Bill Pay
WTB Online’s Bill Pay system makes paying bills online simple. With just a few clicks, you can pay all your bills at once. Pay all your monthly bills from one easy location. Schedule one-time or recurring bill payments. Set reminders for upcoming bills.
- Payments sent by "check" act just like regular checks written from your account. Funds will not be removed until the payment check is cashed. Undeliverable checks will be returned to you.
- Payments are processed at noon (PT) each business day. Payments made after 12 p.m. will be processed the following business day.
- If your account has insufficient funds, electronic payments will not be sent until your account has the funds available to cover the payment. Electronic payments will be attempted up to three consecutive days until sufficient funds are available. After three attempts, your payment will be cancelled and must be initiated again by you. Do not resubmit your payment during the payment process as duplicate payments may occur.
- Check and account numbers display on payments sent by check through Bill Pay, just like regular checks.
Payments
How do I set up a payment to an individual?
When adding a payee, choose the Pay a person option. Whether you have their deposit account information or not, there are options available to send your payment.
When adding a payee, choose the Pay a person option. Whether you have their deposit account information or not, there are options available to send your payment.
Can I make payments on a holiday or weekend?
No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.
How do I set up recurring payments?
To set up a recurring payment, click the Make it recurring link located in the Action column of your payee on the payment page. Enter the amount; select the Pay from account and the frequency you want your payments to be automatically scheduled.
Can I see payments that will process more than 45 days from now?
Yes. You can view all your scheduled payments by clicking the "View more" link located in the pending section of your payment page, or the "View pending transactions" link located in the schedule payment section of your payment page.
Note: Recurring payments will only display the next scheduled payment in the series.
Is there a cut-off time for editing or stopping a payment?
Yes. You may edit or stop a payment prior to 12 p.m. PT on the date the payment is scheduled to process.
What’s my transaction history?
Your transaction history helps you keep track of your payments with customized reports and provides a detailed timeline of each transaction that you’ve scheduled within bill pay.
How long are records stored in my transaction history?
Your transaction history will allow you to view transactions up to 18 months from the current date.
Rush Payments
What’s a rush payment?
Rush payments can be used to send a payment to be delivered the next day or two days from the scheduled date. For payments remitted electronically, the rush option guarantees next business day delivery instead of one to two business days. Fees will apply.
Rush payments can be used to send a payment to be delivered the next day or two days from the scheduled date. For payments remitted electronically, the rush option guarantees next business day delivery instead of one to two business days. Fees will apply.
Note: Payments must still be scheduled by 12 p.m. PT to process the same day.
How do I rush a payment?
If you have a bill that’s too close to the due date for comfort, you can use the Rush Delivery link to select a guaranteed delivery option.
Can I track a rush payment?
Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in your transaction history when you view the details.
Payment Processing
How are my payments processed?
Payments may process electronically or by check, and electronic payments may process using what we call a virtual credit card. The goal is to deliver your payment using the fastest method available for your payee.
Payments may process electronically or by check, and electronic payments may process using what we call a virtual credit card. The goal is to deliver your payment using the fastest method available for your payee.
Why does my payment look like it came from somewhere else?
Merchants (your payees) establish relationships to receive electronic payments through different payment processors. These processors partner with one another so that more payments can be sent electronically. This means your payment gets there faster.
My payment looks like it was made using a Discover or MasterCard. Is that secure?
Virtual cards used to make payments are single-use and aren’t tied to your account. Virtual card processors only receive information that’s required to make your payment and don’t have access to your bank account information.
Will my payment always process the same way?
Not necessarily. If your payee establishes new electronic payment relationships or discontinues them, your payment may be impacted. A check payment may start processing electronically, or vice versa, depending on your payee.
Do virtual card payments cost me anything?
We don’t charge for virtual card processing for online bill payments. However, if the recipient of your Bill Pay payment (merchant/payee) charges a fee for processing virtual card payments, it is possible a fee will result. If you incur a fee due to virtual card processing, please contact our Priority Service Team at 800.788.4578
Pay From Account
Can I add another Pay From account?
Pay From accounts can be added by accessing the Manage payments option, choosing My Account, and clicking the My Account, link located in the Pay From account section. Your new Pay From account will be available, once approved, in one to two business days.
Pay From accounts can be added by accessing the Manage payments option, choosing My Account, and clicking the My Account, link located in the Pay From account section. Your new Pay From account will be available, once approved, in one to two business days.
How do I edit Pay From account information?
Within the Manage payments section, Pay From accounts can be edited by accessing My Account, clicking the View Accounts, link and clicking edit next to the Pay From account.
Message Center
What are messages for in Bill Pay, and how does it work?
The messages feature within Bill Pay allows you to receive communications regarding your payments and payees.
The messages feature within Bill Pay allows you to receive communications regarding your payments and payees.
How long are my messages stored?
Messages are retained for 180 days from the date the message was received or sent (replies only) and will be systematically deleted after that time.
Miscellaneous Questions
How do I schedule an alert or reminder for myself?
Within the Manage Payments section, click My Account and use the View Alerts link under the Notifications section of the page to set notification preferences within your Bill Pay account. To add a reminder from the payment page, click the payee name and use the Add reminder link to have notifications sent to your phone or email when a payment is due.
How do I change my personal information?
Under My Account, within the Manage payments section, click the View/Edit button under the personal information section to review or edit your information.
You can also update your information by calling Priority Service or visiting your local branch.
Cut-Off Times
Digital Banking Services
| Type | Cut-off Time |
|---|---|
| Bill Pay | 12 p.m. PT |
| Mobile Deposit | 8 p.m. PT |
| Stop Payment | 8:45 p.m. PT |
| Transfers, Loan Payments, and Loan Advances | 9 p.m. PT |
Business Digital Banking Services1
ACH2
| Type | Cut-off Time |
|---|---|
| ACH Batch (Payments and Collections) | 5 p.m. PT |
| ACH File Upload | 5 p.m. PT |
| Same Day ACH Origination (First Window) | 6 a.m. PT |
| Same Day ACH Origination (Second Window) | 10 a.m. PT |
| Same Day ACH Origination (Third Window) | 12 p.m. PT |
| Type | Cut-off Time |
|---|---|
| ARP Positive Pay (for checks) | 11 a.m. PT |
| Reverse Positive Pay (for checks) | 11 a.m. PT |
| Payee Positive Pay (for checks) | 11 a.m. PT |
| ACH Positive Pay (for ACH debits) | 11:00 a.m. PT |
| Positive Pay Issue File Import | 8 p.m. PT |
| Type | Cut-off Time |
|---|---|
| Wire Transfer (international U.S. Dollar-Denominated) | 1:30 p.m. PT |
| Wire Transfer (Domestic) | 2 p.m. PT |
Wires
Incoming domestic wire transfer instructions:
To receive incoming wire from another financial institution to a Washington Trust Bank account, please provide the sender with the below set of incoming wire instructions to avoid processing delays.
Please note: the bank’s method of notification for wires is by mail or fax.
| Beneficiary Bank: | Washington Trust Bank |
|---|---|
| Beneficiary Bank ABA/Routing #: | 125100089 |
| Beneficiary Bank Address: | 717 W Sprague Ave., Spokane, WA 99201 |
| Beneficiary Name and Address: |
Account Holder 1 Name
Account Holder 2 Name
Primary Address
|
| Beneficiary Account #: | Account Number |
Incoming foreign wire transfer instructions
To receive an incoming wire from a cross-border counterparty in either U.S. dollars or foreign currency, please provide the sender with the below set of incoming foreign wire instructions to avoid processing delays.
Please note: the bank’s method of notification for wires is by mail or fax.
|
Beneficiary Bank SWIFT/BIC Code:
Field 57A
|
WTBAUS66 |
|---|---|
| Beneficiary Bank Name: | Washington Trust Bank |
| Beneficiary Bank Address: | 717 W Sprague Ave., Spokane, WA 99201 |
| Beneficiary Name and Address: |
Account Holder 1 Name
Account Holder 2 Name
Primary Address
|
|
Beneficiary Account #:
Field 59
|
Account Number |
|
Remitter to Beneficiary Reference Information:
For example: Invoice or PO number.
Field 70
|
Reference Information |
Note: The field numbers listed above are provided in reference to SWIFT MT103 payment message type for cross-border wire transfers, should they be needed.
If you have any questions or need assistance sending funds to Washington Trust Bank, please contact Priority Service at 800.788.4578.
2025
| Year | Holiday | Day of Week | Date |
|---|---|---|---|
| 2025 | New Year's Day | Wednesday | January 1, 2025 |
| 2025 | Martin Luther King Jr. Day | Monday | January 20, 2025 |
| 2025 | Presidents Day | Monday | February 17, 2025 |
| 2025 | Memorial Day | Monday | May 26, 2025 |
| 2025 | Juneteenth National Independence Day | Thursday | June 19, 2025 |
| 2025 | Independence Day | Friday | July 4, 2025 |
| 2025 | Labor Day | Monday | September 1, 2025 |
| 2025 | Federal Holiday | Monday | October 13, 2025 |
| 2025 | Veterans Day | Tuesday | November 11, 2025 |
| 2025 | Thanksgiving Day | Thursday | November 27, 2025 |
| 2025 | Christmas Day | Thursday | December 25, 2025 |
Important information:
- Requests submitted prior to the cut-off time will post the same business day. Those submitted after the cut-off time will post the next business day.
- Subject to credit approval.
- Exception items will generally be available by 7 a.m. PT.