Bill Pay Service – Terms and Conditions
Bank’s Bill Pay service allows you to schedule bill payments through Online Banking. You can schedule, at your discretion, for the payment of your current, future and recurring bills from any of your Accounts that you designate. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of Online Banking Bill Pay service. Payments may be made only to payees with U.S. or U.S. Territory addresses. Payments may not be permitted to government entities, for taxes, or for court ordered payments. We reserve the right to refuse to allow designation of any particular payee or class of payee. You agree to comply with all laws and regulations regarding payments including those issued by the U.S. Office of Foreign Assets Control (OFAC).

By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to those payees/merchants that you provide Bank through Online Banking Bill Pay service. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf from the funds in your selected Account. When Online Banking Bill Pay receives a payment instruction, you authorize it to charge your Account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. Bank will use its best efforts to process all your payments properly and timely.

You understand that payments may take up to five (5) business days to reach the payee if sent by check and up to three (3) business days if sent electronically, subject to system availability. Bill payments made through our Online Banking service require sufficient time for your payee to credit your Account properly. Each payee determines how quickly it can credit your Account. Any payment made through our Online Banking service requires accurate payee addresses and account information for your payee to credit your Account properly. We are not liable for any service fees or late charges incurred by you, if you do not provide timely, complete and accurate information or if you do not properly follow Bank’s instructions. You understand that you are responsible for any loss or penalty incurred due to insufficient funds or other conditions that may prevent the posting of payments from your Account. Requesting payments that can not be completed due to insufficient funds may result in the cancellation of your Bill Pay service.

Bank reserves the right to discontinue, amend or terminate your use of Bill Pay service in whole or part, at any time without prior notice. If your payment Account has insufficient funds to pay the transfers or debits and any applicable Bank fees, Bank reserves the right to deny the execution of any electronic transactions.

If, for any reason, you should wish to cancel Online Banking Bill Pay service, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service with Bank, either by deleting those payment orders yourself using the Online Banking Bill Pay service or by calling Bank’s Customer Service Center at 800-311-3182. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated.

The following Bill Pay fees are effective October 1, 2011.

Personal Bill Pay Fees
Personal Bill Pay - No Monthly Fee
Gift Checks - $2.99
Donation Checks - $1.99
Rush Electronic Payments - $4.95 (2nd business day)
Rush Check Payments - $9.95 (2nd business day)
Rush Check Payments - $14.95 (next business day)

Business Bill Pay Fees
Basic Business Bill Pay - $4.95 plus $0.50 per payment over 10 per month
Business Bill Pay Manager* - $9.95 plus $0.50 per payment over 10 per month
Plus - Payroll Deposits* - $6.95 plus $0.50 per file over 15 per month
Rush Electronic Payments - $4.95 (2nd business day)
Rush Check Payments - $9.95 (2nd business day)
Rush Check Payments - $14.95 (next business day)

*Requires additional agreement. You must have Business Bill Pay Manager in order to utilize the Plus services. Business fees compound based on the services selected