Bill Pay Disclosure

Organize and pay bills, make person-to-person (P2P) payments, or transfer money between accounts (A2A) with our Bill Pay service. (The Terms of Service are in addition to the Membership and Account Agreement, Electronic Fund Transfers Agreement and Disclosure, and other documents in effect governing your account.)

Terms of Service:

Sign-Up Requirements

You must have an active checking account, and activate Online Banking for it.

Available Funds

You agree to have available funds in the checking account to cover payment obligations.

The credit union reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement
If you do not have sufficient funds in the account and the credit union has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand

Fees

There are no enrollment fees, or inactivity fees.

Overnight Delivery: $19.95
Second Day Delivery: $14.95
Charitable Donation: $1.99
Gift Check: $2.99
Overdraft Fee/Non-sufficient Funds Item: $29.00
Overdraft Privilege Item: $29.00
Overdraft Transfer from Savings (each): $5.00
Stop Payment: $25.00
ACH Return: $29.00

Account Verification

Accounts added by you require verification. The verification process is completed using a verification code sent via phone call, email or SMS text message.

Posting Policies

The payment date calendar within Bill Pay will advise you of the earliest deliver by date you can send a payment. Scheduled payments will be run on the processing date calculated by Bill Pay and displayed on the screen.

Deliver by date allows the subscriber to select a due date and the system calculates the process date so the payment arrives on time
If payment is sent via paper check, checks are sent several days in advance in order to reach the destination on the date you selected. FCCU is not responsible or liable for payments processed early by the merchant or payee, or if the check arrives late or not at all

Payment Changes or Cancellations

A bill payment can be changed or cancelled any time prior to the cutoff time of 2:00 p.m. CST on the scheduled processing date. Members are responsible for cancelling their own payments prior to the processing date and/or the cut-off time.

Liability

You are solely responsible for safekeeping your account password and challenge questions.

To terminate joint owner authority, you must change your password, challenge questions and remove them from your account with a Member Service Representative at the credit union
The credit union reserves the right to refuse the designation of a “Payee” for any reason
You are responsible for any payment that contains an error or is a duplicate of another payment
The credit union will not process and is not responsible for payments that are incomplete, incorrect, or contain outdated information
The credit union is not responsible for a payment that is not made if you did not properly follow the instructions for making a payment
The credit union is not liable for any act, failure or delay in acting if it is beyond the credit union's reasonable control
The credit union will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service

Amendment Termination

The credit union has the right to change this agreement at any time by written notice mailed to you at the last address on file in the credit union's records, by posting notice in branches of the credit union, or as otherwise permitted by law. You may terminate this agreement by written notice to the credit union.

The credit union is not responsible for any payment made before the credit union has a reasonable opportunity to act on your termination notice
You remain obligated for any payments made by the credit union on your behalf

Bill payments are processed by Electronic Fund Transfers (EFT). For additional information refer to the Electronic Fund Transfers Agreement and Disclosure included in your Membership Booklet, received when you established electronic services with the credit union, concerning your rights and obligations.