Terms & Conditions

THE BANK OF MISSOURI BILLPAY SERVICES FOR PERSONAL/SMALL BUSINESS ACCOUNTS AND THE BANK OF MISSOURI BUSINESS BILLPAY SERVICES FOR CASH MANAGEMENT ACCOUNTS.

These The Bank of Missouri BillPay terms and conditions govern your use of The Bank of Missouri BillPay Services for personal and small business Accounts and/or The Bank of Missouri Business BillPay Services for cash management Accounts, as applicable (the “BillPay Service”), which permit consumer and business customers to pay or designate Billers to receive a Bill Payment based on instructions you provide through personal computers or Mobile Devices.
A. PAYMENT SCHEDULING.
You may schedule two (2) types of payments to your Billers: One Time Payments or Recurring Payments. The earliest possible Scheduled Payment Date for each Biller will be designated within the BillPay Service when you are scheduling the payment. Therefore, the BillPay Service will not permit you to select a Scheduled Payment Date earlier than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement however, if the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date.
B. PAYMENT REMITTANCE.
The Cut-Off time for Payment Instructions is provided within the BillPay Service. Payment Instructions received after the Cut-Off time on a Business Day or on a non-Business Day will be processed the next Business Day. The BillPay Cut-Off times can be found in the Help Center within the Online BillPay Questions section available on our website at: https://www.bankofmissouri.com/helpcenter.
C. RUSH PAYMENTS.
You may use one of the following Rush Payment Services:
Next Business Day-check; or
Second Business Day-check; or
Second Business Day-electronic (only if biller accepts rush payments electronically-will not be available as an option for all payments).
to make delivery of a check payment to a participating Biller for an additional fee. You may pay any Biller that is approved by us and eligible for payment under the Rush Payment Service. Overnight delivery checks are not available to Billers with a post office box address or who are located in Alaska, Hawaii or any United States territory. By providing us with your Billing Account (including, but not limited to, Biller name, Billing Account number and the amount of your payment), you authorize us to initiate and complete the payment scheduled by you through the Rush Payment Service. We reserve the right to select the payment method in which your funds will be remitted to the Biller. You will be notified whether the payment will be made by ACH or check when you are scheduling the payment. It is your sole responsibility to enter and verify any address for Rush Payments by check to ensure that the address is correct and that it is a valid overnight package address of the specified Biller.
You may access Rush Payment Service online whenever the BillPay Service is available. However, each individual Biller sets their own business days and payment cutoff times and they are subject to change. To ensure timely payment and obtain the full benefit of the Rush Payment Service, your Bill Payment Account must be in good standing and you must submit an eligible, accurate Payment Instruction containing all of the information required by the Rush Payment Service before the Cut-Off time for the applicable Biller’s business day as displayed. Electronic Funds will be debited from your Bill Payment Account and credited to your Billing Account on the date we indicate at the time you submit your Payment Instruction. If payment is made by check, then funds will not be debited from the customer account until presented for payment. If we are unable to complete the transaction because of insufficient funds in your Bill Payment Account or some other reason, we will send you an email at the email address you have provided with this Agreement. We are not responsible for any charges imposed or any other action taken by a Biller if your Billing Account is not in good standing with the Biller or that result from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if there are insufficient available funds in your Bill Payment Account or if any part of the electronic funds transfer system network is not working properly. You cannot cancel an Rush Payment.
The fee for a Rush Payment is set forth in the The Bank of Missouri Common Features/Schedule of Fees that applies to your Bill Payment Account. In addition, this fee will be separately displayed at the time you submit your Payment Instruction. The fee will be deducted from your Bill Payment Account along with the amount of the payment to the Biller on the Business Day that you schedule the transaction. The Rush Payment fee is subject to change from time to time.
RUSH PAYMENT SERVICE GUARANTEE.

If we cause processing delays of your Rush bill payment that result in late fees, we will cover up to $50 of those fees. This guarantee covers only things within our control. Our guarantee does not cover losses which you cause, or payment processing delays which are not caused by us or within our control, such as your failure to schedule delivery of your Rush payment sufficiently in advance of the Payee's due date for the payment to arrive on time (before the grace period begins); if we are unable to complete the transaction because of insufficient funds in in your Bill Payment Account, or subsequent posting of the payment is delayed by the Payee. You will need to document to us any late fees that you incur as a result of your Rush payment being delivered after the scheduled delivery date.
As a precaution to this guarantee, you agree not to enter any agreements where one of the purposes is to generate late payment fees. The risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you in the event you do not follow the procedures.

D. PAYMENT METHODS.
Payments will be made using the ACH, by paper check, or any other method chosen by us. You agree that we have the sole right to select the method in which to remit funds on your behalf to your Biller (each a “Payment Method” and collectively, “Payment Methods”). Your payment confirmation will list the Payment Method for each Bill Payment. If a check is used as the Payment Method, a check number will be included in your payment confirmation.
E. LIMITATIONS ON PAYMENTS.
Personal/Small Business Account Bill Payment Service has a maximum amount of any single payment of $25,000 and the aggregate maximum total amount of all payments processed on any Business Day is $25,000. Cash Management Business BillPay Service Accounts have a maximum amount of any single payment of $250,000 and the aggregate maximum total amount of all payments processed on any Business Day is $250,000. If a transaction would exceed these amounts, a notice will be separately displayed at the time you submit your Payment Instruction. There are no minimum amounts which apply to a payment. These limits are subject to change from time to time. P2P payments initiated by email have a daily limit of $500. The current limits are set forth in the Help Center within the Online BillPay Questions section available on our website at: https://www.bankofmissouri.com/helpcenter.
F. PAYMENT CANCELLATION REQUESTS.
Except as otherwise provided in these Terms and Conditions, you may cancel or edit any Scheduled Payment (including Recurring Payments) by following the directions within the BillPay Service. There is no additional charge for canceling or editing a Scheduled Payment. Once we have begun processing a payment, it cannot be cancelled or edited online through the BillPay Service.
G. STOP PAYMENT REQUESTS.
Your ability to stop payment of a Scheduled Payment that has been, or is being, processed will depend on the Payment Method and whether your Account is a Personal Account,a Small Business Account, or Cash Management Business Account. For Small Business and Cash Management Business Accounts, we must have a reasonable opportunity to act on any stop payment request. When using Online Banking with Personal Accounts, you should submit stop payment requests in accordance with the applicable terms in your Account Agreement. To stop any Scheduled Payment that has been, or is being, processed, you must contact Customer Service to submit a stop payment request. If your Bill Payment Account is a Personal Account and the Payment Method is a paper check or electronic funds transfer, you may request a stop payment in accordance with the applicable provisions of your Account Agreement. For all other Payment Methods, although we will make every effort to accommodate your stop payment request, we are not liable to you for failing to do so. You may also be required to present your stop payment request in writing within fourteen (14) days. The fee for each stop payment request will be the current fee for such stop payment as set out in the The Bank of Missouri Common Features/Schedule of Fees that applies to your Bill Payment Account.
H. PROHIBITED PAYMENTS.
You may make payments to Billers within the United States, subject to any maximum payment limits. You agree not to use the BillPay Service to pay tax payments, payments made pursuant to court orders, fines, payments for gambling debts, or payments otherwise prohibited by law. In no event will we be liable for any claims or damages resulting from you scheduling these types of payments. We have no obligation to research or resolve any claim resulting from a prohibited payment. All research and resolution for any misapplied, misposted or misdirected payments will be solely your responsibility and not our responsibility.
I. ELECTRONIC BILL DELIVERY AND PRESENTMENT (E-BILLS).
This feature is for the presentment of electronic bills only. It is your sole responsibility to contact your Billers directly if you do not receive your bills. This electronic bill delivery feature does not alter your liability or the obligations that currently exist between you and your Billers. In addition, if you elect to activate one of the BillPay Service’s electronic bill options, you also agree to the following:
1. We are unable to update or change your personal information with the Biller such as, but not limited to, your name, address, phone numbers and e-mail addresses. You must contact the Biller directly to make any changes. Additionally, it is your responsibility to maintain all usernames and passwords for all Biller websites. You also agree not to use someone else’s information to gain unauthorized access to another person’s bill. We may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating electronic bills for that Biller.
2. Upon activation of the electronic bill feature, we may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your Billing Accounts current. Each Biller reserves the right to accept or deny your request to receive electronic bills.
3. Your activation of the BillPay Service for a Biller is deemed to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.
4. We will present your electronic bills to you by notification within the BillPay Service. In addition, we may send an e-mail notification to the e-mail address listed for your Account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your sole responsibility to periodically log on to the BillPay Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller.
5. The Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. Depending on the billing cycle of each Biller, cancellation of electronic bill presentment may take up to sixty (60) days. We will notify your Biller(s) of the change in status of your Billing Account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for paying any electronic bills that are already in process at the time of cancellation.
6. You agree to hold the Bank harmless should you fail to receive your electronic bill. You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.
7. We are not responsible for the accuracy of your electronic bill(s). We only present the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.
J. Person to Person Payments (P2P)
You are able to send money to anyone in the U.S that has a bank account through BillPay Service online via your desktop, laptop, tablet or mobile smartphone, using email notifications, electronic checks, or account routing and transit numbers. By enrolling in BillPay and using P2P Payments, you agree to all the terms, conditions and notices contained in this Section and in your Account Agreement and accept responsibility for your use of P2P Payments. You authorize us to charge your designated Account with us for all transfers of funds that you initiate through P2P Payment and you agree to have sufficient funds in your Account on the Send On date to cover each such transfer until the transfer is Completed or Cancelled.

The three (3) options for sending payments to individuals are:
1. Allow payee to provide their banking information – electronic payments can be made just by knowing the recipient’s email address. The payee will receive an email that prompts them to submit their bank account information. The payees account information is passed behind the scenes and not viewable by the sender. A keyword is communicated from the sender to the payee. The payee is required to enter the keyword as a security measure prior to entering in their bank account information. The sender must complete the payee activation process to complete the payment process.
2. You have payee’s bank account information – The payee has provided you with their bank account number and routing number which will allow you to enter and submit an electronic payment to the payee.
3. Mail a check – The payee has provided you with their mailing address which will allow you to enter and submit a draft check to the payee.

We may disclose information to third parties about your Account or the funds you send or receive:
a. as necessary to complete transactions;
b. as necessary in connection with offering the P2P Payment Services;
c. in connection with the investigation of any claim related to your Account or the funds you send or receive;
d. to comply with government agency or court orders;
e. in accordance with your written permission; and
f. as otherwise permitted by the terms of our privacy notice.

The Bank’s privacy notice, which includes details about our information sharing practices and your right to opt-out of certain information sharing, was provided to you when you opened your Account with us. It can be viewed by clicking on the “Privacy” link on any of our website pages.
K. SERVICE FEES AND ADDITIONAL CHARGES.
Any applicable fees will be charged regardless of whether the BillPay Service was used during the billing cycle. There may be a charge for additional transactions and other optional services as disclosed on the The Bank of Missouri Common Features/Schedule of Fees that applies to your BillPay Account. You agree to pay such charges and authorize us to deduct the amount from your designated Bill Payment Account for these amounts and any additional charges that may be incurred by you. For BillPay Services for consumers, the Bill Payment Account for Service fees is the Account which the Service or requested transaction impacts. For the BillPay Service for businesses, the Bill Payment Account is the first Account Enrolled in the BillPay Service. Any fees associated with your Accounts continue to apply. You agree that we may deduct from your Bill Payment Account any amount due, including for an amount due to a payment made under this Agreement.
L. FAILED OR RETURNED TRANSACTIONS.
In using the BillPay Service, you are requesting us to make payments for you from your Bill Payment Account. A Scheduled Payment will fail to result in a Bill Payment if any of the following occur:
1. the payment was insufficiently funded;
2. erroneous or incomplete information is provided by you, which prevents accurate and timely payment;
3. a Biller cannot or will not accept a payment delivered by us;
4. we suspect the payment of being fraudulent and have provided notification to you; or
5. we suspect that the Biller is a blocked entity under Office of Foreign Assets Control Sanctions.
We will notify you of each Scheduled Payment that does not result in a Bill Payment because of any of the reasons described above. If the Bill Payment does not occur due to any of items (2) through (5) above, we may request additional information regarding the failed Scheduled Payment. If you do not provide the information we need to resolve the failed Bill Payment within five (5) Business Days, the Scheduled Payment will be cancelled and funds will be re-credited to your Bill Payment Account.
If a Scheduled Payment does not result in a Bill Payment because (a) the Bill Payment Account from which the Scheduled Payment was scheduled has insufficient funds or (b) the BillPay Service could not retrieve the funds necessary to make the Scheduled Payment for any reason, then you acknowledge and agree that: We may, but have no obligation to, attempt to re-submit a failed electronic Scheduled Payment up to four (4) times within the first two (2) days after the Scheduled Payment fails due to the inability of the BillPay Service to retrieve the funds from your Bill Payment Account for payment. If funds are not available after the 4th attempt, payment will be cancelled. If funds are not available when a draft check is presented for payment, refer to the Terms and Conditions of Your Account that you received at account opening for further information. You agree that we are not responsible or liable for the failure to process any Scheduled Payment for any of the reasons described above, including during any time that your BillPay Service is cancelled, whether or not there are sufficient funds in your Bill Payment Account(s) during such cancellation period. You also agree to indemnify and hold us harmless from any claims, liability, loss or damages resulting from our actions taken under this Section. This provision amends and supersedes any conflicting provision of your Account Agreements.
M. SERVICE TERMINATION AND CANCELLATION OF PAYMENTS.
You may terminate your BillPay Service at any time. Any Scheduled Payment(s) scheduled to occur before the Cancellation date will be completed. All Scheduled Payments, including Recurring Payments, scheduled to occur after the cancellation date of your BillPay Service will not be processed. We may terminate your BillPay Service at any time. If any of your Bill Payment Accounts are closed, we will automatically cancel your BillPay Service for the applicable Bill Payment Accounts and no Scheduled Payments, including Recurring Payments, will be made by us from any of the closed Bill Payment Accounts. If the primary Account linked to your Bill Payment Account is closed, we will automatically cancel your BillPay Service for all your Bill Payment Accounts and no Scheduled Payments, including Recurring Payments, will be made by us from any of your Bill Payment Accounts. You must make other arrangements to make these payments.
N. BILLER AND PAYMENT LIMITATIONS.
BillPay Services will be monitored for compliance with laws and regulations governing currency transactions and money laundering. We reserve the right to refuse to pay any Biller to whom you may direct a payment or refuse any Scheduled Payment. We will notify you promptly if we refuse to pay a Biller designated by you or refuse to make a Scheduled Payment. This notification is not required if you attempt to make a prohibited payment under this Agreement.
O. DELAYED AND RETURNED PAYMENTS.
You will be notified if a delay occurs in the processing of your Scheduled Payment. You may be instructed to call Customer Service or we may call you if we need more information in order to process the transaction.
You understand that Billers and/or the United States Postal Service may return payments to us for various reasons such as, but not limited to, Biller’s forwarding address expired; Billing Account number is not valid; Biller is unable to locate Billing Account; or Billing Account is paid in full. We will research and correct the returned payment and return it to your Biller, or void the payment and credit your Bill Payment Account.
P. INFORMATION AUTHORIZATION.
Your Enrollment in the BillPay Service may not be fulfilled if we cannot verify your identity or other necessary information. In order to verify ownership of the Bill Payment Account(s) and/or Billing Account(s), we may issue offsetting debits and credits to the Bill Payment Account(s) and/or Billing Account(s), and require confirmation of such from you.
Q. ADDRESS OR OTHER CHANGES.
All changes made are effective immediately for scheduled and future payments paid from the updated Bill Payment Account Information. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Billing Account or contact information.
R. LIABILITY FOR UNAUTHORIZED TRANSFERS OR PAYMENTS.
You are required to promptly provide notice to us of any unauthorized transfer at 1-888-547-6541 or by sending an email message through our secure messaging system located within Online Banking. You should never share your personal Security Credentials, however when you give another party your Security Credentials, you are authorizing that party to use the BillPay Service and you are responsible for all payments that party performs while using your Security Credentials, even those you did not intend or want performed. If you are a consumer customer, your liability for unauthorized electronic transfers or payments is described in your Deposit Account Agreement and the “The Bank of Missouri Online Banking Agreement”. Please note that if the Biller you scheduled a payment to is an individual, if the Biller does not appear on a list of pre-approved Billers when you input the Biller’s information within the BillPay Service, or if we notify you the payment will be made by check, we will make Bill Payments by check to those Billers and your Deposit Account Agreement will not apply.
1. LIMITATION OF BANK’S LIABILITY FOR SMALL BUSINESS AND CASH MANAGEMENT BUSINESS CUSTOMERS ONLY.
THE BANK WILL HAVE NO LIABILITY TO YOU FOR ANY UNAUTHORIZED TRANSACTION MADE USING YOUR SECURITY CREDENTIALS THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR SECURITY CREDENTIALS. WE ARE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY REQUIRED SECURITY CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS. If we fail or delay in making a transaction, pursuant to your instructions, or if we make a transaction in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law, our liability is limited to interest on the amount which we failed to timely transaction, calculated from the date on which the transaction was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the transaction, but in no event will we be liable to both parties, and our interest payment to either party will fully discharge any obligation to the other. If we make a transaction in an erroneous amount which exceeds the amount per your instructions, or if we permit an unauthorized transaction after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the transaction to the date of the refund, but in no event to exceed thirty (30) days’ interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest will be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each day interest is due, computed on the basis of a 360-day year. UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT WILL THE BANK BE LIABLE TO YOU FOR SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ATTORNEYS’ FEES, EVEN IF WE ARE ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES
Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized transaction or error from any of your Business Accounts within thirty (30) days of our providing or making available to you a bank statement showing an unauthorized transaction or error will relieve us of any liability for any losses sustained after the expiration of such thirty-day (30-day) period and you will thereafter be precluded from asserting any such claim or error. See also, “Liability For Transfers and Payments” (Section S.2. below) of this Agreement.


S. ADDITIONAL TERMS APPLICABLE ONLY TO THE BANK OF MISSOURI CASH MANAGEMENT BUSINESS BILLPAY SERVICES.
1. LINKING MULTIPLE ACCOUNTS.
You may use the BillPay Service to access Eligible Accounts. These Accounts include Accounts of affiliated, subsidiary, or non-affiliated businesses bearing the same Tax Identification Number (“TIN”). You may be permitted to link Personal Accounts to your BillPay Service profile provided you are an Account owner or Authorized User on the Business Account and also an Account Owner on the Personal Accounts to be linked, and all linked Accounts have the same TIN.
2. RICH REMITTANCE.
You may use the BillPay Service to transmit additional detail related to the payment to the Biller such as invoice numbers, credit memo detail and dollar amounts by following the directions within the BillPay Service.
3. LIABILITY FOR TRANSFERS OR PAYMENTS.
We will have no liability to you for any errors or losses you sustain in using the BillPay Service except where we fail to exercise ordinary care in processing any transaction. We are liable only for those unauthorized transfers that occur after you have provided notice to us and we have had a reasonable opportunity to act. We also are not liable for any failure to provide any service if the Account(s) involved is no longer linked for the BillPay Service. Our liability, if any, is limited to the amount of any funds improperly transferred from your Bill Payment Account less any amount that would have been lost even with the exercise of ordinary care.
T. DEFINITIONS.
Certain capitalized terms used in this Agreement are defined below.
“Account” means the personal or business accounts that you access using Online Banking including checking account, savings account, or money market account that you have with us.
“Account Agreement” means the Common Features/Schedule of Fees effective on the date you opened your account (as amended from time to time, the “Deposit Account Agreement”), as applicable, and any rules and regulations that govern the use of your Account, including, without limitation, any funds availability agreement, electronic fund transfer agreement or disclosure, our Privacy Policy, and our Common Features/Schedule of Fees, as applicable, together with any amendments or modifications to such agreements or disclosures.
“Account Information” means both information regarding your Accounts accessible through Online Banking and account information for non-BOM accounts stored at third party websites.
“ACH” refers to any automated clearing house which processes credits and debits through an electronic network.
“Agreement” has the meaning set forth in the first paragraph of this BillPay Banking Services Agreement.
“Authorized User” means a person, through execution of, as appropriate, a business resolution or power of attorney, has designated as authorized, with respect to designated Accounts, to view Account Information, perform certain transactions and/or communicate with us on the Account using Online Banking. Authorized User may also be referred to as multi-user or additional user.
“Bill Pay Service” has the meaning set forth in this Agreement.
“Bill Payment Account” means the Account you have designated on The Bank of Missouri BillPay profile for Personal/Small Business Accounts, or your Cash Management Business BillPay profile for Cash Management Business Accounts, for us to debit with respect to payments made through Bill Payment in connection with Online Banking.
“Biller” is the person or business 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.
“Billing Account” is your account with your Biller.
“BillPay” is a real-time payment network through which certain Online Banking and Mobile Banking Services may be processed.
“Business Day” means Monday through Friday, excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing.
“Cancelled” means funds will neither be processed nor sent for any reason.
“Cash Management” means The Bank of Missouri Cash Management Online Banking Service as described in the Cash Management Services Online Banking Agreement.
“Cash Management Business Account” means an Account that is enrolled in The Bank of Missouri Cash Management Service and used primarily for business or commercial purposes and not personal, family or household purposes.
“Customer Service” means The Bank of Missouri Call Center customer service, which can be reached at 1-888-547-6541 or through secure messaging in Online Banking.
“Cut-Off Time” means the time by which we must receive Instructions to have them considered entered on that particular Business Day. See the paragraph entitled “Cut-Off Times” for additional details.
“Deposit Account” means a checking and/or savings deposit account you have with The Bank of Missouri.
“Common Features/Schedule of Fees” refers to the description of an Account’s features, including a schedule of fees, interest rate information (if applicable) and important personal and business Account disclosures required by Applicable Law provided to consumers and other personal Account holders and Business Account holders when an Account is opened, including any changes or amendments from time to time.
“Due Date” is the date reflected on your billing statement for which the applicable payment is due. It is not the late date or grace period.
“Eligible Accounts” are the Bank of Missouri deposit accounts that are accessible in The Bank of Missouri Online Banking from time to time.
“Enroll(ment)” means the request executed by you pursuant to this Agreement authorizing us to provide a Service to you.
“External Account” an account that is held at an institution other than The Bank of Missouri.
“Funded” means when an amount to be sent has been withdrawn from the available balance of the BillPay Account.

“Future Dated” means Instructions that are not scheduled to begin processing on the current day; only Business Days may be selected for Future Dated transfers.

“In Process” means the funds requested for transfer are in transit but have not yet been credited to the designated account.

“Instructions” means the information provided by you in order for the funds to be delivered to the designated external account.
“Mobile Banking” means our Service that allows you to use a Mobile Device to access Online Banking, including our Mobile Banking applications, and the Remote Deposit Service.
“Mobile Device” means a mobile phone, tablet or personal digital assistant (“PDA”) that is web-enabled.
“One Time Payment” means a single payment to the Biller in the amount designated by you.
“Online Banking” means the service described in The Bank of Missouri Online Banking Agreement.
“Payment Instruction” is the information provided by you to us for a Bill Payment or Bank to Bank transfer to be made (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date.
“Payment Method” and “Payment Methods” have the meanings set forth in Section D above.
“Personal Account” means an Account where the Account owner is an individual and the Account is used primarily for personal, family or household purposes.
“Recurring Payment” means payments of a fixed amount designated by you to a Biller designated by you made on a regular time interval or payments of varying amounts made upon receipt of an electronic bill.
“Rush Payment” means a One Time Payment that we process on an expedited schedule.
“Rush Payment Guarantee” has the meaning set forth in Section C above.
“Scheduled Payment” is a payment that has been scheduled through the Service but has not begun processing.
“Scheduled Payment Date” is the day you want your Biller to receive your payment and is also the day your Bill Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.
“Security Credentials” mean the information we use to identify you when accessing your Accounts and Services and may include security devices, account numbers, personal identification numbers (PINs), Card numbers, User IDs, passwords, tokens, biometric identifiers, and challenge questions and answers. Security Credentials may be assigned to you by us or selected by you, as may be updated from time to time.
“Send On Date” means the Business Day we will begin the delivery process. NOTE: The Send On date may vary depending on available funds or credit, the Business Day on which it falls, the recipient’s acceptance of the transfer, if required, or the recipient’s registration status in the P2P Payment and may be on or after the date entered in the sender’s Instructions.
“Service” means each of the Online Banking products and services you access using Online Banking.
“Small Business Account” means an Account where the Account owner is operating a business and the Account is not enrolled in the Cash Management Service.
"You”, “your” or “yours” means (i) an individual or business entity who owns an Account or a party-in-interest to the Account (such as a grantor or trustee of a trust account) or (ii) an Authorized User.
“We”, “us”, “our” “The Bank of Missouri” “TBOM” or the “Bank” mean The Bank of Missouri, or The Bank of Missouri affiliate(s) that establishes your Account and provides Online Banking, and any agent, independent contractor or assignee that we may, in our sole discretion, engage in providing Online Banking and Services.