clinen, don't use their Bill Pay. It sucks!
To zero my account before it was closed, I used their Bill Pay to transfer money to my account at another bank (like I was paying myself). I didn't get a confirmation. A week later, when the money hadn't left my account, I did it again. This time, I got a confirmation.
The receiving bank showed the transaction as coming through twice, with one transaction bouncing. I got a fee for that. I made Woodforest refund it, but it was worse than chasing payment from Cirrus.
"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton