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METROPOLITAN SERVICES CREDIT UNION
BILL PAYER AGREEMENT & DISCLOSURE
BILL PAYING AGREEMENT/DISCLOSURE
This is your bill paying agreement with Metropolitan Services Credit Union (hereafter
referred to as MSCU). You may use MSCU's bill paying service, BILL PAYER, to direct MSCU
to make payments from your designated checking (account) to the Merchants 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 signs the bill paying enrollment form or is
otherwise authorized to use the Service. "Merchant" means anyone you designate,
including MSCU, and that MSCU accepts as a payee.
HOW TO SET UP MERCHANTS/PAYMENTS
Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW MERCHANT, SUBMIT
YOUR REQUEST IN WRITING, USE "ADD MERCHANT" BUTTON ON THE INTERNET OR SPEAK
TO A SERVICE REPRESENTATIVE. You may add a new fixed payment to a Merchant, only if
the Merchant 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. MSCU reserves the right to refuse the designation of a
Merchant for any reason. Each Merchant accepted by MSCU will be assigned a merchant
code.
MSCU is not responsible if a Bill Payment can not be made due to incomplete, incorrect, or
outdated information provided by you regarding a Merchant or if you attempt to pay a
Merchant that is not on your Authorized Payee list.
ACCESSING THE SERVICE
When you complete your bill paying enrollment form, you will select a USER I.D. and
Personal Identification Number (PIN). MSCU will make every effort to accommodate your
request. Each time you access the Service, you will be asked to enter your USER ID AND
PIN. Correct responses will give you access to the Service.
THE BILL PAYING PROCESS
MSCU 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 MSCU, which is currently 4:00 p.m. EST.
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. MSCU reserves their rights to
change the cut-off time by giving you notice of such changes.
FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE
28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST
CALENDAR DAY OF THE MONTH. 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 SEVEN (7) BUSINESS DAYS, PRIOR TO THE DUE DATE, FOR
EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. 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 4 STATES 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 MSCU. MSCU 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 MSCU 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 MSCU, at its option, may charge any of your accounts with
MSCU 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 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 MSCU 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. MSCU is not responsible for a Bill Payment
that is not made if you did not properly follow the instructions for making a Bill Payment.
MSCU is not liable for any failure to make a Bill Payment if you fail to promptly notify us
after you learn that you have not received credit from a Merchant for a Bill Payment. MSCU
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 MSCU's agent. In any event, MSCU 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 MSCU has knowledge of the possibility of them. MSCU 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 our reasonable control.
AMENDMENT AND TERMINATION
MSCU has the right to change this Agreement at any time by notice mailed to you at the last
address shown for your account on our records, or as otherwise permitted by law.
MSCU has the right to terminate this Agreement at any time. You may terminate this
Agreement by written notice to Metropolitan Services Credit Union, 2400 Childs Road, St.
Paul, Minnesota 55106. MSCU is not responsible for any fixed payment made before we
have a reasonable opportunity to act on your termination notice. You remain obligated for
any payments made by MSCU on your behalf.
FEES
The fee for the Bill Paying Service is as follows:
* $5.95 per month - unlimited number of monthly payments
* $3.00 per month - limited to 5 bills (50 cents thereafter)
* FREE - with a $5,000.00 minimum balance
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 our error.
Written Correspondence to Merchant...$15.00
Per proof of Payment not necessitated by a dispute...$15.00
Payments returned due to customer error...$10.00
MSCU 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 included, or, received when you opened your account,
which discloses important information concerning your rights and obligations.
