Business Online Bill Pay Terms and Conditions

Size: px
Start display at page:

Download "Business Online Bill Pay Terms and Conditions"

Transcription

1 Business Online Bill Pay Terms and Conditions This Online Bill Pay Terms and Conditions ("Agreement") is between Customer and Spring Bank for the delivery of Business Online Bill Pay as described below: Defined Terms As used in this Agreement, the following terms shall have the following meanings: Service means the Bill Payment Service offered through Spring Bank (E-Corp.) Agreement means these Terms and Conditions of the bill payment service. As used within this Agreement, you and your refer to the person enrolling in the Service as well as any authorized users of the Service that such person allows, subject to the parameters of multiple user access as set forth within the application. Payee is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be. Payment Instruction is the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date). Payment Account is the checking account from which bill payments will be debited. Billing Account is the checking account from which all Service fees will be automatically debited. Business Day is every Monday through Friday, excluding Federal Holidays. Processing Date is generally two (2) or five (5) Business days before the payment date that you select for each Bill Payment within Online Banking. Due Date is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period. Scheduled Payment is a payment that has been scheduled through the Service but has not begun processing. We, Our, Us, or Bank mean Spring Bank. Representation and Authority You represent and warrant that you are a commercial entity and will use the Service solely for business purposes. You acknowledge that the federal Electronic Fund Transfer Act and Regulation E do not apply to the provision of the Service by E-Corp to you and that the manner in which E-Corp will provide the Service as described in this Agreement is commercially reasonable. You represent and warrant that you are acting with full authority for the applying entity, and that you are duly authorized to execute this Agreement on behalf of the applying entity. Funds Transfer Limitations Federal Reserve Regulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as preauthorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per statement period for savings and money market accounts. The bank may impose an excessive withdrawal fee (service charge) for each transaction exceeding these limitations. 1

2 Payment Scheduling To use Bill Payment, You will provide Us with (a) the name and address of the Payee (the company or person that You are paying), (b) Your account number with that Payee and (c) any other information We require to properly debit Your designated checking Account with Us and credit Your account with the Payee. You agree to allow Us to process Your Bill Payment on the Processing Date, which is generally two (2) or five (5) Business days before the payment date that you select for each Bill Payment within Online Banking. You also agree that Your checking Account will have a sufficient Available Balance on the Processing Date. If Your Account does not have a sufficient Available Balance, We may repeat the attempt to debit your Account one or more times, until you have sufficient funds for our transfer request or until we elect to take another approach. However, we have no obligation to try debiting the Payment Account more than once. Service Guarantee Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. The Service will not bear responsibility for any late payment related fees should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling in this Agreement. Payment Authorization and Payment Remittance By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it received through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives. When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Accounts for payments returned to the Service by the United States Postal Service or Payee, or payments remitted to you on behalf of another user of the Service. We are responsible for processing your instructions and requests. We will be liable only for direct damages incurred as a result of our gross negligence and willful misconduct. We will not be liable for any damages: 1. if you do not have sufficient available funds in a Payment Account to complete a transaction from that account, or if that Payment Account has been closed; 2. if you have not properly followed the instructions on how to make a transfer or bill payment; 3. if you have not given us complete, correct and current instructions so that we can make a transfer or bill payment; 4. if you do not authorize a bill payment soon enough for your payment to be made and properly credited by the payee by the time it is due; 5. if we make a timely bill payment but the payee nevertheless does not credit your payment promptly after receipt; 6. if withdrawals from any of your Payment Accounts have been prohibited by a court order such as garnishment or other legal process; 7. if your computer or software is not working properly; 8. if your Internet Service Provider or other telecommunications provider is not available to transmit your requests and instructions to the bank; 9. if the U.S. Postal Service causes a delay; or 2

3 10. if circumstances beyond our control prevent making a transfer or payment, despite reasonable precautions that we have taken. Such circumstances include, but are not limited to, telecommunication outages, postage strikes, delays caused by payees, fires and floods. 11. There may be exceptions stated in our Terms and Conditions with you. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and if applicable, for any late payment related fees. Payment Methods The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. Spring Bank will remit payments either by transferring funds electronically to the payee or by mailing the payee a check. Payment Cancellation Requests You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no fee for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited. Stop Payments Requests The Service s ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Spring Bank at Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The fee for each stop payment request will be the current fee for such service as set out in the applicable Service Fee Summary. Processing The Bank will process electronic entries received in a timely manner via ACH to accounts at other banks in accordance with the operating rules of the National Automated Clearing House Association (NACHA Rules). The Bank is not responsible for delays in processing caused by circumstances beyond its control, including but not limited to errors caused by the Customer in inputting/releasing its transactions, machine or transmission facility malfunctions, or the action or inaction of the Electronic Payments Network or a receiving bank or any other party. The Bank will credit the Payment Account for items returned through the ACH and the Service will forward a notification electronically to the Customer. The Service may reject any entry that does not comply with the requirements as communicated to the Customer. Service shall notify the Customer, in case of rejection or returns. Service shall notify the Customer, in the case of rejection because of insufficient available funds electronically no later than the business day after such entry would otherwise have been transmitted by the Bank to the ACH. The Bank and Service shall have no liability to the Customer by reason of the rejection of an entry or the fact that such notice is not given at an earlier time than that provided for herein. The Customer has no right to cancel or amend any entry after it has been submitted. However, the Bank and / or Service shall use reasonable efforts to act on a request by the Customer for cancellation of an 3

4 entry prior to transmitting it to the ACH, or, in the case of an On-Us Entry, prior to crediting a Receiver s account, but shall have no liability if such cancellation is not affected. Prohibited Payments Payments may be only to Payees with a United States address. You agree to not make a Bill Payment of alimony, child-support, taxes or other governmental fees, or court-directed payments with Online Banking. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. Exclusions of Warranties THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Password and Security You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transaction they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must immediately notify Spring Bank at W. Bluemound Rd., Suite 100., Brookfield, WI or by phone at Errors and Questions In case of errors or questions about your transactions, you should, as soon as possible, notify Spring Bank by calling Disclosure of Account Information to Third Parties It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations: 1. Where it is necessary for completing transactions; 2. Where it is necessary for activating additional services; 3. In order to verify the existence and condition of your account to a third party, such as a Payee; 4. In order to comply with a governmental agency or court orders; or, 5. If you give us your written permission. Service Fees and Additional Fees Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and / or Internet service fees that may be assessed by your telephone and / or Internet service provider. 4

5 Dishonor of Transaction We have no obligation to extend credit to you under this Agreement. If for any reason, there are insufficient funds in your Payment Account to make a payment, we are not required to make the payment. We can in our sole discretion, do any, or more than one of, the following, as applicable: We can repeat the attempt to debit your account one or more times, until you have sufficient funds for our transfer request or until we elect to take another approach. However, we have no obligation to try debiting the Payment Account more than once. We can forward your payment despite the dishonor, in which case we can at any time thereafter charge your Payment Account to reimburse us for the amount of the payment. We can cancel the payment we have made to your Payee on your behalf and charge a fee to your Payment Account to obtain reimbursement for any fees we incur for stopping payment on our check or ACH payment to the Payee, plus the amount of the payment if our cancellation attempt proves unsuccessful (this could occur, for example, if we use a Spring Bank check to make your payment and the check is enforced against us by a holder-in-due-course). We can deactivate your Payment Account with us so that you may no longer make payments through the Service. We can use any avenues legally available to us to collect the amount due us in connection with the payment. Alterations and Amendments This Agreement, applicable fees and service fees may be changed by Spring Bank from time to time. In such event, Spring Bank shall provide notice to you. Any use of the Service after We provide you a notice of change will constitute your agreement to such change(s). Address or Other Changes It is your sole responsibility to ensure that your contact information is current and accurate. This includes, but is not limited to, name, address, phone numbers and addresses. Changes can be made either within the Service, or by contacting Spring Bank at If You contact us by phone, we may require You to confirm the change in writing. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information. Service Termination, Cancellation, or Suspension In the event you wish to cancel the Service, you must contact Spring Bank in writing at W. Bluemound Rd., Suite 100, Brookfield, WI , or by phone at If You contact us by phone, we may require You to confirm the request in writing. Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. Neither termination nor suspension shall affect your liability or obligations under this Agreement. Payee Limitation The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will electronically notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment under this Agreement. 5

6 Information Authorization Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. You agree that the Service reserves the right to obtain account information from your Payee (for example, to resolve payment posting problems or for verification). Assignment We may assign our rights under this Agreement to a company affiliated with us now or in the future. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties. No Waiver The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. Consent to this agreement By clicking the "I Agree" button at the bottom of this Agreement you represent to Spring Bank that you are authorized as the owner or on behalf of the owner of the designated Payment Account(s) to consent to and accept the terms of this agreement. SPRING BANK W BLUEMOUND RD., SUITE 100 BROOKFIELD WI Rev. 04/15/13 6

Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the Bill Payment Service offered by BankFinancial F.S.B. "Agreement" means these Terms and

More information

TERMS AND CONDITIONS OF THE BUSINESS BILL PAYMENT SERVICE

TERMS AND CONDITIONS OF THE BUSINESS BILL PAYMENT SERVICE TERMS AND CONDITIONS OF THE BUSINESS BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the bill payment service offered by Online BizPay through Bank Mutual. "Agreement" means these terms and conditions

More information

Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS

Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS This Attachment A to the Corporate Cash Management Services Agreement between NewDominion

More information

Bill Pay Agreement and Disclosure

Bill Pay Agreement and Disclosure Bill Pay Agreement and Disclosure INTRODUCTION This disclosure covers your and our rights and responsibilities concerning the Bill Pay Service offered by Cornerstone Financial Credit Union ( Credit Union

More information

"Service" means the bill payment service offered by Branch Banking & Trust Company (BB&T).

Service means the bill payment service offered by Branch Banking & Trust Company (BB&T). TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the bill payment service offered by Branch Banking & Trust Company (BB&T). "Agreement" means these terms and conditions

More information

EXPRESSnet Bill Pay. Personal Checking Accounts: FREE

EXPRESSnet Bill Pay. Personal Checking Accounts: FREE EXPRESSnet Bill Pay TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS Personal Checking Accounts: FREE Business Checking Accounts $10 per month for up to 15 transactions $.55 per transaction

More information

Payment Partner (Online Bill Pay) Terms and Conditions

Payment Partner (Online Bill Pay) Terms and Conditions Payment Partner (Online Bill Pay) Terms and Conditions A. Personal Users of Payment Partner B. Small Business Users of Payment Partner Atlantic Stewardship Bank s Payment Partner Terms and Conditions are

More information

Merrill Lynch Web Bill Pay Service Agreement

Merrill Lynch Web Bill Pay Service Agreement Merrill Lynch Web Bill Pay Service Agreement TERMS AND CONDITIONS This Merrill Lynch Web Bill Pay Service Agreement contains the terms and conditions governing the Merrill Lynch Web Bill Pay Service, including

More information

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the Bill Payment Service offered by your financial institution. "Agreement" means these Terms and Conditions of the

More information

INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT

INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT To gain access to the First Citizens State Bank Online Bill Payment Service, you must complete this First Citizens State Bank Online Bill Payment Service

More information

Bill Pay Service Definitions. "Service" means the bill payment service offered by Cornerstone Bank through CheckFree Services Corporation.

Bill Pay Service Definitions. Service means the bill payment service offered by Cornerstone Bank through CheckFree Services Corporation. Bill Payment Additional Terms and Conditions Addendum These bill pay terms and conditions are in addition to all other online banking and electronic transfers terms and conditions. Bill Pay Service Definitions

More information

Personal Online Banking / Bill Pay Terms And Conditions

Personal Online Banking / Bill Pay Terms And Conditions Personal Online Banking / Bill Pay Terms And Conditions The Online Banking Agreement and Disclosures (Agreement) apply to Your use of the Online Banking Service provided by Spring Bank, which permits You

More information

AGREEMENT FOR JBT ONLINE BILL PAY SERVICE

AGREEMENT FOR JBT ONLINE BILL PAY SERVICE AGREEMENT FOR JBT ONLINE BILL PAY SERVICE INTRODUCTION This is your bill paying agreement with JONESTOWN BANK & TRUST CO. (JBT). JBT Online Bill Pay Service ( Service ) allows you to direct JBT to make

More information

EASYPAY TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

EASYPAY TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE EASYPAY TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the bill payment service offered by your Credit Union and CU*Answers, Inc., through Fiserv Corporation. "Agreement"

More information

"Payment Account" is the checking account from which bill payments will be debited.

Payment Account is the checking account from which bill payments will be debited. TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE You may use Goldenwest Federal Credit Union s ( Goldenwest ) bill paying service to direct Goldenwest to make payments from your designated checking account

More information

Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service

Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service All references within this document to the terms "Payment Service" and/or "the Service" reflect the Online Bill

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement If you would like to have a paper copy of this Agreement sent to you, please send us an e-mail at netteller@usbhazen.com. This Netteller Online Banking Agreement (this Agreement

More information

Biller is the person or entity to which you wish a bill payment to be directed or from which you receive electronic bills, as the case may be.

Biller is the person or entity to which you wish a bill payment to be directed or from which you receive electronic bills, as the case may be. SERVICE DEFINITIONS Service means the Bill Payment Service offered by Edward Jones through Fiserv, Inc.. Agreement means the Terms and Conditions of the bill payment service. Biller is the person or entity

More information

LIBERTY BANK ONLINE BILL PAYMENT ( BILL PAYMENT SERVICE ).

LIBERTY BANK ONLINE BILL PAYMENT ( BILL PAYMENT SERVICE ). LIBERTY BANK ONLINE BILL PAYMENT ( BILL PAYMENT SERVICE ). 1. USING THE BILL PAYMENT SERVICE As used in this Agreement, the term Payee means the person or entity to whom you wish a bill payment to be directed;

More information

online banking, billpay & electronic services agreement

online banking, billpay & electronic services agreement online banking, billpay & electronic services agreement Password and Security You agree not to give or make available your Online Banking access password to any unauthorized individuals. You are responsible

More information

This document provides information about the Internet Bill Payment service.

This document provides information about the Internet Bill Payment service. LANGLEY FEDERAL CREDIT UNION TERMS AND CONDITIONS AGREEMENT FOR THE INTERNET BILL PAYMENT SERVICE This document provides information about the Internet Bill Payment service. 1. ELECTRONIC DISCLOSURE OF

More information

Online Bill Pay Terms and Conditions

Online Bill Pay Terms and Conditions Online Bill Pay Terms and Conditions TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Agreement" means these terms and conditions of the bill payment service. "Biller" is the person

More information

Bill Payment Service Agreement

Bill Payment Service Agreement www.starone.org Bill Payment Service Agreement 1. INTRODUCTION This Agreement is the contract which covers your and our rights and responsibilities concerning the Bill Payment Services offered to you by

More information

INTERNET BILL PAY SERVICE AGREEMENT AND DISCLOSURE

INTERNET BILL PAY SERVICE AGREEMENT AND DISCLOSURE INTERNET BILL PAY SERVICE AGREEMENT AND DISCLOSURE BY CLICKING ON THE ACCEPT BUTTON OR ACCESSING, INSTALLING, OR USING ANY PART OF THE SERVICE, YOU ARE AGREEING TO AND CONSENTING TO BE BOUND BY ALL OF

More information

BILL PAYMENT AND PRESENTMENT TERMS & CONDITIONS FOR ORANGE COUNTY'S CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT

BILL PAYMENT AND PRESENTMENT TERMS & CONDITIONS FOR ORANGE COUNTY'S CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT BILL PAYMENT AND PRESENTMENT TERMS & CONDITIONS FOR ORANGE COUNTY'S CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT In this disclosure and agreement, the words "I", "me", "my", "us", "they",

More information

Online Account Management Service The Reliant Online Account Management Service consists of the following features:

Online Account Management Service The Reliant Online Account Management Service consists of the following features: Online Account Management Service Agreement 08/22/2014 By using Reliant s Online Account Management Service, you are agreeing to the terms and conditions of this Agreement with Reliant Energy Retail Services,

More information

myra Online Terms and Conditions

myra Online Terms and Conditions myra Online Terms and Conditions Welcome to myra Online ( Online Services ). In these Terms and Conditions ( Terms ): (a) you or your means the person(s) subscribing to or using Online Services; (b) we

More information

Industrial Bank Commercial Bill Payment Application Schedule/Addendum (C) 1of 6

Industrial Bank Commercial Bill Payment Application Schedule/Addendum (C) 1of 6 Schedule/Addendum (C) 1of 6 You may use the Internet Banking Service to authorize automatic payments to pay recurring bills or to make recurring transfers from one account to another, provided that the

More information

Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service

Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service Supplemental Agreement & Acknowledgement Effective September 1, 2012 PLEASE PRINT AND SAVE THIS DOCUMENT FOR YOUR RECORDS Note:

More information

Bill Payer Services Agreement

Bill Payer Services Agreement WCLA Credit Union PO Box 207, Olympia, WA 98507-0207 360.352.5033 www.loggers.com/cu Bill Payer Services Agreement This Bill Payer Service Agreement ( Agreement ) is the contract, which covers your and

More information

CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL

CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL I. General Terms and Conditions A. Introduction CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL This Internet Banking Service Agreement ("Agreement") governs the

More information

Online Bill Pay Service Terms and Conditions Agreement

Online Bill Pay Service Terms and Conditions Agreement Please read and print (for Online Bill Pay Service Terms and Conditions Agreement Please read and print (for your records) the following. By using the Online Bill Pay Service, each of you, jointly and

More information

Bill Payment Agreement

Bill Payment Agreement Bill Payment Agreement 1. Definitions. We, Our, Us or the Service means SAFE Credit Union. You or Your means each member authorized to use the Service. "Service" or Bill Pay means the Bill Payment Service

More information

FIRST BANK BUSINESS BILL PAY SERVICE TERMS AND CONDITIONS

FIRST BANK BUSINESS BILL PAY SERVICE TERMS AND CONDITIONS FIRST BANK BUSINESS BILL PAY SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. This is your agreement with First Bank. By using the First Bank s Business Bill Pay Service you agree to be bound

More information

Electronic Disclosure of the Terms and Conditions Agreement for the Online Banking/Bill Pay Service.

Electronic Disclosure of the Terms and Conditions Agreement for the Online Banking/Bill Pay Service. Premier Members Credit Union Online Bill Pay Service Terms and Conditions Agreement / Disclosure Note: All references within this document to the terms "Payment Service" and/or "the Service" reflect the

More information

Online Banking Terms & Conditions

Online Banking Terms & Conditions Online Banking Terms & Conditions JANUARY 7, 2015 Please read carefully the Terms and Conditions Agreement for Online Banking from Bremer Bank, which was revised January 7, 2015. The Agreement includes

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT AND DISCLOSURE REDNECK BANK, A DIVISION OF BANK OF THE WICHITAS P.O. BOX 852 MUSTANG, OK 73064 Redneck Bank & Bank of the Wichitas are the same financial institution. Deposits

More information

Home State Bank Online Access Agreement

Home State Bank Online Access Agreement Home State Bank Online Access Agreement Introduction Before you begin using this service, please read these terms and conditions carefully. By selecting the "I Agree" button below and through the continued

More information

Peoples Online Services and E-Sign Agreement

Peoples Online Services and E-Sign Agreement Peoples Online Services and E-Sign Agreement This Peoples Online Services Agreement and Disclosure ("Agreement") explains the terms and conditions governing basic online services and bill pay services

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the EB Online Banking service or the Bill Payment service

More information

PC Banking Service Agreement

PC Banking Service Agreement Last Amended 01/01/16 AGREEMENT AND DISCLOSURES Before using the ZB, N.A. dba California Bank & Trust PC Banking Service, you must consent to receive disclosures electronically, and read and agree to the

More information

Online Banking Disclosure

Online Banking Disclosure Online Banking Disclosure Electronic Funds Transfer Agreement This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds

More information

Hometown Bank. OneClick Agreement and Disclosure

Hometown Bank. OneClick Agreement and Disclosure Hometown Bank OneClick Agreement and Disclosure Effective Date: August 26, 2014 Scope This Agreement between you and Hometown Bank governs your use of our OneClick bill paying service (OneClick) or (the

More information

All references to "Internet Banking" reflect the CU Online services offered by FORUM Credit Union.

All references to Internet Banking reflect the CU Online services offered by FORUM Credit Union. Electronic Funds Transfer Agreement This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services

More information

Transfer funds between your savings, checking, and money market accounts.

Transfer funds between your savings, checking, and money market accounts. OREGON STATE CREDIT UNION The Online Account Access Service and Mobile Banking Service are included within our Electronic Fund Transfers Agreement and Disclosures (EFT). You will find the full text of

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service or the Bill Payment service

More information

North Georgia Credit Union Bill Pay Agreement & Disclosure

North Georgia Credit Union Bill Pay Agreement & Disclosure North Georgia Credit Union Bill Pay Agreement & Disclosure Welcome to Paytraxx Bill Pay Service. Bill Pay is an optional service that may be added to the financial institution s Internet Banking Service.

More information

Internet Banking Disclosure 03/29/12

Internet Banking Disclosure 03/29/12 Internet Banking Disclosure 03/29/12 Business Online Banker (Internet) Agreement 1. The Service. This agreement, along with the Authorization Worksheets, is a contract which establishes the rules which

More information

Washington State Employees Credit Union Bill Pay Addendum

Washington State Employees Credit Union Bill Pay Addendum Washington State Employees Credit Union Bill Pay Addendum This is an Addendum to the Electronic Funds Transfer Agreement and the Online Banking Agreement and sets forth the additional terms and conditions

More information

New Online Bill Pay. Save time when you pay your bills online.

New Online Bill Pay. Save time when you pay your bills online. The State Bank of Townsend New Online Bill Pay Save time when you pay your bills online. Online Banking users can sign up for Bill Pay service and begin paying their bills online. The service costs just

More information

SALEM FIVE ONLINE BANKING AGREEMENT

SALEM FIVE ONLINE BANKING AGREEMENT SALEM FIVE ONLINE BANKING AGREEMENT What This Agreement Covers This agreement (the Agreement ) between you and Salem Five Cents Savings Bank ( we, our, us, or Salem Five ) governs your use of Salem Five

More information

FIRST REPUBLIC BANK ONLINE BANKING AGREEMENT

FIRST REPUBLIC BANK ONLINE BANKING AGREEMENT FIRST REPUBLIC BANK ONLINE BANKING AGREEMENT I. Introduction This Agreement between you and First Republic Bank ("Bank"), governs the use of the Bank's Internet Banking services ("Online Banking"). These

More information

BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS

BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS This Agreement is the contract which covers your and our rights and responsibilities concerning Bill Payment Services ( Bill Pay ) offered to you by

More information

We encourage you to keep this Agreement for your records. If you have any questions, please contact a Customer Service Representative.

We encourage you to keep this Agreement for your records. If you have any questions, please contact a Customer Service Representative. Internet Banking Terms and Conditions Agreement This Agreement describes your rights and obligations as a user of the Internet Banking Service or the Bill Payment Service ("Service" or "Services"). It

More information

COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts

COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts This Agreement is the contract that covers your and our rights and responsibilities concerning Electronic Fund

More information

ONLINE BANKING DISCLOSURE/AGREEMENT

ONLINE BANKING DISCLOSURE/AGREEMENT ONLINE BANKING DISCLOSURE/AGREEMENT Rev 4/10 YOUR ACCEPTANCE OF THESE TERMS OF USE - ONLINE BANKING ("ONLINE BANKING TERMS") Meridian Bank requires all visitors who access its Online Banking to follow

More information

EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure

EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure No one from EagleBank will ever contact you in any form (fax, letter, email, phone call, etc.) and ask you to provide your online

More information

Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure

Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Agreement This Agreement is a contract which establishes the rules governing your electronic access

More information

CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT

CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT This Agreement describes your rights and obligations as a user of the Online Banking service and/or the Bill Payment and Presentment service ("Services").

More information

ONLINE EXPRESS INTERNET BANKING CUSTOMER AGREEMENT

ONLINE EXPRESS INTERNET BANKING CUSTOMER AGREEMENT ONLINE EXPRESS INTERNET BANKING CUSTOMER AGREEMENT This Agreement is entered into between Farmers Trust & Savings Bank (the "Bank") and any customer of the Bank who subscribes to the Bank s Online Express

More information

Corporate Internet Banking. Authorization Worksheets

Corporate Internet Banking. Authorization Worksheets Corporate Internet Banking Authorization Worksheets CLIENT AUTHORIZATION General Company Information Company Name: Client Number: Address: City, State, Zip: Contact Name: (Maximum 35 characters) Phone

More information

ROCKLAND FEDERAL CREDIT UNION SMALL BUSINESS ONLINE BANKING AGREEMENT A. GENERAL PROVISIONS

ROCKLAND FEDERAL CREDIT UNION SMALL BUSINESS ONLINE BANKING AGREEMENT A. GENERAL PROVISIONS 1. You Agree ROCKLAND FEDERAL CREDIT UNION SMALL BUSINESS ONLINE BANKING AGREEMENT A. GENERAL PROVISIONS This Small Business Online Banking Agreement (the Agreement ) governs the use of Rockland Federal

More information

Online Banking, Bill Pay & Mobile Service Terms and Conditions

Online Banking, Bill Pay & Mobile Service Terms and Conditions Online Banking, Bill Pay & Mobile Service Terms and Conditions Please read and print for your records the following Online Banking & Bill Pay Service Terms and Conditions Agreement (hence called this Agreement

More information

M&T HSA Internet Banking Agreement

M&T HSA Internet Banking Agreement M&T HSA Internet Banking Agreement NOTICE OF ARBITRATION AGREEMENT A separate Arbitration Agreement applies to this Agreement. You should read the Arbitration Agreement. It will govern how you or we resolve

More information

BOB (Business Online Banking) Enrollment Form

BOB (Business Online Banking) Enrollment Form BOB (Business Online Banking) Enrollment Form v9w Your Bank7 Business Online Banking (BOB) is automatically setup with these features: 1) Unlimited Bill Pay for Senior Administrators (no additional charge

More information

BILL PAYMENT AGREEMENT

BILL PAYMENT AGREEMENT BILL PAYMENT AGREEMENT Bill Payment Service This is your bill paying agreement with Community National Bank of Okarche. You may use Community National Bank of Okarche s bill paying service, Bill Pay, to

More information

BILL PAYMENT AGREEMENT

BILL PAYMENT AGREEMENT BILL PAYMENT AGREEMENT Bill Payment Service This is your bill paying agreement with UniBank. You may use UniBank s bill paying service, Bill Pay, to direct UniBank to make payments from your designated

More information

BILL PAYMENT AGREEMENT

BILL PAYMENT AGREEMENT BILL PAYMENT AGREEMENT BILL PAYMENT SERVICE This is your bill paying agreement with The First National Bank of Ottawa. You may use The First National Bank of Ottawa s bill paying service, Bill Pay, to

More information

BILL PAYMENT SERVICE TERMS AND CONDITIONS

BILL PAYMENT SERVICE TERMS AND CONDITIONS BILL PAYMENT SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. By using the TIAA-CREF Trust Company, FSB Bill Payment Service you agree to be bound to the terms and conditions herein. DEFINITIONS

More information

Online Bill Pay Application

Online Bill Pay Application Online Bill Pay Application Applicant Name: Social Security#: Date of Birth: Co-Applicant Name: (If both Account Holders want access to Online Bill Pay) Social Security# Date of Birth: Bill Pay Account

More information

General Terms Applicable to Bill Payment and Transfer Services

General Terms Applicable to Bill Payment and Transfer Services Please read this document carefully and print a copy for your reference. You may refer back to it at any time on this website. General Terms Applicable to Bill Payment and Transfer Services Your use of

More information

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS BEFORE YOU USE ONLINE BILL PAY. YOU MAY NOT ACCESS OR USE ONLINE BILL PAY WITHOUT FIRST ACKNOWLEDGING YOUR ACCEPTANCE OF THESE TERMS. CONSOLIDATED

More information

Online Banking Agreement Effective Date: March 2013

Online Banking Agreement Effective Date: March 2013 Online Banking Agreement Effective Date: March 2013 1. Online Banking Agreement This agreement sets forth the terms and conditions of the Online Banking and Online Banking Bill Pay services (the "Services")

More information

ELECTRONIC SERVICES AGREEMENT

ELECTRONIC SERVICES AGREEMENT ELECTRONIC SERVICES AGREEMENT Electronic Disclosure and Consent To the extent that you have given your e-sign consent, if such consent is required, you agree to receive this covering consumer online banking

More information

MUTUAL S ONLINE BANKING & BILL PAYMENT AGREEMENT

MUTUAL S ONLINE BANKING & BILL PAYMENT AGREEMENT MUTUAL S ONLINE BANKING & BILL PAYMENT AGREEMENT This Agreement describes your rights and obligations as a user of the Online Banking Service or the Bill Payment Service ("Services"). It also describes

More information

Commercial Internet Banking Agreement and Disclosures

Commercial Internet Banking Agreement and Disclosures Rev. 4/2015 Commercial Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our commercial Internet Banking Service, which permits you to access your accounts with

More information

MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT

MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT rev 2015 MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT MEA FEDERAL CREDIT UNION This Agreement establishes the rules that cover your electronic access to your account(s) at MEA Federal

More information

Commercial Bank & Trust of PA Effective December 1, 2015

Commercial Bank & Trust of PA Effective December 1, 2015 Commercial Bank & Trust of PA Effective December 1, 2015 Electronic Funds Transfer Disclosure and Terms and Conditions of Your Electronic Banking Account Commercial Bank & Trust of PA ("we," "our," "us"

More information

BILL PAYMENT SERVICE TERMS AND CONDITIONS

BILL PAYMENT SERVICE TERMS AND CONDITIONS BILL PAYMENT SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. This is your agreement with North Middlesex Savings Bank. By using the North Middlesex Savings Bank s Bill Payment Service you

More information

Access Agreement. I. Introduction

Access Agreement. I. Introduction Access Agreement I. Introduction II. Accessing Your Accounts through BankSmart A. Requirements B. Electronic Mail (E-mail) C. Fees D. New Services E. Benefits of Using BankSmart III. Terms and Conditions

More information

BILL PAYMENT SERVICE TERMS AND CONDITIONS

BILL PAYMENT SERVICE TERMS AND CONDITIONS BILL PAYMENT SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. This is your agreement with Twin River National Bank. By using Twin River National Bank s Bill Payment Service you agree to be

More information

Online Banking Client Agreement and Disclosure Statement

Online Banking Client Agreement and Disclosure Statement Online Banking Client Agreement and Disclosure Statement Read this agreement carefully and print or download a copy for your files! In this agreement, "you," "your," and "yours" refer to each of you that

More information

You may have to accept additional terms and conditions for certain services you may wish to utilize within the Account Center.

You may have to accept additional terms and conditions for certain services you may wish to utilize within the Account Center. ACCOUNT CENTER (BANKING) AGREEMENT Effective May 27, 2014 This Account Center (Banking) Agreement (the "Agreement") includes the terms and conditions for your use of the Discover Bank Account Center Banking

More information

ENT FEDERAL CREDIT UNION FUNDS TRANSFER AGREEMENT AND NOTICE

ENT FEDERAL CREDIT UNION FUNDS TRANSFER AGREEMENT AND NOTICE ENT FEDERAL CREDIT UNION FUNDS TRANSFER AGREEMENT AND NOTICE Article 4A of the Uniform Commercial Code, as adopted by the state of Colorado, Subpart B of Regulation J, as issued by the Board of Governors

More information

ZIONS BANK A division of ZB, N.A. Member FDIC

ZIONS BANK A division of ZB, N.A. Member FDIC ZIONS BANK A division of ZB, N.A. Member FDIC Zions Bank PC Banking Service Enrollment Form Be sure to sign the completed Zions Bank PC Banking Agreement and return the enrollment form to one of the following:

More information

Bill Payment Agreement & Disclosure

Bill Payment Agreement & Disclosure Bill Payment Agreement & Disclosure Welcome to Online Banking Bill Payment Service. Use of the Bill Payment Service indicates acceptance of terms and conditions set forth in the Online Banking Agreement

More information

Business Internet Banking Agreement Effective November 12, 2012

Business Internet Banking Agreement Effective November 12, 2012 Business Internet Banking Agreement Effective November 12, 2012 PRINT AND RETAIN THIS FOR YOUR RECORDS 1. AGREEMENT This Agreement is a contract that establishes the rules that cover your electronic access

More information

BUSINESS INTERNET BANKING SERVICE AGREEMENT

BUSINESS INTERNET BANKING SERVICE AGREEMENT BUSINESS INTERNET BANKING SERVICE AGREEMENT A. Introduction This Internet Banking Service Agreement ("Agreement") governs the use of the CNB's Online Banking System (the Service or "Services"). The Services

More information

HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE

HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE This Agreement is the contract which covers your and our rights and responsibilities concerning

More information

ONLINE BANKING AGREEMENT

ONLINE BANKING AGREEMENT ONLINE BANKING AGREEMENT The following information represents the Online Banking Agreement between you and Central State Bank ( Bank, we, our, ours, us ). This Agreement, including, as applicable, the

More information

MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT

MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT 1. Online Banking This Agreement made between you and Middlesex Savings Bank (the "Bank") governs the use of Online Banking services (the "Service"). The

More information

Online Banking Internet Agreement

Online Banking Internet Agreement Online Banking Internet Agreement 1. THE SERVICE In consideration of the Online Banking services (Services) to be provided by Stockmens Bank (Bank) as described from time to time in information distributed

More information

ONLINE BANKING AGREEMENT

ONLINE BANKING AGREEMENT ONLINE BANKING AGREEMENT 1. The Service. In consideration of the Online Banking services ("Services") to be provided by Bank of The Valley ("BANK"), as described from time to time in information distributed

More information

Farmers State Bank Bill Payment Agreement & Disclosures

Farmers State Bank Bill Payment Agreement & Disclosures Farmers State Bank Bill Payment Agreement & Disclosures Welcome to Online Banking Bill Payment Service. Use of the Bill Payment Service indicates acceptance of terms and conditions set forth in the Online

More information

AFB s My Online Banking Rules

AFB s My Online Banking Rules AFB s My Online Banking Rules Rules and Regulations The Bank will make available an online banking system, known as "My Online Banking," which will enable the User to gain direct computer access to account

More information

GREENWOODS STATE BANK. Consumer Internet Banking Agreement and Disclosures

GREENWOODS STATE BANK. Consumer Internet Banking Agreement and Disclosures July 2014 GREENWOODS STATE BANK Consumer Internet Banking Agreement and Disclosures Coverage. This Agreement applies to your use of our Internet Banking Service ("Internet Service"), which permits you

More information

PIONEER TRUST BANK, N.A. BUSINESS ONLINE BANKING APPLICATION

PIONEER TRUST BANK, N.A. BUSINESS ONLINE BANKING APPLICATION Company Name(s): PIONEER TRUST BANK, N.A. BUSINESS ONLINE BANKING APPLICATION Date: Client Number: (Assigned by Bank) Company Address: City, State Zip: The Local Administrator (LA) is responsible for adding,

More information

Ford Interest Advantage Online Access Terms and Conditions

Ford Interest Advantage Online Access Terms and Conditions Table of Contents - Ford Interest Advantage Online Access Terms and Conditions Processing agent; FIA Page 2 Acceptance of Terms and Conditions Page 2 Access, Security; Data Retention Page 2 Disclaimers

More information

Electronic Funds Transfer Agreement and Disclosures

Electronic Funds Transfer Agreement and Disclosures Electronic Funds Transfer Agreement and Disclosures ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES Agreement 1. Issuance of Card or Personal Identification Number. In this Agreement and Disclosures

More information

BUSINESS ONLINE BANKING AGREEMENT

BUSINESS ONLINE BANKING AGREEMENT Business Online Enrollment Fax, mail, or email completed form to: 910-576-5023 First Bank Business Support PO Box 600 Wilmington, NC 28401 BusinessSupport@LocalFirstBank.com For questions: 866-435-7208

More information