Terms & Conditions

Introduction:
Thank you for enrolling in Bridge's Bill Pay! We hope you find this service to be a convenient method for paying your bills.

You may use Bill Pay to direct Bridge Credit Union (us) 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.

You and your means each person who is authorized to use this service. Us means Bridge Credit Union. Payee means anyone, including us, you designate and we accept as a payee.

Current Information:
It is your responsibility to keep current information on file with us. If any of your personal information changes, such as address, name, or email, please notify us immediately in writing.

Service Fees:
There are currently no monthly fees for using Bill Pay. There are no transaction limits to this service. There are additional charges for customer-requested services and other items. These charges will only be assessed if you request one or more of the services listed here. There will be no charge for any item if needed to correct our error.

Written correspondence to a payee: $10
Per proof of payment not necessitated by a dispute: $10
Payments returned due to customer error: $5
Overdraft fee: $33
Expedited payment fees, which include:
Overnight fee: $14.95
2nd day fee: $9.95
Reinstate fee: $50
Gift pay fees: $2.95
Charitable Donation Fees: $1.95

We reserve the right to charge any other pass-thru fees charged by our provider for services you request beyond the basic product, or for any abuses of the service.
We reserve 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 EFT. Please see the EFT disclosure statement on our website. This disclosure provides important information concerning your rights and obligations.

Accessing the Service:

You may access billpay directly from the website provided. To use the service, you must obtain, at your own expense, the necessary hardware and mobile service. Data usage and associated costs are your expense.

Instructions for Setting up Payees & Payments:

Payees: If you want to add a new Payee first select the Payee tab located in the bill pay or speak to a service representative.

We reserve the right to refuse the designation of a Payee for any reason.

Payments: You may add a new payment to a Payee by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.

You may pay any Payee with-in the United States (including U.S. territories and APO / AEO?s).

We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

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 processing 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 us, is currently 2 p.m. EST. We reserve the right to change our cut-off time. You will receive notice if it changes.

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 processing date, the payment will be processed on the first business day following the designated processing 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 processing date is calculated for the next occurrence of the payment. If the calculated processing 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 processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.

If the recurring payment?s Pay After?? option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing 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 processing date, then the last calendar day of that month is used as the calculated processing date.

Single and Recurring Payments
The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your 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 processing 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 with us. We reserve 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 account and we have not exercised our right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

Liability
You are solely responsible for controlling the safekeeping of and access to your service.

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 to use the Bill Pay service, you must notify us and arrange to change your online PIN.

You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.

We are not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.

We are not liable for any failure to make a bill payment if you fail to promptly notify us after you learn that you have not received credit from a Payee for a bill payment.

We are 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 our agent.

In any event, we will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connect with this agreement or the service, even if we have knowledge of the possibility of them. We are 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 our reasonable control. We are not liable for any delay of the US Postal Service for payment made by check. We are not liable for any delay of electronic payments once the payment has been remitted by our bill payment service provider.

We are not responsible for any loss, damage or injury resulting from (i) an interruption in your electrical power or telephone service; (ii) the disconnecting of your telephone or cellular service by your service provider or deficiencies in your line quality ; (iii) any defect or malfunction of your PC, modem, telephone line, cellular device or (iv) any failure of your ISP or the Internet or your cellular service that results in the interruption of your access to the Service.



Joint Accounts
If your account is one with joint ownership, each of you agrees that any account holder has authority to use Bill Pay. Bridge Credit Union is authorized to follow the instructions related to the Service of any such account holder. You both agree to be jointly and severally liable under the terms of this Agreement and the Customer Agreement which governs your Bridge Account and which is incorporated herein by this reference.

Amendment
We have the right to change this agreement at any time by notice mailed to you at the last address shown for the account on our records, by posting notice in branches, on our website, by broadcast message, or as otherwise permitted by law.

Termination
We have the right to terminate this agreement at any time.

You may terminate this agreement by written notice to us.

We are not responsible for any fixed payment made before we have a reasonable opportunity to act on your termination notice.

You remain obligated for any payments made by us on your behalf.