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COUNTY BANK
BILL PAYING AGREEMENT/DISCLOSURE
The following information represents the "Bill Payment Agreement and Disclosure
Statement" between you and County Bank. Please read this entire
document prior to using this service and retain a copy for your records.
You may use County Bank's Bill Pay Service, to direct County 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 (the Account Rules).
"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including County Bank, you designate and County Bank accepts as a payee.
By using the Services, you agree to abide by the terms and conditions of this agreement
and acknowledge your receipt and understanding of the disclosures contained in this
agreement. This agreement is in addition to other agreements between you and us,
including the applicable deposit account disclosure agreement(s) and terms and conditions,
and our rules and regulations. If there is a conflict between the terms and conditions of this
agreement and the terms and conditions of any other agreements between you and us, this
agreement will control.
When you use our Services, you agree to the terms and conditions we have set forth in this
agreement and any instructional material, which we provide you regarding the Services.
Your use of the Services may be made by use of certain numbers, codes, marks, signs,
public keys or other means of establishing your identity and acceptance of the electronic
communications, which are acceptable to County Bank. All electronic communications that meet these requirements will be deemed to be valid and authentic and you intend and agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid
and you will not contest the validity of the originals or copies, absent proof of altered data
or tampering.
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, SUBMIT YOUR REQUEST IN WRITING, 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. County Bank reserves the right to refuse the designation of a Payee for any reason.
Each Payee accepted by County Bank 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.
County Bank 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.
ACCESSING THE SERVICE
When you complete your bill paying enrollment form, you will select a USER I.D. and
Personal Identification Number (PIN). County Bank will make every effort to
accomodate 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
County Bank 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 County Bank, which is currently 3:00 p.m. CST.
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. KCSB reserves its right to change
the cut-off time by giving you notice if it changes.
FOR RECURRING PAYMENT REQUEST, IF YOU DESIGNATE A PROCESSING DATE OF THE
28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST
BUSINESS 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 5-7 Business days, PRIOR TO THE DUE DATE, for each bill
payment (Recurring or variable) to reach the payee.
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 County Bank. County Bank 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 County 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 County Bank, at its option, may charge any of your accounts with County Bank 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 County Bank 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. County Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. County Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify County Bank after you learn that you have not received credit from a Payee for a Bill Payment.
County Bank 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 County Bank's agent. In any event, County Bank 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 County Bank has knowledge of the possibility of them. County Bank 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 County Bank's reasonable control.
Amendment and Termination
County Bank has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on County Bank's records, by posting notice in branches of County Bank, or as otherwise permitted by law.
You agree to provide and update your e-mail address to County Bank for communication
purposes. County Bank may rely solely on e-mail for notifications, etc. You agree that we may send you or make available to you, notices, disclosures and other information electronically, including (but not limited to) notices, disclosures and other information required under the Electronic Funds Transfer Act and Regulation E of the Federal Reserve Board. We may send this information to you by posting it on our web site or by e-mail. This information is not confidential and is sent by regular unsecured e-mail. We may also send it to you by regular postal mail in writing, at the address shown in our records. If you have given us an e-mail address or postal address, we are entitled to rely on that address and assume that messages sent to the address are received by you, until you give us notice in writing that the address is no longer valid. You agree that information we post to our web site or send by e-mail or regular postal mail will be deemed delivered at the time it is posted or sent. Information you send to us is deemed delivered when we receive and review it. If we send you a notice, disclosure or other message electronically and you wish to download or print it and are unable to do so, contact us at 641-622-2525, 1-877-611-2525, or by mail to: County Bank, PO Box 207, Sigourney, IA 52591.
County Bank has the right to terminate this Agreement at any time. You may terminate this
Agreement by written notice to County Bank. County Bank is not responsible for any fixed payment made before County Bank has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by County Bank on your behalf.
Fees
There is no fee for the Bill Payment Service as long as you agree to receive your bank
statement by e-mail once this becomes available. If you choose not to receive your
monthly statements by e-mail, the fee will be $7.00 per month plus applicable Iowa State
sales tax, for an unlimited number of monthly payments. You authorize us to automatically
deduct all applicable charges and fees from your primary checking account you have with
us.
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
Insufficient Funds.................................................................................................$25.00
County Bank 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.
CONTACT INFORMATION
For any questions regarding County Bank Bill Payment Services, please contact:
County Bank Bill Payment Customer Service Center
1-866-716-5031 (Toll-free)
Hours Available: Monday-Friday, 6:30 a.m. - 10 p.m. CST