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Payment Questions
Why does my checking account statement show that you electronically debited the amount of the check I mailed to you? Does Omega offer automatic payment? I would like to mail a check, however, I have misplaced the return payment stub. What do I do? I have misplaced the return envelope Omega provided with my statement. What is the mailing address for payments? If my payment is postmarked by the due date on the statement, is it considered on time? How long will it take for Omega to receive and apply the payments that are mailed? May I mail a money order rather than a check? What credit cards does Omega accept? Does Omega accept debit/check cards? How do I pay with my credit or debit card? Is there a fee for paying by credit/debit card? Why does Omega need my phone number in order to process my credit/debit card payment? Is my credit/debit card payment applied to my account the same day it is submitted? When will I receive credit for card payments submitted during non business hours? Why must I login to Member Access Plus to pay my balance by check online; however, when paying by credit card, I do not? Billing/Statement Questions There is an insert with my statement that says my account is subject to miscellaneous charges. What does that mean? Is there a grace period after the due date printed on my statement? Why are late fees charged? There is a message on my statement that says a prepayment discount is offered if I pay a certain amount by a specified date. Do I pay the amount shown in the message, or do I deduct the discount from the amount shown? According to my statement, the deadline to qualify for the prepayment discount is today. If I make a credit/debit card payment today, will I still receive the discount? How is an inquiry/dispute on my account handled? How can I find out what the total cost for the year will be? Payment Questions Why does my checking account statement show that you electronically debited the amount of the check I mailed to you? Electronic processing allows us to process payments in a more timely manner while increasing focus on accuracy. Please note that your account will only be debited each time a check is received, so you remain in control of when you pay. Your account will not be automatically debited on a recurring basis. Does Omega offer automatic payment? Automatic payment is not available at this time. I would like to mail a check, however, I have misplaced the return payment stub. What do I do? You may simply reference the member's account number on your check and the payment will be applied as usual. I have misplaced the return envelope Omega provided with my statement. What is the mailing address for payments? Omega Financial P.O. Box 2207 Columbus, GA 31902 If my payment is postmarked by the due date on the statement, is it considered on time? No. Payments must be received by our office on or before due date in order to avoid a late fee. How long will it take for Omega to receive and apply the payments that are mailed? Please allow 7-10 business days for the postal service to deliver your payment. Payments received via the U.S. postal service are applied to your account the same day they are received by our office. May I mail a money order rather than a check? Yes, Omega accepts money orders, and money orders should be used in place of cash. What credit cards does Omega accept? We accept all major credit cards. (Visa, MasterCard, American Express, and Discover) Does Omega accept debit/check cards? Yes. We accept any debit cards that are imprinted with any of the above card logos, and, please note that we also accept online checks through our website at no charge. Online check payments must be submitted and approved prior to 2:00 p.m. ET on a business day in order to receive credit the same day. How do I pay with my credit or debit card? Card payments may be submitted online 24 hours a day through our website, or 24 hours a day via our toll free automated system by dialing 888-691-3021. You may also speak with a Customer Service Representative, who will be glad to take your payment information, by dialing 800-276-6342. Representatives are available Monday through Friday, 8:30 a.m. until 5:00 p.m. ET. Is there a fee for paying by credit/debit card? There is no fee to a member for choosing to pay by credit or debit card. Why does Omega need my phone number in order to process my credit/debit card payment? Your phone number is needed for verification purposes and/or so that we may notify you in the event that your payment was unable to be processed. Omega will not use your phone number for solicitation purposes. Is my credit/debit card payment applied to my account the same day it is submitted? Provided the payment is submitted during normal business hours, prior to 5:00 p.m. ET, and is authorized by the associated financial institution, you will receive credit for the payment the same day. When will I receive credit for card payments submitted during non business hours? Payments received during non business hours are processed the first business day following the day of submission, and are applied to the account upon authorization from the associated financial institution. Why must I login to Member Access Plus to pay my balance by check online; however, when paying by credit card, I do not? Omega Financial requires you to login to Member Access Plus in order to pay by check online to specifically address NACHA regulations and known security risks. Conversion of a paper item (check) to an electronic transaction is a relatively new payment option, especially when compared to online payment by credit card. As such, regulations are very specific in an effort to reduce risk to all parties involved. One industry concern is that checking account numbers are more available and therefore, subject to fraud more so than credit cards may be. For example, when an individual writes a check to a vendor, the individual's checking account number and routing number are on the check. NACHA requires Omega to know WHO is submitting the payment on-line and therefore we must require you to login. Although this may be an added layer of complexity to Omega's users, the risk of fraud is reduced. When comparing credit card fraud recourse to that of online check fraud we find the two to be quite different. Credit card holders have the right to dispute charges and, until further investigated, may not be liable for fraudulent charges on their card. Recovery from check fraud, however, is not as convenient to the end-user. NACHA imposes regulations on merchants who choose to offer an online check payment option in an effort to minimize fraudulent payments and overall industry risk. As regulations change, Omega's requirements may as well. Omega is well informed of such regulations and will make adjustments as reasonable. Speaking to security on a larger scale, Omega Financial's entire site uses 128bit SSL security. As such, all communication to include online credit card payments are encrypted and secure. To see more specific information about SSL security on Omega's site, please refer to the VERISIGN icon at the bottom of any online payment screen. Billing/Statement Questions There is an insert with my statement that says my account is subject to miscellaneous charges. What does that mean? Miscellaneous charges refer to those charges that are not included in the scheduled base cost for the semester. An example of such charges would be chapter t-shirts, mugs, pictures, formals, etc. In the event that a miscellaneous charge is applied to your account, a statement reflecting the charge will be mailed to you on the next scheduled billing date. Is there a grace period after the due date printed on my statement? The length of grace periods are determined by your chapter and may vary by billing cycle or not be offered at all for some cycles. Payments must be received on or before the due date in order to guarantee that no late fee will be charged. Why are late fees charged? Your chapter's well being, as well as its ability to budget and meet financial obligations depends heavily on the on time receipt of payments from its members. Even slightly late payments can cause the chapter serious financial strain, therefore, most find it necessary to charge a fee for past due payments. There is a message on my statement that says a prepayment discount is offered if I pay a certain amount by a specified date. Do I pay the amount shown in the message, or do I deduct the discount from the amount shown? You must pay the exact amount shown in the statement message in order to qualify for the discount. The discount has already been accounted for and should not be deducted again. According to my statement, the deadline to qualify for the prepayment discount is today. If I make a credit/debit card payment today, will I still receive the discount? You will still receive the discount if your credit card payment is submitted and approved before 5:00 p.m. ET on the date of the deadline. Customer's paying by online check must submit their payment prior to 2:00 p.m. ET. How is an inquiry/dispute on my account handled? We have an Open Issues Manager to handle a question or dispute on your account. Often, a Customer Service Representative can answer your question on the spot. However, in the event you have a question we cannot answer or are disputing a particular charge, we will attach a note to your account, called an "Open Issue", requiring a response from your Chapter Administrator(s). We will then monitor the status of this issue and continually remind the chapter that you are awaiting a response. We can notify you via e-mail when a response if received if we have your e-mail on file or if you provide it when you contact us with your question. How can I find out what the total cost for the year will be? We will provide you with as much information as possible; however, most chapters establish charges on a semesterly or quarterly basis and cannot guarantee that the budget will not change from one term to the next. To view future scheduled charges for your member type category, you may log on to Member Access Plus to view your account online or contact Customer Service at 800-276-6342 and we will gladly give you the information we have on hand. |
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