Terms & Conditions

Bill Pay Terms and Conditions
Effective Date: February 12, 2018
Terms & Conditions
This Bill Pay Agreement (this "Agreement") sets forth the rules, restrictions, guidelines, terms and conditions related to Bill Pay. Upon your acceptance of the terms and conditions of this Agreement, same shall become an addendum to and a part of the Northstar Bank Online Banking Agreement.

As used in this Agreement, "you" or "your" refers to each person(s) on entity subscribing to, using or accessing Bill Pay. "We," "it," "us," or the "Bank" refers to Northstar Bank and any agent, independent contractor, designee, or assignee that Northstar Bank may, in its sole discretion, involve in the provision of this Agreement.

Bill Pay Bill Payments
Account Designation and Payees. All Payment(s) you make through Bill Pay will be transacted through various service providers. All bill payment(s) shall be deducted from the account you have designated as your bill payment account (the "Designated Transaction Account"). Any payee you wish to pay through Bill Pay must be payable in US Dollars and must be located in the United States (including US Territories and APO's/AEO's). You shall not use Bill Pay to make payments to a federal, state or local governmental or tax unit, court ordered payments or to other categories of payee that the Bank may establish from time to time. The Bank is obligated to notify you promptly if it decides to refuse to pay a person(s) or entity designated by you. This notification is not required if you attempt to make a payment to a category of payee which is prohibited under this Agreement

Each payee must appear on the payee list in your database. To add a new payee, login to Online Banking, click the "Bill Pay" tab, and follow the instructions on the screen. You may also call the Bank to speak with a representative or visit any branch location for additional information. You may add a new fixed payment to a "Payee" by accessing Bill Pay through Online Banking and entering the appropriate information. Most other additions, deletions, or changes can be made through Online Banking. The Bank reserves the right to refuse to pay any person(s) or entity to which you may direct a payment.

Processing. The Processing Date is the date you select for the transaction to occur. Funds will be taken out of the designated transaction account, or any such other account as may be designated by you and approved by the Bank, on the Processing Date. In many cases, your bill payments are electronically delivered to the payee by the Deliver By Date. However, some payees are not configured to accept electronic bill payments. In these cases, a paper check will be sent to such payee(s), which may take up to ten (10) business days to process and deliver.
Single Payments-a single bill payment will be processed on the business day (generally Monday through Friday, excluding federal holidays) that you designate as the Processing Date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by the Bank, is currently 3:00 p.m., Eastern Standard Time.
o A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date, the payment will be processed on the first business day following the designated processing date.
Electronic-all standard bill payments are debited from your account on the Processing Date and forwarded as guaranteed funds the following business day. The bill payment is then estimated to be received by the payee on the "deliver by" date selected by you.
Check-all standard bill payments by check are debited from your Designated Transaction Account when the payee deposits or cashes the check. The bill payment is estimated to be received by the payee on the "deliver by" date selected by you.
Bill Pay-will calculate the Deliver By Date of your payment. This is only an estimate. Please allow ample time for your payment to reach your payee(s).
Recurring Payments-When a recurring bill payment is processed, it is automatically rescheduled by Bill Pay. Based on your selected frequency settings for the bill payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and federal holidays), it is adjusted based upon the following: If you select the "Pay Before" option, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. Note: if your frequency settings specify the 29th, 30th, or 31st of any month as you Scheduled Initiation Date, and that day does not exist in the month of the calculated processing date, then the last calendar day of that month will be used as the calculated processing date.

The system will calculate the "Estimated Arrival Date" of your payment. This is only an estimate, please allow ample time for your payments to reach your "Payees." Bill payments are processed by outside service providers and the Bank is not responsible for making payments upon your authorization or for mailing or sending a payment to the designated payee. The Bank is not liable in any way for damages you incur if you do not have sufficient funds in your account to make the payment on the payment processing date. The Bank is not responsible for and assumes no liability if the Estimated Arrival Date generated by Bill Payment is inaccurate due to delays in mail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for or credit the payment in a timely manner, for any lack of care by the outside service providers, or for any other circumstance that is beyond the Bank?s control. In addition, the Bank is not responsible for and assumes no liability if bill payments cannot be made due to incomplete, incorrect, or outdated information. If the Bank caused an incorrect amount of funds to be removed from your Designated Transaction Account or causes funds from your Designated Transaction Account to be directed to a person or entity that does not comply with your payment instructions, the Bank shall be responsible for returning the improperly transferred funds to you Designated Transaction Account.

Liability. You are solely responsible for controlling and safekeeping access to your User ID, password, and security questions. If you want to terminate another person's authority to use Bill Pay, you must notify the Bank and arrange to change your User ID, password, and security questions. You will be responsible for any bill payment request(s) you make that contain an error or duplicate a previous bill payment. The Bank is not responsible for a bill payment that is not made if you did not properly follow the instructions as prescribed in this Agreement. The Bank is not liable for any failure to make a bill payment if you fail to promptly notify the Bank after you learn that you have not received credit from any payee(s) for a bill payment. The Bank is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Bank's agent.

THE FOREGOING SHALL CONSTITUTE THE BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENENACE OF THE EQUIPMENT, SOFTWARE, AND/OR THE BILL PAY.

Exclusions on Warranties

BILL PAY AND ALL RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PUROSE.

Limitations on Services

Dollar Limitations-Bill Pay. For all consumer accounts, including accounts styled as "doing business as" "d/b/a" or "dba," the dollar limitation shall be the lesser of $99,999.99 or the available balance in your deposit account on any payment processed via Bill Pay without prior approval from the Bank. For all business accounts, the dollar limitation shall be the lesser of $250,000.00 or the available balance in your deposit account on any payment processed via Bill Pay without approval from the Bank.

Dollar Limitations-Transfer. Except as provided herein, all transfers to and from your Designated Transaction Account are subject to the terms and conditions set forth in your account agreement governing such account. For dollar limitations, please contact your local Northstar Bank branch.

Available Funds Required. All payments initiated through Bill Pay are contingent upon sufficient funds available in the Designated Transaction Account to cover the bill payment on the Processing Date. The available balance limit, may include your bounce protection limit or overdraft protection limit. Overdrawing your account using bounce protection will result in a $35 per item overdraft fee with 30 days to bring your account to a positive balance. Overdrawing your account using an overdraft protection line of credit will result in a $10 fee each time we advance funds with finance charges accruing on the day the advance is posted. Please refer to the Funds Availability Disclosure provided to you at account opening to determine the funds availability policy for your account(s). You may request another copy of this disclosure from any bank representative by telephone, postal mail, or in person at any of our branch locations. If funds are not available on the Processing Date, the payment will retry for an additional 3 business days.

Stopping or Modifying a Bill Payment. A bill payment can be changed or canceled any time prior to the cut off time on the scheduled PROCESSING DATE. If the bill payment has already been processed, you may call your local branch and make a stop payment request. If the bill payment has not yet been received and cleared by the Bank, we can place a stop hold on the bill payment for a specified fee. A copy of the canceled check can be requested for a nominal fee.
Authorization to Charge Your Account(s). You authorize the Bank to charge your Designated Transaction Account(s) for any transactions accomplished through Bill Pay, including the amount of any payment, and for any charges for Bill Pay and /or stop payment request(s). You authorize the Bank to process bill payments according to the instructions that the Bank receives if the instructions are received by the Bank through Bill Pay. You authorize the Bank to initiate any reversing entry or reversing file, and to debit your Designated Transactions Account(s) in order to correct any mistaken credit entry.

You understand that if a bill payment describes the payee inconsistently by name and account number, executions of the bill payment shall occur on the basis of the account number, even if it identifies a payee different from the named payee. Your obligation to pay the bill payments to the Bank is not excused in such circumstances.

The Bank shall have no liability for the execution or failure to execute a bill payment that includes a discrepancy between the name of a payee and an account number, or which is to be made from an account with insufficient available funds. The Bank shall not be responsible for resubmitting any payment for you after funds become available in your Designated Transaction Account.

CONTACT THE BANK IMMEDIATELY if you believe your User ID and/or password have been lost, stolen, used without your authorization, or otherwise compromised or if someone has transferred or may transfer money from your Designated Transaction Account(s) without your permission. An immediate telephone call to the Bank is the best way to reduce any possible losses. If you contact the Bank within two (2) business days after you learn of the loss, theft, compromise, or unauthorized use of your User ID and/or password, you can lose no more than $50.00 if the third party used your User ID and/or password without your permission. If you do NOT contact the Bank within two (2) business days after you learn of the loss, theft, compromise, or unauthorized use of your User ID and/or password, you could lose as much as $500.00.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:
1. Telephone us at 989-269-8077 during normal business hours;
2. Write us at:
Northstar Bank
Electronic Banking
833 S. Van Dyke Road
P.O. Box 308
Bad Axe, MI 48413
If you think your statement is incorrect or you need more information about a transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:
1. Tell us your name and account number;
2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error.
If you tell us verbally, we may require that you send your complaint in writing within ten (10) business days after your verbal notification. We will tell you the results of our investigation within ten (10) business days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Designated Transaction Account within ten (10) business days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Designated Transaction Account. We will tell you the results within three (3) business days after completion of our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation.
Information Authorization. The Bank reserves the right to obtain financial information regarding your Designated Transaction Account from a merchant or financial institution in order to resolve payment posting problems. You understand and agree that we may disclose information to third parties about your Designated Transaction Account or the bill payments you authorize if it is reasonably necessary for completing same.

Assignment. You may not assign this Agreement to any other party. The Bank may assign this Agreement to any future, directly or indirectly, affiliated company. The Bank may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

Amendment. The Bank has the right to change this Agreement at any time by notice by mailed to you at the last address shown for the Designated Transaction Account on the Bank's records, by posting notice in the Bank's branch locations, or as otherwise permitted by law.

No Waiver. The bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank 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.

Captions. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

BY ACCEPTING THE TERMS AND CONDITONS CONTAINED HEREIN, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THIS BILL PAY AGREEMENT. THE BANK MAY MODIFY THIS AGREEMENT AT ANY TIME AND FROM TIME TO TIME IN THE BANK'S SOLE DISCRETION AND WILL NOTIFY YOU OF ANY SUCH AMENDMENT OR MODIFICATION IN ACCORDANCE WITH THE BANK'S NORMAL BUSINESS PRACTICES. YOU SHOULD PERIODICALLY REVIEW THIS AGREEMENT CAREFULLY IN ORDER TO MAKE SURE THAT YOU ARE AWARE OF THE MOST CURRENT TERMS AND CONDITIONS FOR THE USE OF BILL PAY. ANY USE OF BILL PAY BY YOU AFTER ANY CHANGE TO THIS AGREEMENT, WHETHER OR NOT YOU HAVE REVIEWED THE AMENDED AGREEMENT, CONSTITUTES YOUR ACCEPTANCE OF THE AGREEMENT AS CHANGED.

The Bank may discontinue the operation, maintenance or provision of Bill Pay an/or any related content, features, products or services, or terms thereof, any time and will notify you of same in accordance with the Bank's normal business practices.

Termination or Suspension

Your Right to Terminate - You may cancel Bill Pay any time by notifying us in person, by telephone, by postal mail or fax. Your access to Bill Pay will be suspended within three (3) business days of our receipt of your instructions to cancel Bill Pay. You will remain responsible for all outstanding fees, checks, and charges issued or incurred prior to the date of cancellation.

The Bank's Right to Terminate or Suspend -You agree that the Bank can terminate or limit your access to Bill Pay for any of the following reasons: (i) without prior notice, if you have insufficient funds in any of your Designated Transaction Accounts (Bill Pay may be reinstated, at the Bank's sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits); or (ii) upon reasonable notice, for any other reason at the Bank's sole discretion, including insufficient volume of transactions. The Bank also reserves the right to temporarily suspend Bill Pay in situations deemed appropriate by the Bank, in the Bank's sole and absolute discretion, including when the Bank believes a breach of the system security has occurred or is being attempted. The Bank may consider repeated incorrect attempts to enter your User ID and/or Password as an indication of an attempted security breach.

In any such event, the Bank may (but is not obligated to ) immediately discontinue making previously authorized bill payments, including recurring or scheduled bill payments that were previously authorized or issued but not yet processed. Termination or suspension of Bill Pay does not affect your obligations under this Agreement with respect to occurrences before termination or for your cooperation after termination.