There are two ways to send payments: you can directly transfer the money into your payee’s bank account with their account and routing number, or you can send a payment with our bill pay service.
One thing to note: Azlo is switching bill pay providers. As a result, you won't be able to schedule payments as far in advance as usual until the switch is complete on July 21. You can find all the details in this article.
How to pay billers
- Log in to Azlo on the web or our mobile app.
- Click or tap the Move money button.
- Type in the name of the company you’d like to pay. Many common billers are pre-filled; if you type their name, they’ll pop up as popular billers with a Pay Bill button.
- Enter your account number with the biller, the amount of your payment, and the date you'd like the payment to arrive. You'll see a calendar with the date the funds will be held and the date your payment will arrive.
If you aren't able to locate your biller on the list, go ahead and follow the steps below to mail a check instead.
Mailing a check
- Log in to Azlo on the web or our mobile app.
- Click or tap the Move money button.
- Type the name of the person you'd like to pay and select "Add contact."
- Enter their name and mailing address, then save the contact
- Select "Mail a check."
- Enter the amount of the payment and schedule the arrival date. You'll see a calendar with the date the funds will be held and the date your payment will arrive. If you're on a computer, you also have the option of adding a "Note to recipient," which will be printed on the check itself.
- Confirm and send the payment.
How are payments sent, and how long do they take?
- If your payee is part of our bill pay provider’s electronic network, the payment will be sent electronically and arrive within 1-2 business days.
- If your payee isn’t part of our bill pay provider’s electronic network, the payment will be sent as a mailed check. It will arrive within 5 business days.
Are there any limits?
- There’s a limit of $10,000 per payment (except in Florida, where the limit is $2,500 per payment, and New Mexico, where the limit is $1,000 per payment). That's it; there aren't any daily or weekly limits.
Prohibited payees
Our bill pay partner doesn't support a few specific types of payments, including tax payments, court-ordered payments, or payments related to controlled substances, firearms, tobacco, gambling, and other activities. You can find a complete list in their Terms and Conditions.
Payments vs. personal checks
- Azlo doesn't offer personal checks, and if you get checks printed elsewhere with your Azlo account and routing number, they won't work. Also, some companies will attempt to process payments with your account and routing number as eChecks, which are not supported.
- Mailed checks (which are sent by our bill pay partner) and payments are often a good alternative.
- One key difference is that with personal checks, the funds aren't withdrawn until the person you're paying cashes the check. With bill pay checks, the funds are withdrawn as soon as the check is sent—which makes accounting a little easier and ensures the check won't bounce for insufficient funds.