Important
Account Disclosure Information
You must read the following
important disclosure statement and be a BFFCU member before
applying for Internet Bill Payer services.
BUCKS FIRST F.C.U. ELECTRONIC BILL PAYMENT SERVICES
CONSUMER AGREEMENT AND INITIAL DISCLOSURES
This is your bill paying agreement with Bucks First Federal Credit Union
You may use Bucks First Federal Credit Union’s bill paying service, “Internet Bill Payer”, to
direct Bucks First Federal Credit Union 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 Credit Union, you designate and the Credit Union accepts as a "Payee".
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HOW TO SET UP PAYEES/PAYMENTS
* If you want to add a new "PAYEE", select the "Payee" tab located in your Bill Pay application or speak to a service representative.
* You may add a new fixed 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.
* The Credit Union reserves the right to refuse the designation of a "Payee" for any reason.
* You may pay any "Payee" with-in the United States (including U.S. territories and APO’s / AEO’s).
* The Credit Union is not responsible for payments that can not be made due to incomplete, incorrect, or outdated information.
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THE BILL PAYING PROCESS
Single Payments - a single payment will be processed on the business day (generally Monday
through Friday, except credit union and federal reserve 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 Credit Union, is
currently 2:00 PM Eastern. Payments may range in amounts up to Ten Thousand Dollars
($10,000.00).
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 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 federal reserve holidays), it
is adjusted based upon the following rules:
* If the recurring payment‘s "Pay Before" 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 After" option is selected, 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.
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SINGLE AND RECURRING PAYMENTS
The system will calculate the Estimated Arrival Date of your payment, this is only an
estimate, please allow ample time for you payments to reach your "Payees".
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CANCELLING A PAYMENT
A bill payment can be changed or cancelled, anytime prior to the cutoff time on
the scheduled process date.
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AVAILABLE FUNDS
You agree to have available and collected funds on deposit in the account you designate
in amounts sufficient to pay for all requested bill payments, as well as any other
payment obligations you have to the Credit Union.
* The Credit Union reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement.
* If you do not have sufficient funds in the account and the Credit Union 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 Credit Union, at its option, may charge any of your accounts with the Credit Union to cover such payment obligations.
The Credit Union reserves the right to change the cut-off time. You will receive
notice if it changes.
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LIABILITY
* You are solely responsible for controlling the safekeeping of and access to, your Personal Identification Number (PIN).
* If you want to terminate another person's authority, you must notify the Credit Union 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 Credit Union 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 Credit Union is not liable for any failure to make a bill payment if you fail to promptly notify the Credit Union after you learn that you have not received credit from a "Payee" for a bill payment.
* The Credit Union 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 Credit Union's agent.
* In any event, the Credit Union 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 Credit Union has knowledge of the possibility of them.
* The Credit Union 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 Credit Union's reasonable control.
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AMENDMENT TERMINATION
The Credit Union 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 Credit Union's records, by posting
notice in branches of the Credit Union, or as otherwise permitted by law.
* The Credit Union has the right to terminate this agreement at any time.
* You may terminate this agreement by written notice to the Credit Union.
* The Credit Union is not responsible for any fixed payment made before the Credit Union has a reasonable opportunity to act on your termination notice.
* You remain obligated for any payments made by the Credit Union on your behalf.
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SERVICE FEES
There is no monthly charge for this service. There is a $5.00 monthly inactivity fee
after 30 days of non-use. Other fees include a $30.00 insufficient funds fee if there
are not enough funds available to cover the requested bill payment. There is a $15.00
stop payment fee if you wish to stop a bill payment request and there is a $5.00 charge
for a copy of a cleared bill payment check. The total amount of your monthly fees will
be deducted from your checking account on approximately the fifth business day of each
month for the previous month’s charges. Changes may be made from time to time and we
will give you prior notice either in writing or electronically.
Miscellaneous Product Fees:
* Overnight Fee: $14.95
* 2nd Day Fee: $9.95 Standard or $4.95 Economy
* Charitable Donations: $1.99
* Gift Pay: $2.99
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CONTACT IN EVENT OF UNAUTHORIZED TRANSFER
If you believe your User ID and Password has been lost or stolen, or that someone to whom
you have granted authority to use your User ID and Password has exceeded such authority,
or that someone has transferred or may transfer money from your Account(s) without your
permission, call us immediately at:
(215) 788-5270 or (800) 450-5656 (nationwide)
or write:
Bucks First FCU
2104 Bath Road
Bristol, PA 19007
or email:
ms@bucksfirstfcu.org
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WAIVERS
No delay or omission by us in exercising any rights or remedies hereunder shall impair such
right or remedy or be construed as a waiver of any such right or remedy. Any single or
partial exercise of a right or remedy by us shall not preclude us from further exercise
or the exercise of any other right or remedy. No waiver shall be valid unless in writing
and signed by us.
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GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of
Commonwealth of Pennsylvania without regard to that state's conflict of law provisions.
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ARBITRATION
IF A DISPUTE ARISES OUT OF OR RELATES TO THIS AGREEMENT AND IF SAID DISPUTE CANNOT BE
SETTLED THROUGH DISCUSSIONS, YOU AGREE THAT ANY CONTROVERSY OR CLAIM ARISING OUT OF OR
RELATING TO THIS AGREEMENT, OR INVOLVING THE CONSTRUCTION OR APPLICATION OF ANY OF THE
TERMS, COVENANTS OR CONDITIONS OF THIS AGREEMENT, BE SETTLED BY ARBITRATION TO BE HELD IN
THE METROPOLITAN AREA OF HARRISBURG, PENNSYLVANIA IN ACCORDANCE WITH THE RULES OF THE
AMERICAN ARBITRATION ASSOCIATION, AND JUDGMENT UPON THE AWARD RENDERED BY THE
ARBITRATOR(S) SHALL BE BINDING UPON YOU AND MAY BE ENTERED IN ANY COURT HAVING
JURISDICTION THEREOF.
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AMENDMENTS
We may amend or change any of the terms and conditions of this Agreement at any time upon
reasonable electronic notice to you. If you do not agree to the change or amendment, you
may notify us prior to the effective date of the change or amendment and cancel your
access to the Service. Your continued use of the Service after the effective date of
change will be deemed acceptance of the change or amendment.
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SEVERABILITY
If any provision of this Agreement is determined to be void or invalid, the remainder of this
Agreement shall remain in full force and effect
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