Terms & Conditions

Badger Bank Badger Business ePay
Terms & Conditions Disclosure and Agreement

This is your bill paying agreement with Badger Bank. You may use Badger Bank bill paying service, Badger Business ePay, to direct Badger Bank 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 customer who is authorized to use the service. "Payee"means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a "Payee."

SERVICE FEE SCHEDULE:
Unlimited Transactions $10.00 each month after 1 month of inactivity

ACCESSING THE SERVICE:
-Complete and submit the application with your local Badger Bank Business Banker *(subject to Bank approval)
-Log on via the Online Banking Center at www.BadgerBank.bank.
-Click the Badger Business Bill Pay Tab
-Log in using your Business ePay login credentials
-Click on your Bill Payment Account found under "List of Bill Pay Accounts"
-Verify your Badger ePay Account information
-Open your new messages and read the "Welcome" message
-Verify your "Pay From" Account
-ADD a Payee (Any United States recipient, including US territory or APO)
-READY to Submit a Payment *EST Arrival = Payment Due Date*

Note: Badger Bank reserves the right to refuse a "Payee" for any reason.

THE BILL PAYING PROCESS:
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 3pm CST.

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 (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 rules:
-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 After" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.
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.

SINGLE AND RECURRING PAYMENTS:
The system will calculate the Estimated Arrival Date of your payment, this is only an estimate, please allow ample time for you payments to reach your "Payees."

CANCELLING A PAYMENT:
A bill payment can be changed or cancelled, any time prior to the cutoff time on the scheduled process date.

AVAILABLE FUNDS:
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 the above requirement or any other term 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.
Note: The Financial Institution reserves the right to change the cut-off time; you will receive notice of change.

LIABILITY:
-You are solely responsible for controlling the safekeeping of and access to your; PIN, Bill Pay User Code, Bill Pay Password and all Challenge Phrase answers.
-You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority.
-If you want to terminate another person's authority, you must notify the Financial Institution and arrange to change your; PIN, Bill Pay User Code, Bill Pay Password and all Challenge Phrase answers.
-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.

AMENDMENT TERMINATION:
-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.

SERVICE FEES:
-Unlimited Transactions $10.00 each month after 1 month of inactivity
-Written Correspondence to "Payee" : $10
-Per proof of payment not necessitated by a dispute: $10
-Payments returned due to customer error: $5
-Reinstate Fee: $50
-Cancellation Fee: $7.50
-ACH Return Fee: $10
-Express Mail correspondence: $15
-Non-Sufficient Funds Fee: $35

Miscellaneous Product Fees:
-Overnight Fee: $34.95
-2nd Day Fee: $29.95
-Charitable Donations: $1.99
-Gift Pay: $2.99

Second Day Electronic Delivery: $6.95

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, which discloses important information concerning your rights and obligations.