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Benefits Of Business Bill Pay

Sign up for Online Bill Pay and streamline the back office functions of your business. Here are some ways that it can work for you:

  • Pay your business bills and view payment activity online anytime
  • Delegate payment tasks and set permission controls for employees
  • Reduce your paperwork and manual record keeping with customized reports
View demo Learn more
Get Started with Business Bill Pay.
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Terms and conditions
BILL PAY AGREEMENT/DISCLOSURE

This is your bill pay agreement with FIRST STATE BANK & TRUST. You may use FIRST
STATE BANK & TRUST’S bill pay service, BILL PAY, to direct FIRST STATE BANK & TRUST 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, Internet Banking Agreement and other documents
in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including the Financial Institution, you designate and the Financial Institution
accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a bill pay enrollment form. IF YOU WANT TO ADD A NEW PAYEE, UNDER
THE “PAYEES” TAB, SELECT “ADD A PAYEE”. COMPLETE THE FOLLOWING STEPS TO
SUCCESSFULLY ADD A PAYEE. 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, deletions, or changes can be made in writing
or by using the Service. The Financial Institution reserves the right to refuse the
designation of a Payee for any reason. Each Payee accepted by the Financial Institution will
be assigned a payee code. You may pay almost any payee you wish. There are several
restrictions: 1) The merchant 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 security companies such as Ameritrade for stock purchases or trade taxing
authorities and 4) Court directed payments are unauthorized (Alimony, child support, or
other legal debts). Don't forget you can use this system to pay your local orthodontist,
credit cards, charitable donations, etc. A merchant is defined as anybody (company or
individual) to whom you want to send money. With the Plus service level you can use this
system to send payments to your son/daughter in college, or to your accounts at other
financial institutions.

The Financial Institution 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 PAY PROCESS

The Financial Institution will process variable payments on the business day (generally
Monday through Friday, except holidays) you designate the bill is to be processed, provided
the payment request is received prior to the cut-off time set by the Financial Institution,
which is currently 3:00 p.m. CDT – Central Time. Variable bill requests received after the
business day cut off time, or at any time on a non-business day will be processed on the
next business day. The Financial Institution reserves its right to change the cut-off time by
giving you notice if it changes.

FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE
28TH THROUGH THE 31ST OF A MONTH AND THIS DATE FALLS IN A SHORT MONTH,
PROCESSING WILL BE INITIATED ON THE FIRST BUSINESS CALENDAR DAY OF THE MONTH
FOLLOWING THAT DATE. Otherwise, recurring payment requests will be processed on the
dates you have designated, unless such date falls on a non-business day resulting in your
payment being processed on the next business day.

YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, FOR
EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE PAYEE. IT IS THE
RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS.
IT IS OUR RECOMMENDATION THAT ADDITIONAL DAYS BE ALLOWED FOR PAYMENTS
TRAVELING MORE THAN APPROXIMATELY 600 MILES AWAY.

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 the Financial Institution. The Financial Institution 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 Account and the Financial Institution 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 the
Financial Institution, at its option, may charge any of your accounts with the Financial
Institution to cover such payment obligations.

Any Bill Payment can be changed or canceled, provided you access the Service prior to the
cut-off time on the business day prior to the business day the Bill Payment is going to be
initiated.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your online
banking Access ID and Password.
· 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 the Financial Institution and arrange to change your
online access information.
· You will be responsible for any Bill Payment request you make that contains an
error or is a duplicate of another Bill Payment.
· The Financial Institution is not responsible for a Bill Payment if you have not
properly followed the instructions for using Bill Pay.
· The Financial Institution is not liable for any failure to make a Bill Payment if you
fail to promptly notify the Financial Institution after you learn that you have not received
credit from a Payee for a Bill Payment.
· The Financial Institution is not responsible for a Bill Payment if, through no fault
of the Bank, you do not have enough money in your account to make the payment.
· The Financial Institution is not responsible for a Bill Payment if the payment
would go over the limit for any loan, credit line, overdraft transfer or automatic transfer
arrangement set up to cover overdrafts.
· The Financial Institution is not responsible for a Bill Payment if any electronic
terminal or telecommunication device malfunctions or is otherwise not working properly
and/or prevents the utilization of the service.
· The Financial Institution is not responsible for a Bill Payment if circumstances
beyond the Bank’s control, such as fire, flood, etc. prevent the payment, despite reasonable
precautions that the Bank has taken.
· The Financial Institution is not responsible for a Bill Payment if a legal order
directs us to prohibit withdrawals from the account.
· The Financial Institution is not responsible for a Bill Payment if your account is
closed, or if it has been frozen.
· The Financial Institution is not responsible for a Bill Payment if you, or anyone
authorized by you, commits any fraud or violates any law or regulation.
· The Financial Institution is not responsible for a Bill Payment if we have
reasonable cause not to honor for our protection or for your protection.
· The Financial Institution is not responsible for your acts or omissions of those of
any other person, including, without limitation, any transmission or communications facility,
and no such party shall be deemed to be the Financial Institution's agent. In any event, the
Financial Institution 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 the
Financial Institution has knowledge of the possibility of them.
· The Financial Institution 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 Financial Institution's reasonable
control.

There may be other exceptions stated in the Bank’s agreement with you.

Amendment and Termination

The Financial Institution has the right to change this Agreement at any time by notice mailed
to you at the last address shown for the Account on the Financial Institution's records, by
posting notice in branches of the Financial Institution, or as otherwise permitted by law.

The Financial Institution has the right to terminate this Agreement at any time. If you have
not accessed the Bill Pay system during any three consecutive months, the Financial
Institution may terminate this Agreement. You may terminate this Agreement by written
notice to the Financial Institution. The Financial Institution is not responsible for any fixed
payment made before the Financial Institution has a reasonable opportunity to act on your
termination notice. You remain obligated for any payments made by the Financial
Institution on your behalf.

Fees

The fee for the Bill Pay Service is based on the product you choose. The table below
outlines the cost of each Bill Pay product offered by FIRST STATE BANK & TRUST.

Products

Business Plus Bill Pay
Monthly Fee - $ 0.00
Number of Months Free – 1
Transaction Limit – 10
Per Item Fee Over Limit - 45¢

You will receive a welcome letter one business day after enrollment to the email address
you designate in the enrollment process. The welcome letter will confirm your product
choice. If you wish to change your product selection, simply call our customer call center at
1-800-463-7782.

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 a Financial Institution error.

Written Correspondence to Payee - $20.00
Per proof of Payment not necessitated by a dispute - $20.00
Payments returned due to customer error - $10.00
Overdraft paid - $25.00
Insufficient Funds - $25.00

Expedited Payment Fees will include:
Overnight Fee: $14.95
2nd Day Fee: $9.95
Reinstate Fee: $50.00

Gift Check: $2.99
Charitable Donations Fee: $1.99

The Financial Institution reserves 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 Electronic Fund Transfers (EFT). Please see the Electronic
Fund Transfers Disclosure Statement received when you opened your account, which
discloses important information concerning your rights and obligations. You may also
request a copy of the Electronic Fund Transfers disclosure by sending us an email request or
by going to our website at www.firststateks.com.

I accept terms and conditions

Please notify me of account updates, benefits, or offers via email.
submit enrollment
Please notify me of account updates, benefits, or offers via email.


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Website created for FIRST STATE BANK & TRUST by iPay Technologies, LLC. Use of this system is limited to authorized users only and may be monitored. Any unauthorized use is prohibited and will be prosecuted. For support, please call
800-869-7841
Member FDIC