Terms & Conditions

Liberty National Bank Bill Pay Policy

Bill Payment Processing
The Bill Pay service allows you to use your accounts to pay a bill or to make payments to a business or other payee that has a mailing address within the U.S. You agree not to use the Bill Pay service to make any tax payments or any court-ordered payments. You agree that if you attempt to make payments for taxes or court-ordered payments or if you attempt to make payments to a payee outside the U.S., Liberty National Bank will not be responsible for that payment.
By registering for the Bill Pay service, you authorize LIBERTY NATIONAL BANK and its agents to follow the payment instructions you have provided using your Personal Liberty Express Online Banking Account. You will provide LIBERTY NATIONAL BANK with the names, addresses, phone numbers and account information of those persons or entities to whom you wish to make a Bill Payment. When you initiate a Bill Payment, you authorize LIBERTY NATIONAL BANK to charge your account on a Business Day provided in the transaction and to remit funds to the payee on your behalf electronically, provided electronic payments are permitted and accepted by the payee. If the payee does not permit and accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by LIBERTY NATIONAL BANK or its agent and payable to the payee. Such paper check will state that it represents a payment from you and will indicate the account number of your account with the payee.
Payments can be sent to payees electronically or by check. As a number of different factors are considered to determine how the payment will be sent, we cannot tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method.
Electronic payments are sent whenever possible. If a payee accepts checks only, an individual corporate check is sent.
While it is anticipated that most Bill Payments will be processed and completed on the same business day selected for the Bill Payment Process Date, it is understood by you that due to circumstances beyond the control of LIBERTY NATIONAL BANK, such as delays by the payee and the payee's bank or agent in handling and posting Bill Payments, some Bill Payments may take longer to be posted to your account at the payee. For this reason, LIBERTY NATIONAL BANK recommends that you select a Bill Payment Process Date which is at least five to seven Business Days before the actual due date of the payments. You agree that LIBERTY NATIONAL BANK will not be responsible for any Bill Payment that is received or posted by the payee after the grace period or that results in a late charge or penalty being assessed by the payee if you did not follow this recommendation. In such event, you agree that you shall have the sole risk of incurring and the sole responsibility for paying any and all late charges or penalties assessed by the payee.
Only payees with United States addresses may be paid using the Bill Pay service. We reserve the right to limit the frequency and dollar amount of transactions from your accounts.
You may use Bill Pay service to authorize automatic recurring payments of recurring bills. These payments must be for the same amount each month and they will be paid on the same calendar day of each month, or on the next Business Day if the regular payment day falls on a weekend or holiday.
If a Bill Pay transaction cannot be processed according to your instruction, a Liberty Express Email notification will be sent to you.

Your Right to Cancel (Stop Payment) a Bill Payment
You can cancel or stop a single Bill Payment any time before the Bill Payment Process Date for that payment through the use of Personal Liberty Express Internet Banking. If the Bill Payment is a recurring payment set up on the Bill Pay service, then you can cancel that Bill Payment: (1) Through the use of Personal Liberty Express Internet Banking as long as the request is received before the Bill Payment Process Date of the next recurring Bill Payment, (2) By calling us at 419-673-1217. We must receive your call at least 3 (three) Business Days before the Bill Payment Process Date of the next recurring Bill Payment. If you call, we will require you to put your request in writing and get it to us within 14 calendar days after you have made the request. If you order us to cancel a recurring Bill Payment three Business Days before the Bill Payment Process Date of the next recurring Bill Payment and we do not do so, then we will be liable to you for your losses or damages. Once a recurring bill payment is cancelled, all future payments to that payee will be cancelled and you must reschedule it if you want a Bill Payment to be made in the future.