This is your bill pay agreement with First Coast Federal Credit Union.

You may use First Coast Federal Credit Union's bill paying service, “Bill Pay” to make payments from your designated checking account to the" Payees" or 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.

SERVICE FEES

Any returned items through our bill pay service are subject to a $30.00 NSF fee. All Stop payments are subject to a $25.00 per item fee.

ACCESSING THE SERVICE

This service can be accessed from your main member screen after logging into your account. Each time you log into your user account, you will be required to enter your user name and password. 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 the service.

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.

First Coast Federal Credit Union 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/AEO's). First Coast Federal Credit Union is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

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 processing 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 First Coast Federal Credit Union is currently 2:00 PM. All stop payments or deletions, must be entered prior to 11:30 AM on the day payment is to be processed.

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 payments processing date, the payment will be processed on the first business day following the designated processing 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 processing date is calculated for the next occurrence of the payment. If the calculated processing 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 processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.

* If the recurring payment’s "PAY AFTER" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing 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 processing date, and then the last calendar day of that month is used as the calculated processing date.


SINGLE AND RECURRING PAYMENTS

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your "Payees."

CANCELLING A PAYMENT

A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date. The scheduled time for a cancellation is 11:30 AM (EST).

AVAILABLE FUNDS

The cutoff time for First Coast Federal Credit Union bill pay is 2:00 PM (EST) Payment is determined on the balance in the account at the time the item is processed. All accounts are subject to holds and outstanding debit card authorizations.

LIABILITY

You are solely responsible for controlling the safekeeping of and access to your personal Identification number or member access ID and password.

If you want to terminate another person's authority to use the Bill Pay service, you must notify First Coast Federal Credit Union first and arrange to change your access ID, and or password.

You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.

First Coast Federal 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.

First Coast Federal Credit Union is not liable for any failure to make a bill payment if you fail to promptly notify the First Coast Federal Credit Union after you learn that you have not received credit from a “Payee” for a bill payment.

First Coast Federal Credit Union is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications for facility, and no such party shall be deemed to be the Financial Institution’s agent.

AMENDMENT

First Coast Federal 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 First Coast Federal Credit Union’s records, by posting notices in the lobby of First Coast Federal Credit Union or as otherwise permitted by law.

TERMINATION

First Coast Federal Credit Union has the right to terminate this agreement at any time. You may terminate this agreement by written notice to First Coast Federal Credit Union. First Coast Federal Credit Union is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by First Coast Federal Credit Union on your behalf.