Terms & Conditions


This is your bill paying agreement with Building Trades Federal Credit Union (BTFCU).


There is no fee for this service (but see information on Additional Charges below). However, if you do enroll and later decide that you will not use the service, please contact the credit union and have us de-activate your Business Bill Pay service for security purposes.


You may use BTFCU's bill paying service, Business Bill Pay, to direct BTFCU to
make payments from your designated checking account to the Payees you choose in
accordance with this agreement. The terms and conditions of this Agreement are in addition
to the Account agreements, disclosures and other documents in effect from time to time
governing your Account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including the Financial Institution you designate, and the Financial Institution
accepts, as a payee.


Complete a bill paying enrollment form online. IF YOU WANT TO ADD A NEW PAYEE,
USE “SET UP ACCOUNTS/PAYEE.” You may add a new fixed payment to a Payee only if the
Payee is on your authorized list of payees, and by accessing the Service and entering the
appropriate information. Most other additions, deletions, or changes can be made in writing
or by using the Service. The Financial Institution reserves the right to refuse the
designation of a Payee for any reason. Each Payee accepted by the Financial Institution will
be assigned a payee code. You may pay any payee you wish in the US. The Financial
Institution is not responsible if a Bill Payment can not be made due to incomplete, incorrect,
or outdated information provided by you regarding a Payee or if you attempt to pay a
Payee that is not on your Authorized Payee list.


When you complete your bill paying enrollment form, you will be given a USER ID and
Personal Identification Number (PIN). Each time you access the Service, you will be asked
to enter your USER ID and PIN. Correct responses will give you access to the Service.


Single Payments

A single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payment’s process 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 financial institution, is currently 3:00 PM Central Time. A
single payment submitted after the cut-off time on the designated process date will be
processed on the following business day. If you designate a non-business date (generally
weekends and certain holidays) as the payment’s process date, the payment will be
processed on the first business day following the designated process date.

Recurring Payments

When a recurring payment is processed, it is automatically rescheduled by the system.
Based upon your selected frequency settings for the payment, a process date is calculated
for the next occurrence of the payment. If the calculated process date is a non-business
date (generally weekends and certain holidays), it is adjusted based upon the following

If the recurring payment’s “Pay Before” option is selected, the process date for the new
occurrence of the payment is adjusted to the first business date prior to the calculated
process date.

If the recurring payment’s “Pay Before” option is not selected, the process date for the new
occurrence of the payment is adjusted to the first business date after the calculated process

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated
process date.

PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. Any bill payment can
be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time
on the business day prior to the business day the bill payment is going to be initiated.

You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to the Financial Institution. The Financial Institution reserves the right,
without liability, to reject or reverse a bill payment if you fail to comply with this
requirement or any other terms of this agreement. If you do not have sufficient funds in
the Account and the Financial Institution has not exercised its right to reverse or reject a bill
payment, you agree to pay for such payment obligations on demand. You further agree the
Financial Institution, at its option, may charge any of your accounts with the Financial
Institution to cover such payment obligations.

The financial institution reserves the right to change the cut-off time. You will receive notice
if it changes.


You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make OR THAT YOU
AUTHORITY. You are responsible for all transactions initiated by a user that you have
added, even if that user was not previously an authorized signer on your account.

If you want to terminate another person's authority, you must notify the Financial Institution
and arrange to change their PIN. You will be responsible for any Bill Payment request you
make that contains an error or is a duplicate of another Bill Payment.

The Financial Institution is not responsible for a Bill Payment that is not made if you did not
properly follow the instructions for making a Bill Payment. The Financial Institution is not
liable for any failure to make a Bill Payment if you fail to promptly notify the Financial
Institution after you learn that you have not received credit from a Payee for a Bill
Payment. The Financial Institution 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 Financial Institution's agent. In any event, the
Financial Institution will not be liable for any special, consequential, incidental, or punitive
losses, damages, or expenses in connection with this Agreement or the Service, even if the
Financial Institution has knowledge of the possibility of them. The Financial Institution is not
liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any
cause beyond the Financial Institution's reasonable control.


The Financial Institution has the right to change this Agreement at any time by notice mailed
to you at the last address shown for the Account on the Financial Institution's records, by
posting notice in branches of the Financial Institution, or as otherwise permitted by law.

The Financial Institution has the right to terminate this Agreement at any time. You may
terminate this Agreement by written notice to the Financial Institution. The Financial
Institution is not responsible for any fixed payment made before the Financial Institution has
a reasonable opportunity to act on your termination notice. You remain obligated for any
payments made by the Financial Institution on your behalf.


These charges will only be assessed if you request one or more of the services listed here.
There will be no charge for any item if needed to correct a Financial Institution error.

Overdrafts: $30.00

Expedited Payment Fees will include:

Overnight Fee: $14.95

2nd Day Fee: $9.95

Reinstate Fee: $50.00 (This fee would be charged if you request an expedited payment after
having a previous expedited payment returned due to insufficient funds).

Gift Pay Fees will include:

Gift Check: $2.99

Charitable Donations Fee: $1.99

The Financial Institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any such
charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic
Fund Transfers Disclosure Statement included, or, received when you opened your account,
which discloses important information concerning your rights and obligations.