Manage your bills effortlessly...from anywhere, on any device, anytime you like.

Pay your bills faster and with peace of mind using Bill Pay from Luminate Bank.

Luminate Bank's Bill Pay offers you the peace of mind you deserve. Our secure platform allows you to pay your bills electronically, monitor your account balances, and send secure person-to-person payments. You can relax knowing that every transaction is protected. To get started, simply log into your account and click on "Bill Pay" to enroll.

What are the advantages of using Bill Pay from Luminate Bank?

• Save time. With Online Bill Pay, you can receive and pay your bills online, all in one place. Say goodbye to the hassle of visiting multiple websites or making trips to the post office to mail checks. You can even set up recurring payments to automate your regular bill payments.
• Save money. Paying bills online eliminates the need for postage, envelopes, late fees, and checks. If you pay just 10 bills per month, you can save over $110 per year.
• Stay organized. Your payment history is neatly stored in your online account, so you won't have to sift through paper receipts or visit numerous websites to access past transactions.
• Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Set up reminders and automated recurring payments to ensure you never miss a bill payment.
• Save paper. Online Bill Pay means no more writing checks or mailing envelopes, which is not only convenient for you but also good for the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

Who can you pay with Online Bill Pay?

You can make payments to virtually any business or individual with a mailing address within the United States and Puerto Rico. Whether it's utilities, cable bills, credit cards, or individuals like your landlord, babysitter, or relative, Luminate Bank's Bill Pay has you covered.

How are payments delivered?

Payments may be processed electronically or by check. Electronic payments will either go through ACH or via virtual card, ensuring the fastest and most secure delivery method for your payee. All other payments are made by paper checks, which are sent through the U.S. Postal Service.

How long does it take before my payment is received?

Typically, your payment is received within 2 to 7 days, depending on whether it is sent electronically or via a paper check.

Is online Bill Pay secure?

Absolutely! Online Bill Pay is one of the safest methods to manage your bills. It guards against identity theft from lost or stolen checkbooks, bills, and statements, and enhances your privacy. Only you can access your account information, account numbers, and payment history. With real-time access to your payment activity, you maintain tighter control over your account's security.

Still have questions about our online Bill Pay? Just reach out!

Your privacy and security is important to us. We're happy to help answer your questions or alleviate any concerns about you have about using the online Bill Pay.