Terms & Conditions

Lighthouse Federal Credit Union Bill Pay Service Terms and Conditions Agreement


This Agreement between you and Lighthouse Federal Credit Union ("we" or "us") contains the terms, conditions and disclosures for the Bill Pay Service for which you have applied. The Bill Pay Service operates through your checking account(s) with us, and you are subject to the rules and regulations and terms and conditions governing the general use of those accounts.

You will need the following to access the Bill Pay Service:
- A computer or mobile device
- An internet connection
- A supported browser or application
- Enrolled in our Digital Banking platform
The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or internet connection software. The Bill Pay Service can be used at any time of day or night. However, certain computer maintenance or malfunctions may make it unavailable at times.

Joint Accounts: If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by the Terms and Conditions, and alone and together will be responsible for all transactions to or from any checking accounts as provided in this Agreement. Each joint owner, without the consent of any other account owner, may and hereby is authorized by every other joint owner, to make any transaction permitted under this Agreement.

General
a) "You" or "Your" means each person authorized to use the Bill Pay Service. "Payee" means anyone authorized to accept payments through the Bill Pay Service.
b) We may use outside vendors as necessary to provide the Bill Pay Service. We, and any third party acting on our behalf, may choose the most effective method to process your payments, including, without limitation, electronic, paper or other draft means.
c) Funds from payments made by check drafts are removed from your checking account when the check clears. If funds are not available at that time, the check will be returned unpaid and you will be charged an Insufficient Funds fee, (unless you have Overdraft Protection and adequate funds are available). Refer to our Schedule of Fees for details.
d) Electronic payments are withdrawn on the processing date.
e) We, and any third party acting on our behalf, may represent you while processing or transferring payments to payees and to post such transfers and/or payments to your account with us.
f) Bill Pay Service requires an e-mail address.
g) Bill Pay Service requires an active checking account. Automatic transfers may not be made from a savings account to pay scheduled Bill Pay Service items. If you are enrolled in Overdraft Protection, there are insufficient funds in your checking account to cover the Bill Pay Service item, and the Bill Pay Service item is being paid in the form of a check, funds will be transferred from your designated Overdraft Protection draw account to pay the item if available and you will be charged and Overdraft Protection Fee. Refer to our Schedule of Fees for details. Overdraft transfers will not be made if the Bill Pay Service item is paid electronically.
h) We may not make certain payments and/or transfers if there are insufficient funds in your checking account selected for payment.
i) By providing us with names and account information of payees to whom you wish to direct payments, you authorize us to follow the payment instructions that we receive through the Bill Pay Service. When we receive payment instructions, you authorize us to debit your account and remit funds on your behalf.
j) Payments to payees outside of the United States or its territories are prohibited through the Bill Pay Service.
k) Payment of government service charges (ex. property taxes, traffic tickets, child support, collection agencies, and other court directed payments) via the Bill Pay Service are strongly discouraged and are scheduled at your own risk. In no event shall we be liable for damages resulting from your scheduling of these types of payments. Any guarantees made by us in this Agreement as they apply to any late payment related charges are void when these types of payments are scheduled and/or processed. We have no obligation to research or resolve any claim resulting from a tax or court directed payment. All research and resolution for any misapplied, misposted or misdirected payments will be solely your responsibility.
l) You will receive a confirmation number for each scheduled payment.
m) We reserve the right to refuse to make any payment and will notify you by e-mail and/or Bill Pay Service message of any such refusal within two (2) business days following receipt of your payment instruction.
n) This Agreement does not alter your liability or obligations that currently exist between you and your payees.

Fees
Any applicable service charges will be applied in accordance with our Schedule of Fees.

Limits on Dollar Amounts
There is a total daily dollar amount limit of $9,999.00 for all payments initiated through the Bill Pay Service. There is a per transaction limit of $9,999.00 for payments sent to a business payee and $2,500.00 for payments sent to an individual payee (or the available balance in the checking account plus Overdraft Protection if eligible at the time the payment is scheduled, whichever is less).

Payment Date
The payment date indicated by you must be a business day. Every day is a business day except Saturdays, Sundays and federal holidays. If you list a payment date that is not a business day, you will be asked to select the previous business day or the next business when scheduling the payment. Please note that the processing time of your payment varies by each payee.

Cut-Off Time
Transactions entered on or before 3:00 PM ET on any business day will be processed on the same day. Transactions entered on weekends, federal holidays or after 3:00 PM ET on a business day will be processed on the next business day.


Recurring Payments
When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your scheduled frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. 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 processing date, then the last calendar day of that month is used as the calculated processing date. When scheduling a recurring payment, you will select if you want the processing to take place prior to or following a non-business day, if the payment date falls on a non-business day.

Failed Payments
If we are unable to process a Bill Pay Service transaction (for example, there are insufficient funds in your account to cover the transaction), you will be notified by e-mail. Payments are sent ONE time and are NOT automatically rescheduled when they fail.

If a payment fails, you agree that:
a) You will reimburse us, immediately upon demand, for the transaction amount that has been returned to us;
b) You will reimburse us for any fees we incur in attempting to collect the amount of the return from you; and
c) We are authorized to report the facts concerning the return to any credit reporting agency.


ebill
The ebill feature allows for electronic bill delivery and presentment through the Bill Pay Service. If you activate this feature, you agree to the following:
a) It is your sole responsibility to contact your payees/billers directly if you do not receive your statements.
b) We are unable to update or change your personal information, such as, but not limited to, name, address, phone numbers and e-mail addresses, with ebill. Any changes will need to be made by contacting your payee/biller directly.
c) It is your responsibility to maintain all login IDs and passwords for all ebill payee/biller sites.
d) You agree not to use someone else?s information to gain unauthorized access to another person?s bill(s).
e) We may, at the request of the payee/biller, provide to the payee/biller your e-mail address, service address, or other data specifically requested by the payee/biller at the time of activating ebill for that payee/biller, for purposes of the payee/biller to inform you about your bill information.
f) Upon activation of ebill, we may notify the payee/biller of your request to receive electronic billing information. The presentment of your first electronic bill for that payee/biller may vary from payee/biller to payee/biller and may take up to sixty (60) days, depending on the billing cycle of each payee/biller.
g) It is your responsibility to keep your accounts current while ebill is being activated.
h) Each payee/biller reserves the right to accept or deny your request to receive electronic bills.
i) Your activation of ebill for a payee/biller shall be deemed by us to be your authorization for us to obtain bill data from the payee/biller on your behalf.
j) It is your sole responsibility to ensure that your contact information and notification preferences within the Bill Pay Service are correct.
k) It is your responsibility to check on the delivery of new electronic bills.
l) You are responsible for ensuring timely payments of all bills.
m) The payee/biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel the electronic bill presentment at any time. The timeframe for cancelling varies and may take up to sixty (60) days. We are not responsible for presenting any electronic bills that are already in process at the time of cancellation.
n) You agree to hold us harmless should the payee/biller fail to deliver your electronic bill(s).
o) Copies of previously delivered electronic bills must be requested from the payee/biller directly.
p) We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we received from the payee/biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the payee/biller directly.

Cancelling or Changing Payments
A payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date. A change or payment cancellation can be done through the Bill Pay Service.

Suspended Service
We reserve the right to suspend your subscription to the Bill Pay Service, pursuant to the Member Conduct, Limitation of Services and Expulsion Policy within our Consumer and Business Account Combined Disclosure Agreements. This suspension may be without prior notice to you. All inquiries relating to suspensions, including requests for reinstatement, should be directed to a Member Services Representative at 888.436.1847 or through Digital Banking?s Secured Message Center.

Cancelling Service
If you wish to cancel the Bill Pay Service, you must notify a Member Services Representative at 888.436.1847. We will not be liable for payments made due to lack of proper notification of service termination.

Notifications
You may elect to receive notifications from the Bill Pay Service via e-mail and/or text message. Notifications will be sent based on the contact information you have provided to us. You are responsible for providing and maintaining appropriate and accurate information with us to ensure that these notifications are sent to you. We are not responsible for any charges associated with e-mail and text message notifications.

Equipment
We are not responsible for any loss, damage, or injury caused by your equipment. We are not responsible for any direct, indirect, special, or consequential damages arising out of the installation, use, or maintenance of your equipment, software, or the Bill Pay Service, except where required by law.

Exclusions of Warranties
THE BILL PAY SERVICE AND RELATED DOCUMENTATION ARE PROVIDED ?AS IS? WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Amendments
From time to time, we may amend the terms of this Agreement except as otherwise prohibited by law. We will notify you of any changes as required by law. Any use of the Bill Pay Service after notice of a change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the applications, services, and/or related materials which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the applications, services and/or related materials and limit access to only our most recent versions and updates. If any amendment results in greater cost or liability to you or stricter limitations on the frequency or dollar amounts of transfers, we will give you advance notice of at least 30 days by mailing a copy of the amendment to you at your most recent address shown on our records or delivered to your e-mail of record, or other electronic method to which you have agreed.

Information Changes
It is your sole responsibility to ensure that your contact information on file with us is current and accurate. This includes, but is not limited to, your name, address, phone number(s) and e-mail address(es). Changes to your contact information can be made within the Bill Pay Service. NOTE: If you change your information through the Bill Pay Service only, your records will NOT be updated elsewhere in our systems.

Severability
In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.

No Waiver
We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or waiver of any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Assignment
You may not assign this Agreement to any other party. We may assign this Agreement to any future, directly or indirectly, affiliated company. We may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.

Governing Law
This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of New Hampshire and Maine where you opened your account, and the Bylaws of Lighthouse Federal Credit Union as they now exist or may be hereafter amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us.

Confidentiality
We can disclose information to third parties about your account or the transfers you make:
(1) Where it is necessary for completing transfers; or
(2) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
(3) In order to comply with government agency or court orders; or
(4) As explained in our separate privacy disclosures (applicable to consumer accounts).

Right to Stop Payment and Procedure for Doing So
A Bill Pay Service payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date. A change or payment cancellation can be done through the Bill Pay Service. Electronic (ACH) Bill Payment Service payments must be cancelled prior to the cutoff time on the scheduled processing date.

For Bill Pay Service payments sent by check, a stop-payment order must be received in time to allow us a reasonable opportunity to act on it. If we give notice at the time an oral stop-payment order is received that written confirmation is required and provide an address where the written confirmation can be sent, an oral stop-payment order is effective for fourteen (14) calendar days only, unless confirmed in writing within the fourteen (14)-day period. Properly signed written stop payment orders are effective for six (6) months after date received and will automatically expire after that period unless renewed in writing. We will charge you a fee for each stop-payment order you give, please refer to our Schedule of Fees for details.

Liability
We will not be liable for any incomplete or late payments due to any of the following circumstances:
a) You do not obtain a confirmation number;
b) You do not adhere to the obligations set forth in this Agreement;
c) You schedule a payment for less than the number of business days required by the payee before the due date for that particular payee;
d) There are insufficient funds available on the date for which you request that a payment be made;
e) You have closed the designated account;
f) We have limited your access to Digital Banking or the Bill Pay Service in accordance with our Limitation of Services policy;
g) You have not provided us with correct payee information, or the payee information you provided is out of date;
h) You have requested that a payment be made to a payee outside of the United States and its territories;
i) The payment is mishandled or delayed by the payee through no fault of us;
j) The Bill Pay Service is not working properly and you have been advised about the malfunction before you execute or schedule a payment; or
k) Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.
We shall not be liable for any finance charges, penalties or late fees incurred by you as a result of any of the above circumstances.

If we cause an incorrect amount of funds to be removed from your account or cause funds from your account to be directed to a payee which does not comply with your payment instructions, we shall be responsible for returning the improperly transferred funds to your account, and for directing to the proper payee any previously misdirected payments or funds, and, if applicable, for any late payment related charges.

Documentation
You will get a monthly account statement from us for your share accounts, unless there are no electronic transfers in a particular month, in which case you will get a statement at least quarterly.


The following sections apply only to Consumer Accounts:

Your Liability for Unauthorized Transfers
Tell us AT ONCE if you believe your password has been lost or stolen, or if you believe that a Bill Pay Service transaction has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account(s) (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone uses your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 (sixty) days after the statement was mailed to you or was provided electronically if you consented to receiving the statement that way, you may not get back any money you lost after the 60 (sixty) days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

How to Notify us in the Event of an Unauthorized Transaction
If you believe your password has been lost or stolen, you should change the password by calling Member Services during regular business hours at 888.436.1847. If someone has transferred or may have transferred money from your account without your permission, call 888.436.1847 during regular business hours, email us at memberservices@lighthousecu.org, or write:
Lighthouse Federal Credit Union
PO Box 1985, Dover, NH 03821

In Case of Errors or Questions About Your Electronic Transfers
If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, call 888.436.1847, email memberservices@lighthousecu.org, or write as soon as you can to:
Lighthouse Federal Credit Union, PO Box 1985, Dover, NH 03821
We must hear from you no later than sixty (60) days after we sent you, or provided electronically to you if you consented to receive that way, the FIRST statement on which the problem or error appeared:
(1) Tell us your name and account number.
(2) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require you also send us your complaint or question in writing within ten (10) business days.
We will determine if an error occurred and tell you the results of our investigation within ten (10) business days (twenty (20) business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days (twenty (20) business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. Your account is considered a new account for the first thirty (30) days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

In Case of Errors or Questions Relating to Your Credit Card Accounts
If you believe there is an error or if you have a question relating to your credit card account, you should follow the procedures set forth on the back of your credit card statement.