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UNISON BANK BILL PAYING AGREEMENT/DISCLOSURE
UNISON BANK offers customers optional on-line bill payment. Customers may enroll for bill payment, but the bill payment feature may not be activated until we contact you regarding your on-line bill payment enrollment.
You may use UNISON BANK'S bill paying service, Unison ePay, to direct UNISON BANK 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. Bill payments are processed by Electronic Funds Transfers (EFT) against the Unison Bank checking account you have designated and by EFT or paper check to the payee. Please refer to the Electronic Fund Transfers Disclosure Statement you received when you opened your account, which discloses important information concerning your rights and obligations.
ACCESSING SERVICE
• When you enroll for the first time, you will be asked to choose a unique User I.D.
and PIN.
• Each time you access the service, you will be asked to enter your User I.D. and
PIN.
• Three (3) incorrect login attempts will cause the account to be locked out.
HOW TO SET UP PAYEES/PAYMENTS
• If you want to add a new “PAYEE”, select the “Payee” tab located in your Bill Pay
application.
• 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 by using the service.
• UNISON BANK reserves the right to refuse the designation of a “Payee” for any
reason.
• You may pay any “Payee” within the United States (including U.S. territories and
APO’s).
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 UNISON BANK, is currently 3:00 pm CST.
UNISON BANK reserves the right to change the 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 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 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.
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 your payments to reach your “Payees”.
CANCELLING A PAYMENT
A bill payment can be changed or cancelled, anytime prior to the cutoff time (3:00 pm CST)
on the scheduled process 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 to UNISON BANK. When a payment you have scheduled is processed,
funds sufficient to cover the payment are removed from your account with UNISON BANK
for transmittal to the designated Payee.
• UNISON BANK reserves the right, without liability, to reject or reverse a bill
payment if you fail to comply with the above requirement or any other terms of this
agreement.
• If you do not have sufficient funds in the account and UNISON BANK 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 UNISON BANK, at its option, may charge any of your accounts
with UNISON BANK to cover such payment obligations.
CHANGE IN TERMS
We may change any term of this Bill Paying Agreement at any time. If the change would
result in increased fees for any bill pay service, increased liability for you, fewer types of
available electronic fund transfers, or stricter limitations on the frequency or dollar amount
of transfers, we agree to give you notice at least 21 days before the effective date of any
such change, unless an immediate change is necessary to maintain the security of an
account or our electronic fund transfer system. We will post any required notice of the
change in terms on the bank system website or forward it to you by e-mail or by postal
mail. If advance notice of the change is not required, and disclosure does not jeopardize
the security of the account or our electronic fund transfer system, we will notify you of the
change in terms within 30 days after the change becomes effective. Your continued use of
any or all of the subject bill pay services indicates your acceptance of the change in terms.
We reserve the right to waive, reduce or reverse charges or fees in individual situations.
You acknowledge and agree that changes to fees applicable to specific accounts are
governed by the applicable deposit agreements and disclosures.
OUR LIABILITY FOR FAILURE TO MAKE A TRANSFER
If we do not complete a transfer to or from your account, including a bill payment, on time
or in the correct amount, according to our agreement with you when you have properly
instructed us to do so, we will be liable to you for your losses or damages caused as
result. However, there are some exceptions. We will not be liable, for instance:
• If, through no fault of ours, you do not have enough money in your account to
make a transfer or bill payment.
• If a legal order directs us to prohibit withdrawals from the account.
• If your account is closed, or if it has been frozen.
• If the transfer or bill payment would cause your balance to go over the credit
limit of an established line of credit or the credit limit for any credit arrangement set up to
cover overdrafts.
• If you, or anyone authorized by you, commits any fraud or violates any law or
regulation.
• If any electronic terminal, telecommunication device, or any part of the bill pay
system is not working properly and you knew about the problem when you started the
transfer.
• If you have not provided us with complete and correct payment information for
the bill payment service, including, without limitation, the name, address, your payee-
assigned account number, payment date, and payment amount for the payee on a bill
payment.
• If any bill payment request contains an error or is a duplicate of another bill
payment.
• If you have not properly followed the on-screen instructions for using the bill
payment system.
• If circumstances beyond our control (such as fire, flood, interruption in telephone
service or other communication lines) prevent the transfer, despite reasonable precautions
that we have taken.
YOUR LIABILITY
You are solely responsible for controlling the safekeeping of your User I.D. and Personal
Identification Number (PIN). Contact us at once if you believe your password has been lost,
stolen, used without your authorization, or otherwise compromised or if someone has
transferred or may transfer money from your accounts without your permission. An
immediate telephone call to us is the best way to reduce any possible losses. You could
lose all the money in your accounts (plus your maximum overdraft line of credit, if any). If
you contact us within 2 business days after you learn of the loss, theft, compromise, or
unauthorized use of your password, you can lose no more than $50 if someone used your
password without your permission.
If you do not contact us within 2 business days after you learn of the loss, theft,
compromise, or unauthorized use of your password, and we can prove we could have
stopped someone from using your password to access your accounts without your
permission, if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, contact us at once. If
you do not tell us within 60 days after the statement was mailed to you or electronically
delivered, you may not get back any money you lost through transactions made after the
60 day time period if we can prove that we could have stopped someone from taking the
money if you had told us in time. If a good reason (such as a long trip or hospital stay)
kept you from contacting us, we will extend the time periods.
DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY
We make no warranty of any kind, express, or implied, including any implied warranty of
merchantability or fitness for a particular purpose in connection with the bill payment
services provided to you under this agreement. We do not and cannot warrant that the bill
payment system will operate without errors, or that any or all bill payment services will be
available and operational at all times. Except as specifically provided in this agreement, or
otherwise required by law, you agree that our officers, directors, employees, agents or
contractors are not liable for any indirect, incidental, special or consequential damages
under or by reason of any services or products provided under this agreement or by reason
of your use of your access to the bill payment system, including loss of profits, revenue,
data or use by you or any third party, whether in an action in contract or tort or based on a
warranty. Further, in no event shall the liability of the bank and its affiliates exceed the
amounts paid by you for the services provided to you through the bill payment system.
YOUR RIGHT TO TERMINATE
You may cancel your bill payment service at any time by providing us with written notice by
postal mail or fax. Your access to the bill pay system will be suspended within 3 business
days of our receipt of your instructions to cancel the service. You will remain responsible
for all outstanding transfers, payments, fees and charges incurred prior to the date of
cancellation.
OUR RIGHT TO TERMINATE
You agree that we can terminate or limit your access to the bill payment services for any of
the following reasons:
• Without prior notice, if you have insufficient funds in any one of your bank
accounts. The bill payment service may be reinstated, in our sole discretion, once sufficient
funds are available to cover any fees, pending transfers, and debits.
• Upon 3 business days notice, if you do not contact us to designate a new primary
checking account immediately after you close your primary checking account.
• Upon reasonable notice, for any other reason in our sole discretion.
SERVICE FEES
You agree to pay the fees and charges as set forth below for your use of the Bill Pay
Services. You agree that all such fees and charges will be deducted from a UNISON BANK
account. You agree to pay any additional reasonable charges for services you request
which are not covered by this agreement. There will be No Charge to correct an error if
made by UNISON BANK. You are also responsible for telephone and internet service fees
you incur in connection with your use of the Bill Pay Services.
• Unison ePay: No Charge
• Written Correspondence to "Payee": $10.00 per letter to recipient of
Payment
• Per Proof of Payment not Necessitated by a Dispute: $10.00 per standard proof
of payment (i.e. copy of cancelled check) delivered to merchant and not necessitated by
dispute
• Payment Returned due to Customer Error: $5.00 per payment returned
• Payment Cancellation Fee: $7.50 per cancellation of each request for
payment before disbursement
• Payment ACH Return Fee: $10.00 per return of each ACH
• Express Mail correspondence: $15.00 per letter mailed Express Mail
• Overnight Fee: $14.95
• 2nd Day Fee: $9.95
• Charitable Donations: $1.99 for each Charitable Donation payment
• Gift Pay: $2.99 for each Gift Payment