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Benefits Of Business Bill Pay

Sign up for Business 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.
Company information






Primary account holder




Account information

Security information
User ID must contain at least one letter and one number, and may contain special characters: $#@!*&%()^?.=/,-_+.
Minimum 6 characters.  Maximum 20 characters.


PIN must contain at least one letter and one number, and may contain special characters: $#@!*&%()^?.=/,-_+.
Minimum 6 characters.   Maximum 20 characters.




Terms and conditions
BUSINESS BILL PAYING AGREEMENT/DISCLOSURE

The first 10 transaction are FREE. Additional items will be charged a fee of $.50 each. Each
Payroll transaction will be charged $.50 per item.

This is your bill paying agreement with State Bank of Waterloo ("SBW"). You may use
SBW'S bill paying service, Business BillPay, to direct SBW 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 (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 paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE "SET UP
ACCOUNTS/PAYEE" ON THE INTERNET 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, 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 send payments to your son/daughter in college, 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.

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 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 by the financial institution, is currently 3:00 P.M/ (CST). 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. (For mid west
subscribers, allow 7 days and for west coast subscribers, allow 8 days.) 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 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. The financial institution reserves the right to
change the cut-off time. You will receive notice if it changes.

Payroll Payments
When setting up payroll payments, enter the pay date as the payroll date. Payroll payments
must be entered 2 days prior to the payroll date.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). 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 PIN. 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 that is not made if you did not properly follow the
instructions for making a Bill Payment. 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 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 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.

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. 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 first 10 transaction are FREE. Additional items will be charged a fee of $.50 each. Each
Payroll transaction will be charged $.50 per item.

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:........................................................................$10.00
Per proof of Payment not necessitated by a dispute:...............................................$10.00
Payments returned due to customer error:..............................................................$5.00
Overdraft Fee......................................................................................................$25.00
The Financial Institution reserves the right to charge you for research time involving
5payments 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 included, or, received when you opened your account,
which discloses important information concerning your rights and obligations.

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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888-246-2158
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