Terms & Conditions

To continue and complete enrollment, please scroll down to read and accept our updated Terms & Conditions. To cancel and not enroll in Bill Payment Services, simply click on the NetTeller tab at the top left of the screen to leave this page:


Bill Payment Services


You may use the online Bill Payment Service to make payments to companies or individuals you select. When you enroll in the Bill Payment Service, you must designate at least one transactional account from which to make payments.

When you schedule a bill payment using the Bill Payment Service, you authorize us to withdraw the necessary funds from your designated transaction account with us. We may refuse to act on your instructions if sufficient funds, including funds available under any overdraft plan, are not available in your designated transaction account on the date you want us to process your payment.


Additional Information About the Bill Payment Service


To begin using the Service, complete the Bill Payment enrollment through NetTeller and use the Service to add your payees and payments. You may add a single or recurring payment to a Payee, only if the Payee is on your authorized list of payees, by accessing the Service and entering the appropriate information. Your Payee?s mailing address must be within the United States, including U.S. territories and Army Post Offices (APOs). If you choose to Pay a Person, your options are by email, text message, direct deposit, or check. We may set daily, monthly, and per transaction limits on the Bill Payment Service, and we reserve the right to adjust these limits at any time. We may refuse the designation of a payee for any reason. The daily cut-off time for bill payments is currently 3:00 p.m. Eastern Time; we reserve the right to change the cut-off time in our sole discretion.


A single payment will be processed on the business day that you designate as the payment date, provided the payment is submitted prior to the daily cut-off time on that date. A single payment submitted after the cut-off time on the designated payment date will be processed on the following business day following the designated payment date.


When a recurring payment is processed, a payment date is automatically calculated for the next occurrence of the payment based upon your selected frequency settings for the payment. If the calculated payment date is a non-business day, it is adjusted as follows: If the recurring payment?s ?Pay Before? option is selected, the payment date for the new occurrence of the payment is adjusted to the first business day before the calculated payment date. If the recurring payment?s ?Pay After? option is selected, the payment date for the new occurrence of the payment is adjusted to the first business date after the calculated payment date.


It is your responsibility to properly establish payees, ensure the accuracy of all payee and payment information, and to schedule payments. The Bill Payment Service will indicate whether a payee is paid electronically or by check, and will calculate the estimated arrival date of your payment. This is strictly an estimate; you must allow ample time for each payment to reach the Payee and to be posted by the Payee. We recommend that you schedule electronic payments a minimum of three business days in advance of when you want the payment to be posted at the payee. We recommend that you schedule check payments a minimum of seven business days in advance of when you want the payment to be posted at the payee. You may change or cancel a payment any time before the scheduled payment date.


We will use our best effort to make all your payments properly. However, we shall incur no liability if we are unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:


Your account does not contain sufficient funds to complete the payment or transfer, or the payment or transfer would exceed the credit limit of your overdraft account;

Bill Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;

The payee mishandles or delays a payment sent by us;

You have not provided us with the correct name, mailing address, electronic address, or account information for those persons or entities you wish to pay, or you attempt to pay a Payee that is not on your authorized payee list;

Circumstances beyond our control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.


Provided none of the foregoing five (5) exceptions to our performance obligations are applicable, if we cause an incorrect amount of funds to be removed from your transaction account or cause funds from your transaction account to be directed to a person or entity which does not comply with your payment instructions, we shall be responsible for returning the improperly transferred funds to your transaction account and for directing to the proper recipient any previously misdirected payments or transfers.


Payment Limits


You may schedule bill payments up to $60,000 per processing day, and up to $120,000 per month. Electronic person-to-person payments (email/text and direct deposit) are limited to $2,000 per day.


Fees


For use of this service, you may be charged $2.95 per month for consumers or $5.95 per month for businesses, for an unlimited number of payments. The monthly service charge will be waived for the first three months.


The current service charge for Cash Management Bill Pay is $5.95 per month and includes ten payments per month. Each subsequent payment will be assessed a $.50 fee. The monthly Cash Management Bill Pay service charge will be waived for the first month.


Fees may apply for merchant payments returned to us. A returned payment will be assessed a $10.00 fee.


The current service charge for Cash Management Bill Pay with Payroll Deposit is $24.95 per month and includes fifty payments per month. Each subsequent payment will be assessed a $.50 fee. The monthly Cash Management Bill Pay with Payroll Deposit service charge will be waived for the first month.


Fees may apply for optional Bill payment services such as gift payments and donation payments. These fees will be disclosed online and will only be assessed if you request one of the optional services.


You are responsible for all telecommunication charges you incur in connecting to the NetTeller and Bill Payment Services. You are also responsible for charges by any Internet Service Provider you use.