Online Bill Payer - Introduction Online Bill Payer Is Free For Members Who Have A Personal Checking Account At St. Cloud Federal Credit Union Online Bill Payer is a free, convenient way to pay your recurring and one-time bills to almost any person or organization in the United States. You have complete control over the date your bills are paid. The free service is available to any member who has a personal checking account at the credit union, and who is already enrolled in our Online Banking service. Online Bill Payer is accessible only through Online Banking. Single Sign-on: When you sign on to the credit union's Online Banking service, you have immediate access to Online Bill Payer. No additional passwords to enter. One "Single Sign-on" username and password now gives you access to Online Banking, Online Bill Payer, and e-Statements, all free services. Contact the credit union to set up your Online Banking password.