HBCU Virtual Branch on the Internet, the easiest, most convenient way to pay your bills. With Personal Interactive Credit Union PayIT^sm and BankIT^sm Services from Hanesbrands Credit Union, you’ll free yourself from all the hassles that make bill payment by mail time consuming.

No check writing, no stamps or envelopes.

When you get into Virtual Branch you will tell us whom you want to pay, how much and when - - and we’ll do the rest. It’s so easy to use PayIT and BankIT by Personal Computer on the Internet or by Touchtone telephone, wherever and whenever you want.

Experience life without the drudgery and aggravation of pay-by-mail.

Free PC Banking and Bill Payment
Maintain a checking account and your month-end value of all your credit union accounts is at least  $5,000.00.  Call for more detail: 1-(888)-222-7528 or (336) 519-7528. 

Don't qualify for free PC Banking or Bill Payment, you can still enroll with the following fees.

Perform the following transactions from your PC:

Account Histories, Transfers, and Statement Review  Cost per month is $1.49

Pay as many bills as you like, because this service features an unlimited number of Bill Pays.  Cost per month is $3.99

This includes unlimited bill payment. (There is a $20.00 merchant stop payment fee for a payment transaction that has been sent.)

Sign up today! Just fill out the HBCU Virtual Branch Application. Provide us with your share account number and the other accounts you want to have access through the Internet Virtual Branch. And enjoy the convenience of anywhere, anytime credit union services.

The freedom and conveniences you’ll get from PayIT and BankIT are so important, we haven’t even mentioned all the other advantages you’ll get with Personal Interactive Credit Union services from Hanesbrands Credit Union, at no additional charge. You’ll find them in the brochures that you receive when we receive your application.

Customer Service is available to help you with any questions you might have. You can call the Credit Union at: 1-888-222-7528   

To protect your information, change your password as soon as you log-on to the service. Once your checking account has been entered into the system and validated by the credit union, you can start paying bills through PayIT.

All Payments to your merchants are processed at 2:00 p.m. EST Monday through Friday. For same day processing, the payment would need to be scheduled before that time. Any payment scheduled on Saturday or Sunday will be processed the next business day.

Example of when to schedule your payment to reach your merchant by the due date.

Merchants are paid in one of two ways:

ELECTRONIC – Funds are sent via the RPS electronic network. You will know if a particular merchant is paid electronically if you are requested to make a payment 2 business days before the due date of that bill when you schedule the payment.

PAPER DRAFT – Funds are sent via a physical check through the US Mail on the day the merchant is scheduled to be paid. You will know if a particular merchant is paid by check if you are requested to make a payment 5 business days before the due date of the bill when you schedule the payment.

When scheduling payments, please count business days as payment processing days.

With PayIT, all funds are collected from your account on the day the payment is scheduled to be made, with one exception. If the vendor’s system or bank’s system is down when the payment processing is set to fun, funds are collected from your account via the Federal Reserve system and will post to your account 2 to 5 business days later. This will show on your transaction history as a "Pre-Autho EFT" and on your credit union statement as "EFT RPS". The payment to your merchant is sent on the day originally scheduled.

PayIT has a system limitation of $10,000 per single payment to a merchant per user per day. Some merchants may have set a lower limit. The PayIT system will tell you if the system or merchant limit has been exceeded.

If you set up a recurring automatic payment and the next pay date is the 1^st or 2^nd day of the month and that date falls on a weekend, PayIT will set the pay date to the prior Friday. This could result in two payments showing paid in the same month.

There is no Overdraft Protection for PayIT or BankIT. If funds are not sufficient to cover your scheduled payments or transfers, the transactions will fail. You may transfer funds from your savings account on your list of accounts to cover any shortages before the payment transaction happens.

Remember to Update your E-mail Address.   If you change Internet Service Providers, or even change your primary e-mail address, just log on to e-statements and update your email address. When you change your primary e-mail address the effect will be immediate.