Terms & Conditions

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STAR BILL PAY AGREEMENT/DISCLOSURE



This is your Bill Pay Agreement with STAR Financial Bank (“STAR”). You may use STAR Bill Pay to direct STAR 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 checking account and STAR on-line banking.

"You" or "your" means each person who is authorized to use the Service. "Payee" means anyone that you designate as a payee so long as the payee is acceptable to STAR’s systems and this Agreement. STAR Bill Pay may also be called a “Service”.

HOW TO SET UP PAYEES/PAYMENTS

USE “SET UP ACCOUNTS/PAYEE” ON STAR ON-LINE BANKING OR SPEAK TO A SERVICE REPRESENTATIVE. 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 or deletions are made on-line by using the Service. STAR reserves the right to refuse the designation of a Payee for any reason. Each Payee accepted by STAR will be assigned a payee code. You may pay almost any payee you wish. There are several restrictions: 1) Merchants must be located in the United States; 2) Payments may not be remitted to tax authorities or government and collection agencies; 3) Payments may not be remitted to brokerage companies such as Ameritrade for stock purchases and 4) Court directed payments are unauthorized (Alimony, child support, or other legal debts). You may use this Service to send payments to your son/daughter in college, pay your utility bills, pay your doctors, pay your loans,, credit cards, charitable donations, etc. A merchant is defined as anybody (company or individual) to whom you want to send money.

STAR is not responsible if a bill payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your authorized payee list.

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 STAR, is currently 3 PM ET. 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 rules:

• If the recurring payment’s “Pay Backward” 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 Backward” option is not selected (or if the “Pay Backward” option is not available), 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.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, 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 STAR. STAR 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 designated account and STAR 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 that STAR, at its option, may charge any of your accounts with STAR to cover such payment obligations.

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

LIABILITY

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 STAR and arrange to change your on- line banking PIN. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. STAR is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. STAR is not liable for any failure to make a bill payment if you fail to promptly notify the STAR after you learn that you have not received credit from a Payee for a bill payment. STAR 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 STAR’s agent. In any event, STAR 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 STAR has knowledge of the possibility of them. STAR 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 STAR’s reasonable control.

Amendment and Termination

STAR has the right to change this Agreement at any time by providing notice to you in advance. A change may be communicated to you electronically. If mailed, the notice will be sent to you at the last address shown for the account on STAR’s records, or as otherwise permitted by law.

STAR has the right to terminate this Agreement at any time. You may terminate this Agreement by providing notice to STAR which STAR must receive and have a reasonable time to log the termination.. STAR is not responsible for any fixed payment made before STAR has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by STAR on your behalf.


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