Support Home Bill Pay Bill Pay (Payrailz)- Can a member change their default memo? Bill Pay (Payrailz)- Can a member change their default memo? Yes. If the member wants to change the default memo, they will need to make the change in the Manage/Update Biller page. Related Questions: Bill Pay (Payrailz)- Is there a fee for external transfers to your account at another institution? Bill Pay (Payrailz)-Do members have access to copies of check images for bill pay? Was this article helpful? Yes / No