Terms & Conditions

Champion Credit Union Bill Pay Service Agreement

This Online Bill Payment Agreement / Disclosure (the "Agreement") states the terms and conditions governing Champion Credit Union's ("CCU") Business Online Bill Payment service ("Bill Payment" service and sometimes "Bill Pay"). Payments made under the Bill Payment service are "Bill Payments".
Completion of the CCU's Business Bill Payment self-enrollment, acceptance of the terms and conditions and use of the service, means you agree to abide by the terms and conditions of this Agreement. In addition, the terms and conditions of this Agreement are in addition to any other account agreements and other documents and disclosures governing your account.

The terms "we", "us" and "our" and Champion Credit Union refer to the CCU. "You" refers to each person who enrolls for Online Banking Services and has a PASSWORD (Personal Identification Number). The term "business days" means Monday through Friday, excluding Saturday, Sunday and Bank Holidays.
After enrollment, you will access the Bill Payment service through CCU's online banking found at
http://www.championcu.com.

There are detailed instructions for use of Bill Pay contained in the online help menus available while using the Bill Payment service. You may also contact iPay support from 7:30 am EST through 2am EST Monday- Friday by calling toll free 855-890-7226 or clicking on the live chat icon to initiate a web chat session with a bill payment representative who will assist you with any bill payment questions.

The Bill Payment service allows you to schedule bill payments electronically or by check if your payee does not participate in the electronic bill payment program. Subject to any regulatory or Credit Union imposed limitations on usage, you can arrange for the payment of your bill from a CCU checking account. Access to the Bill Payment service is made available pursuant to a license agreement by and between CCU and iPay. Any interruption of service or access caused by CCU or iPay may prevent your use of the service. To utilize the services, you will need to enter your username and password and satisfy the system's security procedures, including multi-factor authentication.

1. Account. In order to use the Bill Payment service, you understand that you must have a qualified checking account with CCU and be enrolled in our business online banking service. You must designate the Account(s) from which Bill Payments are to be made. By using Bill Payment, you agree that, based upon instructions received under your password, we can charge your designated Account(s) by debiting and remitting funds on your behalf. Bill payments may be only processed using your designated bill pay account. You may have multiple designated bill pay checking accounts, but each one must have its own payee list.

2. Equipment & Software. You are responsible for the installation, maintenance and operations of your computer and its software. CCU is not responsible for any errors or failures from any malfunction of your computer or the software you use in access any accounts with CCU or the use of the Bill Payment service. CCU is also not responsible for any computer virus or related problems that may be associated with the use of any online system with CCU.

3. Payees. You must designate the complete name of the Payee, the Payee account number, the Payee Telephone Number and the Payee's remittance address, all exactly as shown on the billing statement or invoice. It is your responsibility to manage your Payee List and maintain accurate Payee information, such as, but not limited to, the address to which the Payee specifies Payments are to be delivered, your account number with the Payee, the name on your account with the Payee, the Payee's phone number and the name of account holder at the Payee. We reserve the right to refuse to pay any Payee designated by you. If we do so, we will notify you promptly. You hereby agree and authorize us to utilize the most effective means to process your transaction, including, without limitation, electronic, paper, or other draft means. You may pay any Payee within the United States in U.S. Dollars. You may not use the Bill Payment service to make payments to a federal, state or local governmental or tax unit, or to pay child-support or alimony.

4. Bill Payments. Bill Payments may be entered on the single payment, recurring payments or multiple payment screens. Using any of these screens, you must enter a payment date or start and end date, depending on the type of payment, for your bill payment. Bill Payments are scheduled by you to be debited from your bill pay account based on the date(s) you enter on one of the bill payment screens. In scheduling Bill Payments, do not use the bill due date as the payment schedule date. If you submit an electronic payment, sufficient funds must be available at the time the payment is processed and posted from your account. If the Payee is to be paid by paper check (as indicated on the Bill Payment Payee List), you understand and agree that paper checks are mailed to the Payee and the Payee may not receive the Bill Payment until 5 to 8 business days after the date the payment schedule date. Bill Payments processed by check will be printed with your designated account number, and sufficient funds must be available at the time the bill payment is processed. If the Payee is to be paid electronically (as indicated on the Bill Payment Payee List), you understand and agree that the Payee may not receive the Bill Payment until up to three (3) days after the date the payment scheduled date. The funds will come out of the designated account on the payment scheduled date. If you do not allow sufficient time, you will assume full responsibility for all late fees, finance charges, or other actions taken by the payee. You should carefully consider factors such as the Payee's due date for payment, grace period, whether the Payee's due date for payment falls on a non-Business Day and other factors when scheduling a Bill Payment to avoid late payments and late fees. If the Payee is not set up for electronic payments or cannot receive electronic payments, the Bill Payment to such Payee will be processed by check rather than electronically.

You are responsible for monitoring the Bill Pay activity to verify that you did not have a payment that was not processed due to insufficient funds in your account. If you do have a payment that failed because of insufficient funds in your account, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Bill Pay, after ensuring that you have the sufficient funds to cover the Bill Pay amount.

You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of Bill Payments by a third party such as the failure of the Payee to properly post a Bill Payment to your account with the Payee.

Bill Payments made after the cut-off time will be processed on the following Business day. The cut-off time on each Business day is 4:00 pm Central Time. If you schedule a Bill Payment for a date that is not a Business day, the payment will be processed on the following Business day.

CCU reserves the right to change the cut-off time and cancellation time. You will receive notice in advance of any changes.

Bill Payments you setup as recurring are automatically rescheduled by the Bill Payment service. Based upon your selected frequency settings for the Bill Payment, a process date is calculated for the next occurrence of the Bill Payment. If the calculated process date is not a Business day, it is adjusted based upon the following rules:
- If the recurring Bill Payment's "Pay Before" option is selected, the process date for the new
occurrence of the Bill Payment is adjusted to the first Business day prior to the calculated date;
- If the recurring Bill Payment's "Pay After" option is selected, the process date for the new
occurrence of the Bill Payment is adjusted to the first Business day after the calculated date.

If a Bill Payment Frequency day of the 29th, 20th or 31st is selected and that day does not exist for a particular month in which the bill is being paid, then the last calendar day of that month is used as the calculated payment date.

Returned Payments. In using the Bill Payment service, you understand that Bill Payments may be returned by or to CCU for various reasons including (but not limited to) the:
(a) Account or account number at the Payee is not valid,
(b) Payee address is not valid,
(c) Payee returns or rejects the remittance item, or
(d) Account at the Payee has been paid in full or has been turned over to another company or individual.

CCU shall use commercially reasonable efforts to research and correct the returned payment, or void the payment and credit your Payment Account. You may receive notification through the Bill Payment service for any Bill Payments that are returned.

5. Restrictions. Certain restrictions apply to Bill Payments: (a) the payee or merchant must be located in the United States; (b) Bill Payments may not be remitted to tax authorities, government agencies or collection agencies; (c) payments to security companies for stock purchases or trade taxing authorities are restricted; (d) court directed payments such as alimony, child support or other legal debts are restricted. In addition, Bill Payments are restricted to the following limits: (i) Bill Payments cannot exceed the following limitations:
Warn Limit $2,500.00
Maximum Transaction Amount $25,000.00
Maximum Amount per processing day $50,000.00
Maximum Amount per processing month $250,000.00
Transfers Per Item: $10,000.00
Per Day: $10,000.00
Email Payments Per Item: $10,000.00
Per Day: $10,000.00
Pay an individual Per Item: $10,000.00
Per Day: $10,000.00

**CCU reserves the right to change limits at any time.**

6. Fees. There is a flat monthly fee of $8.00 for the Bill Pay service; however, we reserve the right to change fees at any time with proper notice as required by law.

7. Available Funds. You agree to have available sufficient funds on deposit in the Account that you designate to pay all Bill Payments. CCU reserves the right, without liability, to reject or reverse a Bill Payment if you fail to comply with the above requirements or any other term of this Agreement. If you do not have sufficient funds in your account and CCU has not exercised its right to reverse or reject a Bill Payment, you agree to pay Insufficient Fund and Overdraft fees as disclosed in CCU's Schedule of Fees. You further agree that CCU, at its option, may charge any of your Accounts with CCU to cover such Bill Payment obligations. Bill Payments with a status of "processed" may not be canceled or changed.

CCU is not liable in any way for damages you incur if: you do not have sufficient funds in your account to make the electronic payment when it is processed; the estimate of time to allow for delivery to the payee is inaccurate; there are mail delivery delays, changes of merchant address or account number; any merchant fails to account correctly for or credit the payment in a timely manner; or for any other circumstances beyond the control of CCU. We are not responsible for Bill Payments that cannot be made due to incomplete, incorrect, or outdated information. If a Bill Pay check payment is made through use of the Bill Payment service with insufficient funds in your account when the bill payment is processed, you may be subject to a non-sufficient funds fee or courtesy pay fee pursuant to the terms of the membership agreement governing the account and CCU's Funds Availability Disclosure.

8. Canceling or Modifying Bill Pay Authorized Payments. Bill Pay payment transactions cannot be canceled or changed once your Bill Pay session has been processed. You may, however, edit or delete these transactions up until your Bill Pay session is terminated. In order to request a cancellation of a payment or change a Bill Pay transaction designated with future bill payment date or a "recurring" date, you must use Bill Pay and follow the instructions provided to you. You must cancel the payment using Bill Pay by 3:00 p.m. on the day before the scheduled processing day.

9. Modification of Service. CCU is not liable under this Agreement for failure to provide access due to a system failure or other unforeseen acts. We may modify, suspend or terminate access to the Bill Payment service at any time and for any reason without prior notice, unless law requires notice.

10. Responsibility and Liability for Transactions. You are solely responsible for the security of your password used for any of your accounts with CCU and for the Bill Payment service (collectively "Password"). All Bill Payments made with your Password are conclusively presumed to have been authorized by you. We shall have no liability to you for any unauthorized Bill Payment made using your Password that occurs before you have notified us of possible unauthorized use, in writing, and we have had a reasonable opportunity to act on that notice.

You will be responsible for any and all Bill Payment instructions that you make that contain an error or that is a duplicate of another Bill Payment instruction. CCU is not responsible for a Bill Payment that is not made if you did not properly follow the instructions on the Bill Payment service website for making a Bill Payment or incorrectly entered a Bill Payment instruction with us. CCU is not liable for any failure to make a Bill Payment if you fail to promptly notify CCU after you learn that you have not received credit from a Payee for a Bill Payment. CCU is not responsible for your acts or omissions or those of any third person, including, without limitation, any Payee or transmission or communications facility; and no such party shall be deemed to be CCU's agent. In any event, CCU will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Bill Payment service, even if CCU has knowledge of the possibility of them. CCU 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 CCU's reasonable control.

11. Your Authorization. When you enter payment instructions to schedule a Payment, you expressly authorize CCU to withdraw from your account the Bill Payment amount and to remit those funds to the designated Payee on your behalf, and additionally to debit your account for any applicable service related fees, if any.

You certify that the account used you use to utilize the Bill Payment service is an account from which you are authorized to make payments and incur debits. You agree to have available and collected funds on deposit in your designated account in amounts sufficient to process each payment as requested by you, as well as any other payment obligations you have to CCU. CCU reserves the right, without liability, to reject or reverse a payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds available in your designated account, and CCU has not exercised its right to reverse or reject a Bill Payment, you agree to pay for such Bill Payment obligations on demand. You further agree that CCU, at its option, may charge any of your accounts at CCU to cover such Bill Payment obligations.

You authorize CCU to contact your Payees to request appropriate adjustments consistent with the Bill Payment instructions and/or to stop payment on any draft issued against your designated account in connection with the Bill Payment service in the unlikely event that the Bill Payment service remits funds incorrectly to any of your Payees, and/or to withdraw funds from your designated account in such event if you otherwise receive the benefit of the amount of such incorrectly remitted funds.

12. YOU ARE RESPONSIBLE FOR UNAUTHORIZED ACTIVITY. Tell us AT ONCE if you believe your user identification, password or other means of accessing the Bill Payment service have been stolen or used without your permission. You could lose all the money in your designated account, plus any credit available in any available overdraft protection plan. Also, if the periodic statement for your designated account shows Bill Payments or other Bill Payment service transactions that you did not make tell us at once. YOU ARE RESPONSIBLE FOR ALL BILL PAYMENTS INITIATED USING YOUR USER IDENTIFICATION, PASSWORD AND OTHER MEANS OF ACCESSING THE BILL PAYMENT SERVICE, REGARDLESS OF WHETHER YOU AUTHORIZED THEM OR IF THEY EXCEED ANY LIMITS ON YOUR DESIGNATED ACCOUNTS.

13. Account Security. You are solely responsible for controlling the safekeeping of and access to your user identification, password or other means to access the Bill Payment service. You agree not to give out or make available your user identification, password, access code, authenticating image or other means to access your account(s) or the Bill Payment service to any unauthorized individuals. You are responsible for all Bill Payment instructions and Bill Payments authorized by you or anyone to whom you provide access to the Bill Payment service, even if that person exceeds his or her authority or any limitations on your designated account(s).

14. Electronic Mail (E-Mail). Sending e-mail is a very good way to communicate with CCU regarding the Bill Payment service. However, any e-mail which is sent via your own software is not a secure method of communication. Because of this, you should not include confidential information, such as account numbers and balances in any e-mail communication. You cannot use e-mail to initiate Bill Payment instructions, Bill Payments or any other transactions through the Bill Payment service. All such transactions must be initiated using the appropriate functions within the Bill Payment service. Neither CCU shall be liable for any errors, omissions, claims, or problems of any kind involving your e-mail. For questions or issues which require resolution and might require the transmission of confidential, sensitive or personal information, please use the secure messaging function available through the CCU website, or call CCU directly.

15. Account Contact and Information. It is your sole responsibility to maintain accurate and complete contact information in your user profile. This includes, but is not limited to, name, address, phone numbers and e-mail addresses, and verifying account numbers. Changes can be made within the Bill Payment service or by contacting CCU. CCU shall not be responsible for any payment processing errors or fees incurred if you do not provide accurate account or contact information.

16. Links to other Sites. Information that CCU publishes on the Internet may contain links to other sites and third parties may establish links to the Bill Payment service's website. CCU makes no representations or warranties about any other website that you may access to, from or through the Bill Payment service's site. Unless expressly stated in writing, CCU does not endorse the products or services offered by any company or person linked to this site, nor is CCU responsible for any software or the content of any information published on the site of any third party. You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs. You should also review the privacy policy of any third party site, as it may have different privacy and information safeguarding standards than CCU.

17. Virus Protection. CCU is not responsible for any electronic virus that you may encounter using the Bill Payment service. You are encouraged to routinely scan your computer and files using reliable virus protection products to detect and remove viruses. If undetected and unrepaired, a virus can corrupt and destroy your programs, files and hardware.

18. Damages and Warranties. In addition to the terms previously disclosed, CCU is not responsible for any losses, errors, injuries, expenses, claims, attorney's fees, interest or other damages, whether direct, indirect, special, punitive, incidental or consequential, (collectively, "Losses") caused by the use of the Bill Payment service or in any way arising out of the installation, use or maintenance of your personal or business computer hardware or software, including any software provided by CCU or one of its suppliers. In addition, CCU disclaims any responsibility for any electronic virus(es) you may encounter after installation of such software or use of the Bill Payment services. Without limiting the foregoing, neither CCU nor its suppliers shall be liable for any: (a) failure to perform or any losses arising out of an event or condition beyond their reasonable control, including but not limited to communications breakdown or interruption, acts of God or labor disputes; or (b) the loss, confidentiality or security of any data while in transit via the Internet, communication lines, postal system or electronic funds transfer networks. CCU and its suppliers provide the Bill Payment service from their own sites and they make no representation or warranty that any information, material or functions included in the Bill Payment service are appropriate for use by you in your jurisdiction. If you choose to use the Bill Payment service, you do so on your own initiative. Neither CCU nor any of its suppliers warrant the adequacy, accuracy or completeness of any information provided as a part of the Bill Payment service, or contained in any third party sites linked to or from CCU's websites. CCU MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF THE BILL PAYMENT SERVICE, OR ANY SOFTWARE THAT MAY BE USED IN CONNECTION WITH SAME. CCU DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ERROR-FREE OPERATION.

19. Indemnification. You shall indemnify, defend and hold harmless CCU and their affiliates, officers, employees, directors, suppliers and agents, in their individual capacities or otherwise, from and against any losses arising out of: (a) your negligence; (b) your failure to comply with applicable law; or (c) your failure to comply with the terms of this Agreement.

20. Additional Remedies. Due to the likelihood of irreparable injury, CCU shall be entitled to an injunction prohibiting any breach of this Agreement by you.

21. Miscellaneous.
a) Amendment and Termination. CCU reserves the right to terminate this Agreement or to change the charges, fees or other terms described in this Agreement at any time. When changes are made, you will be notified by: (i) electronic mail; (ii) physical mail at the address shown in our records; (iii) update of our website; or (iv) as otherwise permitted by applicable law. Your continued use of the Bill Payment service after being notified of changes to this Agreement shall constitute your agreement to such changes.
b) You may terminate this Agreement by written notice to CCU. CCU is not responsible for terminating any scheduled One-Time Payment nor Recurring Payment processed prior to a reasonable opportunity to act on your termination notice. Once your Bill Payment service is terminated, all of your scheduled One-Time Payments and Recurring Payments shall be terminated as well. You remain obligated for all Bill Payments made by the Bill Payment service on your behalf under this Agreement.
c) Applicable Law and Jurisdiction. You submit to the jurisdiction of, and this Agreement shall be governed by the laws of, North Carolina, as well as federal law. Venue for any action arising out of this Agreement shall be in a state court of competent jurisdiction covering Haywood County, North Carolina. The prevailing party in any such action shall be entitled to the recovery of its reasonable attorney's fees, costs, and expenses.
d) Assignment. CCU may assign its rights and/or delegate all or a portion of its duties under this Agreement to a third party. You may not assign this Agreement to any other party.
e) Integration. This Agreement constitutes the entire understanding of the parties with respect to the subject matter of this Agreement, and all prior agreements, understandings and representations concerning such subject matter are canceled in their entirety. Notwithstanding the foregoing, this Agreement is in addition to any other agreements between you and CCU regarding CCU's online banking service and the agreements, disclosures and other materials regarding your deposit accounts with CCU as described herein.
f) Disputes. In the event of a dispute regarding the Bill Payment service you and CCU agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the terms and conditions governing the use of the Bill Payment service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Bill Payment service relating to the subject matter of this Agreement. If there is a conflict between what is said by a CCU employee or customer service department and the terms of this Agreement, the terms of this Agreement shall prevail.
g) Waiver. CCU shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of its rights under this Agreement. No waiver by CCU of a breach of this Agreement shall constitute a waiver by such party of any prior or subsequent breach of this Agreement.
h) Force Majeure. Neither party to this Agreement shall be liable for any loss or damage due to causes beyond its control, including fire, explosion, lightning, pest damage, power surges or failures, strikes or labor disputes, water, acts of God, the elements, war, civil disturbances, acts of civil or military authorities or the public enemy, inability to secure raw materials, transportation facilities, fuel or energy shortages, acts or omissions of communications carriers, or other causes beyond that party's control. Either party may terminate this Agreement immediately on written notice if the other party is prevented from performing its obligations under this Agreement for a period of more than thirty (30) days due to the reasons set forth in this subsection.
i) Construction. This Agreement shall be construed equally against the parties regardless of who is more responsible for its preparation. If there is a conflict between a part of this Agreement and any present or future law, the part of this Agreement that is affected shall be curtailed only to the extent necessary to bring it within the requirements of that law.
j) Headings and Captions. The headings and captions of the various subdivisions of this Agreement are for convenience of reference only and shall in no way modify or affect the meaning or construction of any of the terms or provisions hereof.
k) Severability. If any provision of this Agreement is determined by a court of competent jurisdiction to be unenforceable as written, that provision shall be interpreted so as to achieve, to the extent permitted by applicable law, the purposes intended by the original provision and the remaining provisions in the Agreement shall continue intact. In the event that any statute, regulation or government policy to which CCU is subject and that governs the Bill Payments and other transactions initiated through the Bill Payment service would invalidate or modify any portion of this Agreement, then this Agreement or any part thereof shall be deemed amended to the extent necessary to comply with such statute, regulation or policy and CCU shall incur no liability to you as a result of CCU's compliance with such statute, regulation or policy.
l) Successors. This Agreement shall be binding upon and shall inure to the benefit of the parties and their respective successors and permitted assigns.