on the postage. Please read all the information and also the terms and conditions. If you have any problems there is a live chat direct to a Representative at IPAYor you can call the help line found at the bottom of the screen .This site is VERY SECURE.