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Online Euro Bill Pay makes single and repeating payments within SEPA participating countries more convenient than ever. An IBAN, or International Bank Account Number, and BIC, or Bank Identifier Code, are part of the European standard that has been adopted as part of SEPA. In order to begin paying your local bills online, you will need to enroll in Online Banking and be aware of the IBAN and BIC for both yourself and the companies that you regularly pay.

What is an IBAN and BIC?

Your IBAN number is unique to each of your accounts, and may be found by clicking on the Show IBAN link next to your account on the main Online Banking page, to reveal the 22-digit number. You may also obtain the IBAN number from your local Community Bank associate, in person or by phone. Your IBAN does not replace your existing Community Bank account number and will only be used for electronic transactions with other businesses or individuals. Each IBAN number uniquely identifies an account, and should be protected as you do your account number.

Registered under Bank of America, N.A. Military Banking, your BIC number is MNBIDEF1.

Where do I find my payee's IBAN and BIC?

These numbers will be required to initiate single or repeating payments with companies. Generally, they are printed on the invoice, bill, or included in the contract details (e.g. rental contract) or you may need to contact the recipient directly.

What services are offered by the Online Euro Bill Payments product?

Customers may establish both single and repeating payments to companies that you regularly pay, such as landlords and utility services.

What is the daily cut-off time for payments to be entered into Online Euro Bill Payments?

The cut–off time is 4:00 p.m. U.S. Central Time.

How long will it take an Online Banking Euro Bill Payment to reach the beneficiary?

Processing times may vary, but the payment should reach the beneficiary within three business days from the execution of the payment.

What countries are currently participating in the SEPA Payments process?

The current countries participating in SEPA consists of the 33 EU Member States plus multiple other countries and territories.

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovak Republic
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • United Kingdom
How do I establish current and future-dated single and repeating Euro Bill Payments?
  • Open a checking account if you do not have one (Online Euro Bill Payments cannot be debited from a Savings Account).
  • Enroll in Online Banking if you have not already done so.
  • Obtain IBAN and BIC from the payee (individual or business) to which the payment is being made (in most cases, the IBAN and BIC should be printed on your bill).
  • Set up new Euro single or repeating bill payment through Community Bank Online Banking.
Is there a cost for Online Euro Bill Payments?

The fee for single and repeating Online Euro Bill Payments will be $1 per transaction. Organizational customers should contact their Community Bank representative for fee information.