You will not be charged an NSF fee for these items. The system will NOT automatically reschedule a bill payment that was NSF once the funds are available. You will need to go back into online banking and schedule the payment again. Sometimes, very rarely, payments can get lost in the mail. If you do think you have a bill payment problem, it is most likely within the time it takes a payee to actually post a payment to your account.
Most bills have payment stubs that, when returned, help match a payment to an account.
Electronic bill payments never experience a problem, as long as the account number you set up is correct. Non-electronic payees are sent a check with your account number printed on it. Any error or special problems a merchant has in applying the payment will likely show up. Remember, always schedule your payments at least five business days prior to the due date on your bill . This gives ample time for the bill to arrive, and the merchant then has the entire grace period to properly apply the payment to your account.