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. Go to the Online Bill Payer site. If you are a first-time user of the service, when you arrive at the login page, click on the link labeled: "Not Already Enrolled?", and you will be transferred to the Enrollment page. Single Sign-on: As of June 17, 2008, you can sign in to the credit union's free Online Banking service, and you will have immediate access to Online Bill Payer. No additional passwords to enter. One "Single Sign-on" username and password gives you access to Online Banking, Online Bill Payer, and e-Statements.