Saints Margaret & Gregory F.C.U.
Service: Bill Pay: The Terms, Conditions and Disclosures
Please visit our Website: www.stmargaretandgregory.org and click on the link: Frequently Asked Questions, regarding Bill Pay.
This is your Bill Paying agreement with Saints Margaret & Gregory Federal Credit Union. Use of the Bill Pay Services indicates acceptance of the Terms and Conditions set forth in this Bill Pay Terms, Conditions and Disclosure Agreement (“Agreement”) as this may be amended from time to time. By using the Bill Pay Services, you agree to accept the Agreement in that amended form. Please read the Agreement carefully because it is our legal Agreement with you which governs your use of our Bill Pay Services.
You may use Saints Margaret and Gregory F.C.U.’s Bill Pay services to be able to make payments from your checking account to the “Payees” you choose in accordance with this agreement. All payments you make will be deducted from your Checking Account that you designate as your Bill Payment account. Any payments you wish to make through the service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict from time to time the types of payees to whom payments may be made using this service. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect governing your account.
“Bill Pay Services” and/or “Service” mean the Bill Pay Services Saints Margaret and Gregory Federal Credit Union makes available over the Internet with Profit Star’s- I Pay Company and are also the Services described in this Agreement. “You” or “Your” means each person who is authorized to use the Service. “Credit Union,” “we”, “our,” or “us” means Saints Margaret & Gregory Federal Credit Union. “Account” means the checking account you designate to process Bill Pay transactions under this Agreement. “Payee” means anyone, including the Credit Union, you designate and the Credit Union accepts as a “Payee” and to whom you wish a payment to be directed. “Payments” means your remittance to a Payee.
Requirements:
In order to use the Bill Pay Service, you must be a member in good standing with the Credit Union and have a Draft (Checking) account with the Credit Union. You must also sign an agreement for the use to join and use Home-Banking in relationship to wanting to use Bill Pay Services through the Credit Union. You authorize the Credit Union to utilize a processor of our choice to provide this Service to you on behalf of the Credit Union.
Accessing the Service:
All Members will have to apply to have the Bill Pay Service added to their Home Banking Account or will need to apply to both Home Banking and Bill Pay. The Credit Union and/or its Processor will review all applications and set up all approved Members for the Services. Once approved, the Bill Pay Service will be available when you log onto Home Banking. The access of Home Banking for the use of Bill Pay is located on our website (www.stmargaretandgregory.org) with a link on the main page for both Home Banking and Bill-Pay, along with a link for “Frequently Asked Questions”.
Business Days/Hours of Operation-Bill Pay
The Bill Pay Customer Service is available at 7:00 A.M. EST until 2:00 A.M. daily - (866) 326-9830. The system may be temporarily unavailable in the event of emergency or maintenance.
**Call Sts. Margaret and Gregory F.C.U. immediately if you believe an unauthorized person has obtained access to your PIN/Password or someone may transfer money out of your account without your permission.
Phone Numbers: Customer Support: (866)326-9830
Credit Union: (216) 691-0242
Email: smgfcu_sl@outlook.com
smgfcu@ameritech.net
Credit Union Hours:
Tues. – Thurs.: 10 A.M. – 5 P.M.
Friday: 10 A.M. – 6 P.M.
Saturday: 9:30 A.M. – 3 P.M.
Phone: (216) 691-0242
Fax: (216) 691-0435
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 the Credit Union and arrange to change your Home Banking or Bill Pay log on password.
•You cannot stop a bill payment that has already been sent. It will be your responsibility to collect any over payment of funds you have made to a Payee.
•You will be responsible for any bill payment that is not made if you did not properly follow the instructions from making a bill payment.
•The Credit Union is not responsible for any failure to make a bill payment if you fail to promptly notify the Credit Union after you learn that you have not received credit from a “payee” for a bill payment.
•You are responsible for any Payments you create from your Account. It is your responsibility to confirm if a Payee has received a bill payment.
•The Credit Union 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 the Credit Union’s agent.
•You agree that you will not give your password or make it available to another person. If you believe your password has been lost or stolen, or that someone has made payments using your password without permission, notify the Credit Union IMMEDIATELY by phone at (216) 691-0242.
•The Credit Union will not be liable under any legal or equitable theory including contract, tort, or otherwise to you or any other persons for any indirect, special, incidental, consequential or punitive losses, damages or expenses of any character including, but not limited to, damages for loss of goodwill, loss of use, data, or profits, work stoppage, computer failure or malfunction, or any other commercial damages or losses in connection with this Agreement or the preferred Services, even if the Credit Union has knowledge of the possibility of them.
•The Credit Union will not be responsible for any malfunction or missed bill payments (including any finance charges and late fees) due to a court order or legal process preventing us from making a transfer or bill payment. The Credit Union cannot be liable for problems due to failure of an Internet Service Provider, equipment malfunction, phone lines, computer systems not working properly, errors on your part drafting a bill payment or errors in designating addresses, amounts or Account numbers, or your failure to maintain sufficient funds in your designated Draft (Checking) Account.
•The Credit Union is not responsible for any computer virus you may encounter.
OUR SERVICES ARE PROVIDED WITHOUT WARRANTY OF ANY KIND OF AN “AS IS” BASIS. YOU ASSUME ANY RISK IN USING THE SERVICES. NO GUARANTEES OR WARRANTIES OR REPRESENTATIONS ARE MADE REGARDING CORRECTNESS, ACCURACY, OR RELIABILITY CONCERNING YOUR USE OF THE SERVICE. WE MAKE NO WARRANTY EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANT-ABILITY AND FITNESS FOR PARTICULAR PURPOSE AS TO SERVICES UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.
-It will be within the sole discretion of Sts. Margaret and Gregory F.C.U. to correct any errors or to omit any portion of the Services, products, or materials contained herein. You agree to be bound by and comply with applicable State and Federal Laws and regulations.
NO LIABILITY FOR SITES LINKED TO THIS SITE
Unless we indicate to the contrary, any hyperlinks provided by other sites to our web page are not controlled by us. Any use of hyperlinks from this site to sites not controlled by us is done at your own risk. All content, products, opinions expressed or services offered, provided by those pages are the responsibility of their authors and are not endorsed, verified, or authorized by us. We make no representations or warranties concerning these sites or their services. Descriptions of our links or references to our website do not imply our endorsement of any products, services, or other information.
Bill Pay Service Fees:
There will be no monthly service charge by the Credit Union if at least 5 transactions are performed monthly. If less than 5 transactions are requested in a month there will be a $4.50 service charge. The Credit Union reserves the option, in its business judgment, to waive, reduce or reverse charges or fees in individual situations. There are, however, charges for Member requested services and other items. These charges will be assessed if you request one or more of the services listed herein. There will NO CHARGE for any item if needed to correct a Credit Union error.
Fees issued by Profit Stars*:
Written Correspondence to Payee: $10.00
Per Proof of Payment not necessitated by a dispute: $10.00
Payments returned due to member error: $5.00
Reinstatement Fee: $50.00
Cancellation Fee: $7.50
Nonsufficient Funds Fee $28.00
Stop Payment Fee**: $28.00
ACH Return Fee: $25.00
Express Mail Correspondence: $15.00
Overdraft Fee: $10.00
Overnight Fee: $14.95
2nd Day Fee: $9.95
Charitable Donations: $1.99
Gift Pay: $2.99
*The list of fees are issued and collected by Profit Stars with all rights reserved, the acceptance of the use of Bill Pay is to agree to these terms which are made by Profit Stars that the Credit Union must adhere to.
**Stop payments can only be placed on checks, and not on ACH transactions.
You have the right to inquire about a payment made from your Account at anytime; however, you may be charged a fee of $15.00 per hour if the inquiry requires research by the Credit Union. Before you make a request for inquiry, check the online statements, history and payee/merchants on your Account first to confirm if the Payment was sent. Also, make every possible attempt to contact the Payee or merchant to verify if they received payment. To make an official request for inquiry to the Credit Union, contact us at Saints Margaret and Gregory Federal Credit Union, 1499 Dean Drive, South Euclid, OH 44121 or call us at (216) 691-0242.
Any fees associated with the Services and any other fees you may incur through your Internet service provider or Telephone Company through the use of our Services are your responsibility. It is your responsibility to record all transactions conducted using our Services. We will not mail printed receipts for transactions conducted through the Services.
Instructions for Setting up Payees & Payments:
Payees: If you want to add a new “Payee”, first select the “Payee” tab located in the Bill Pay or speak to a service representative. The Credit Union reserves the right to refuse the designation of a “Payee” for any reason.
Payments: You may add a new payment to a “Payee” by accessing the service and entering the appropriate information. Most other additions, deletions, or changed can be made in writing or by using the service.
•You may pay any “Payee” within the United States (including U.S. territories and APO’s/AEO’s)
•The Credit Union is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.
•There is a maximum transaction amount that is $5,000.00 per transaction.
The Bill Pay 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 payments processing date. Provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, is currently 3 P.M.
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 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 the particular day of the month for processing and that day does not exist in the month of the calculated processing date, 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 “Payee”.
Any payments made with the Bill Pay Service require sufficient time for your Payee to credit your account with them properly. To avoid incurring a finance charge or other charges, you must schedule a payment sufficiently in advance of the due date of your payment. If you fail to schedule your payment with adequate advance notice prior to the due date, the Credit Union will not be responsible for any late fees and/or finance charges assessed by the Payee against you. Sts. Margaret and Gregory F.C.U. will not be liable if any third party, through whom any payment is made, fails to properly transmit the payment to the intended Payee.
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 Pay payments requested, as well as any other payment obligations you have to the Credit Union. The Credit Union reserves the right, without liability, to reject or reverse a Bill Pay payment if you fail to comply with the above requirement or any other terms of this Agreement. You further agree that the Credit Union, at our option, may charge any of your Accounts with us to cover such payment obligations. If you do not have sufficient funds in the Account and the Credit Union 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 that the Credit Union, at its option, may charge any of your Accounts with the Credit Union to cover such payment obligations.
Bill Pay Services may not be used of the following payments and, therefore,
Restrictions:
(A)The Bill Pay Service cannot be used to make Payments for the following:
a.Tax payments to the Internal Revenue Service or any state, local or other government agency;
b.Court-ordered payments such as child support or alimony; and Payees located outside of the United States.
(B)Some Payees will not accept checks issued by third parties. The Credit Union is not responsible for any penalties, late fees, finance charges, etc. incurred if a Payee will not accept Payment from the Service.
(C)Each Payee must appear on the Payee list you create with the Credit Union and the Account you are paying must be in your name.
-For each properly instructed payment to an eligible Payee, you will receive a transaction confirmation number. Unless you receive a confirmation number, we shall not be liable for any failure to make a Payment, including any finance charge or late fees incurred as a result, subject to the terms of this Agreement.
Status of Payments:
Payments are either pending or processed. When a Payment has been processed, the amount for that Payment has been withdrawn from your Account. Payments that are pending are those that have not been processed. You may not modify or cancel a Payment that is processed. For questions regarding Payments that are processed, contact the Credit Union at (216) 691-0242 during normal business hours.
Cancelling a Payment:
In case of errors or questions about your transactions, you should, as soon as possible notify us via one of the following:
1.Telephone the Credit Union at (216)691-0242
2.Email us at smgfcu@ameritech.net or at smgfc_sl@outlook.com.
3.Write us at: Saint Margaret and Gregory Federal Credit Union at 1499 Dean Drive, South Euclid Ohio 44121
-If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:
1. Tell the Credit Union your name and Account number,
2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error.
-If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.
-For any reason and at any time we may alter, change, or otherwise create new policies concerning the terms of this Agreement. You will receive notice of changes in the manner that is required by law or under the terms of this Agreement. Unless otherwise provided by law, or unless no change is required you will receive notice of changes within thirty days of the effective date of the change. Your use of Credit Union’s Bill Pay Service following the receipt of such notice constitutes acceptance of such amendment. If you have elected to receive notices and disclosures electronically and to the extent permitted by law, we will supply you with such notices via email or alert you to the availability of such notices on our website.
Termination:
-The Credit Union has the right to terminate this agreement at any time in whole or in part, without prior notification. You may terminate this agreement by written notice to the Credit Union by mailing or dropping it off at the Credit Union’s office at 1499 Dean Drive, South Euclid, OH 44121. If there is a joint account holder on your account who has access to the Service, joint account holders must provide separate written notice.
-The Credit Union 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 the Credit Union on your behalf. You will be responsible for all payments you have requested prior to cancellation and for all other related charges, fees and taxes incurred before you cancel the Services or until the cancellation of the Services has been processed.
Unauthorized Transfers:
-If you tell us within two (2) Business Days after you discover your password or other means to access your Account has been lost or stolen, your liability is no more than $50.00 should someone access your Account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your Account if you had told us, you could be liable for as much as $500.00. If your monthly Credit Union statement contains transfers that you did not authorize, you must tell the Credit Union at once. If you do not tell the Credit Union within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If extenuating circumstances prevented you from telling us we may extend the period.
Assignment:
-You may not assign this Agreement to any other party. Credit Union may, however, assign this Agreement to another bank or Credit Union which results from the consolidation, takeover, acquisition or merger with Credit Union or is related to Credit Union as an affiliate, subsidiary, parent company, or holding company. Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to such third parties as it may elect upon notice to you whereupon Credit Union shall be released from any and all further liability or responsibility related thereto.
Waiver:
-The failure of the Credit Union to require strict adherence to any term of this Agreement will not be deemed a waiver or deprive the Credit Union of the right thereafter to insist upon strict adherence to any term of this Agreement. The illegality or invalidity of any provision of this Agreement shall not affect or invalidate the remainder of the Agreement.
Miscellaneous:
-You agree to be bound by and comply with the requirements of the Credit Union’s Bill Pay Terms and Conditions and any regulations and laws pertaining to the Credit Union’s Online Services, Bill Pay Services or any online applications.
-You agree to be bound by and comply with applicable state and federal laws and regulations. These terms and conditions shall be governed by and constructed with the laws of the State of Ohio.
-This Contract is a complete, final, exclusive and fully integrated Agreement of the Parties. If there is a conflict between what any employee of the Credit Union says and the terms of this Agreement, the terms of this Agreement will prevail. In the event of a dispute regarding the Processing, you and the Processor agree to resolve the dispute by looking to this Agreement.
Software Requirements:
Supported Browsers:
A Supported Browser is defined as a browser/version combination that is eligible for support through the I-Pay Support Center for functionality and design issues encountered with I-Pay’s Bill Pay products. The following browsers currently supported by I-Pay Solutions are:
•Internet Explorer 7 and above
•Firefox 7 and above
•Safari 5 for Windows and Mac
•Google Chrome 16 and above
New version releases of supported brands will be automatically included as long as they are part of a general public release and not an early test release, such as a beta release. These will not be supported.
Recommended Configurations:
Other browsers not on the supported browser list may still have functionality, but I-Pay Solutions does not recommend these and can only provide limited support. If the user insists on using an unsupported browser, the following configurations to the browser are recommended:
• Add the Bill Pay site as a Trusted Site
• Session Cookies (at a minimum) need to be enabled
• Pop-ups need to be allowed from the Internet banking and Bill Pay sites
• Scripting needs to be enabled.
Payment Guarantee:
If under a specific circumstance that the Bill Pay guidelines are followed yet a bill pay is received late by the Payee, the Credit Union will pay up to $50 in charges that the member receives from the late pay.
Equipment Disclosure:
By the requirements of E-Sign and Ohio’s UETA this is a disclosure of the minimum level of equipment necessary for the use for the service of Bill Pay.
Electronic Statement, Disclosure and Notice Authorization:
In Agreement to E-Sign and Ohio’s UETA:
Disclosure:
You have the right or option to have consumer disclosures, notices, and statements provided to you in paper form. You may withdraw your consent for the provision of electronic consumer disclosures, notices, and statements at any time. This consent to receive electronic disclosures applies to all consumer disclosures, notices, and statements provided to you by the Credit Union. If you do withdraw your consent, consumer disclosures, notices, and statements will be provided to you in paper form. To withdraw your consent, to change your email address with the Credit Union, or to request paper copies of electronic consumer disclosures, notices, and statements please email: smgfuc_sl@outlook.com. Please check the Credit Union’s fee schedule by calling the office for any fees associated with receiving these documents, or copies of these documents, in paper form. In order to consent to the electronic delivery and receipt of consumer disclosures, notices, statements and any other documents that would otherwise be provided to you in paper form, you will need the following hardware and software requirements in the paragraphs above.
I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these.
You agree to be bound by and comply with applicable state and federal laws and regulations. These terms and conditions shall be governed by and construed with the laws of the State of Ohio.
This Contract is a complete, final, exclusive and fully integrated Agreement of the Parties. If there is a conflict between what an employee of the Credit Union says and the terms of this Agreement, the terms of this Agreement will prevail. In the event of a dispute regarding the Processing, you and the Processor agree to resolve the dispute by looking to this agreement.
Service: Bill Pay: The Terms, Conditions and Disclosures
Please visit our Website: www.stmargaretandgregory.org and click on the link: Frequently Asked Questions, regarding Bill Pay.
This is your Bill Paying agreement with Saints Margaret & Gregory Federal Credit Union. Use of the Bill Pay Services indicates acceptance of the Terms and Conditions set forth in this Bill Pay Terms, Conditions and Disclosure Agreement (“Agreement”) as this may be amended from time to time. By using the Bill Pay Services, you agree to accept the Agreement in that amended form. Please read the Agreement carefully because it is our legal Agreement with you which governs your use of our Bill Pay Services.
You may use Saints Margaret and Gregory F.C.U.’s Bill Pay services to be able to make payments from your checking account to the “Payees” you choose in accordance with this agreement. All payments you make will be deducted from your Checking Account that you designate as your Bill Payment account. Any payments you wish to make through the service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict from time to time the types of payees to whom payments may be made using this service. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect governing your account.
“Bill Pay Services” and/or “Service” mean the Bill Pay Services Saints Margaret and Gregory Federal Credit Union makes available over the Internet with Profit Star’s- I Pay Company and are also the Services described in this Agreement. “You” or “Your” means each person who is authorized to use the Service. “Credit Union,” “we”, “our,” or “us” means Saints Margaret & Gregory Federal Credit Union. “Account” means the checking account you designate to process Bill Pay transactions under this Agreement. “Payee” means anyone, including the Credit Union, you designate and the Credit Union accepts as a “Payee” and to whom you wish a payment to be directed. “Payments” means your remittance to a Payee.
Requirements:
In order to use the Bill Pay Service, you must be a member in good standing with the Credit Union and have a Draft (Checking) account with the Credit Union. You must also sign an agreement for the use to join and use Home-Banking in relationship to wanting to use Bill Pay Services through the Credit Union. You authorize the Credit Union to utilize a processor of our choice to provide this Service to you on behalf of the Credit Union.
Accessing the Service:
All Members will have to apply to have the Bill Pay Service added to their Home Banking Account or will need to apply to both Home Banking and Bill Pay. The Credit Union and/or its Processor will review all applications and set up all approved Members for the Services. Once approved, the Bill Pay Service will be available when you log onto Home Banking. The access of Home Banking for the use of Bill Pay is located on our website (www.stmargaretandgregory.org) with a link on the main page for both Home Banking and Bill-Pay, along with a link for “Frequently Asked Questions”.
Business Days/Hours of Operation-Bill Pay
The Bill Pay Customer Service is available at 7:00 A.M. EST until 2:00 A.M. daily - (866) 326-9830. The system may be temporarily unavailable in the event of emergency or maintenance.
**Call Sts. Margaret and Gregory F.C.U. immediately if you believe an unauthorized person has obtained access to your PIN/Password or someone may transfer money out of your account without your permission.
Phone Numbers: Customer Support: (866)326-9830
Credit Union: (216) 691-0242
Email: smgfcu_sl@outlook.com
smgfcu@ameritech.net
Credit Union Hours:
Tues. – Thurs.: 10 A.M. – 5 P.M.
Friday: 10 A.M. – 6 P.M.
Saturday: 9:30 A.M. – 3 P.M.
Phone: (216) 691-0242
Fax: (216) 691-0435
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 the Credit Union and arrange to change your Home Banking or Bill Pay log on password.
•You cannot stop a bill payment that has already been sent. It will be your responsibility to collect any over payment of funds you have made to a Payee.
•You will be responsible for any bill payment that is not made if you did not properly follow the instructions from making a bill payment.
•The Credit Union is not responsible for any failure to make a bill payment if you fail to promptly notify the Credit Union after you learn that you have not received credit from a “payee” for a bill payment.
•You are responsible for any Payments you create from your Account. It is your responsibility to confirm if a Payee has received a bill payment.
•The Credit Union 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 the Credit Union’s agent.
•You agree that you will not give your password or make it available to another person. If you believe your password has been lost or stolen, or that someone has made payments using your password without permission, notify the Credit Union IMMEDIATELY by phone at (216) 691-0242.
•The Credit Union will not be liable under any legal or equitable theory including contract, tort, or otherwise to you or any other persons for any indirect, special, incidental, consequential or punitive losses, damages or expenses of any character including, but not limited to, damages for loss of goodwill, loss of use, data, or profits, work stoppage, computer failure or malfunction, or any other commercial damages or losses in connection with this Agreement or the preferred Services, even if the Credit Union has knowledge of the possibility of them.
•The Credit Union will not be responsible for any malfunction or missed bill payments (including any finance charges and late fees) due to a court order or legal process preventing us from making a transfer or bill payment. The Credit Union cannot be liable for problems due to failure of an Internet Service Provider, equipment malfunction, phone lines, computer systems not working properly, errors on your part drafting a bill payment or errors in designating addresses, amounts or Account numbers, or your failure to maintain sufficient funds in your designated Draft (Checking) Account.
•The Credit Union is not responsible for any computer virus you may encounter.
OUR SERVICES ARE PROVIDED WITHOUT WARRANTY OF ANY KIND OF AN “AS IS” BASIS. YOU ASSUME ANY RISK IN USING THE SERVICES. NO GUARANTEES OR WARRANTIES OR REPRESENTATIONS ARE MADE REGARDING CORRECTNESS, ACCURACY, OR RELIABILITY CONCERNING YOUR USE OF THE SERVICE. WE MAKE NO WARRANTY EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANT-ABILITY AND FITNESS FOR PARTICULAR PURPOSE AS TO SERVICES UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.
-It will be within the sole discretion of Sts. Margaret and Gregory F.C.U. to correct any errors or to omit any portion of the Services, products, or materials contained herein. You agree to be bound by and comply with applicable State and Federal Laws and regulations.
NO LIABILITY FOR SITES LINKED TO THIS SITE
Unless we indicate to the contrary, any hyperlinks provided by other sites to our web page are not controlled by us. Any use of hyperlinks from this site to sites not controlled by us is done at your own risk. All content, products, opinions expressed or services offered, provided by those pages are the responsibility of their authors and are not endorsed, verified, or authorized by us. We make no representations or warranties concerning these sites or their services. Descriptions of our links or references to our website do not imply our endorsement of any products, services, or other information.
Bill Pay Service Fees:
There will be no monthly service charge by the Credit Union if at least 5 transactions are performed monthly. If less than 5 transactions are requested in a month there will be a $4.50 service charge. The Credit Union reserves the option, in its business judgment, to waive, reduce or reverse charges or fees in individual situations. There are, however, charges for Member requested services and other items. These charges will be assessed if you request one or more of the services listed herein. There will NO CHARGE for any item if needed to correct a Credit Union error.
Fees issued by Profit Stars*:
Written Correspondence to Payee: $10.00
Per Proof of Payment not necessitated by a dispute: $10.00
Payments returned due to member error: $5.00
Reinstatement Fee: $50.00
Cancellation Fee: $7.50
Nonsufficient Funds Fee $28.00
Stop Payment Fee**: $28.00
ACH Return Fee: $25.00
Express Mail Correspondence: $15.00
Overdraft Fee: $10.00
Overnight Fee: $14.95
2nd Day Fee: $9.95
Charitable Donations: $1.99
Gift Pay: $2.99
*The list of fees are issued and collected by Profit Stars with all rights reserved, the acceptance of the use of Bill Pay is to agree to these terms which are made by Profit Stars that the Credit Union must adhere to.
**Stop payments can only be placed on checks, and not on ACH transactions.
You have the right to inquire about a payment made from your Account at anytime; however, you may be charged a fee of $15.00 per hour if the inquiry requires research by the Credit Union. Before you make a request for inquiry, check the online statements, history and payee/merchants on your Account first to confirm if the Payment was sent. Also, make every possible attempt to contact the Payee or merchant to verify if they received payment. To make an official request for inquiry to the Credit Union, contact us at Saints Margaret and Gregory Federal Credit Union, 1499 Dean Drive, South Euclid, OH 44121 or call us at (216) 691-0242.
Any fees associated with the Services and any other fees you may incur through your Internet service provider or Telephone Company through the use of our Services are your responsibility. It is your responsibility to record all transactions conducted using our Services. We will not mail printed receipts for transactions conducted through the Services.
Instructions for Setting up Payees & Payments:
Payees: If you want to add a new “Payee”, first select the “Payee” tab located in the Bill Pay or speak to a service representative. The Credit Union reserves the right to refuse the designation of a “Payee” for any reason.
Payments: You may add a new payment to a “Payee” by accessing the service and entering the appropriate information. Most other additions, deletions, or changed can be made in writing or by using the service.
•You may pay any “Payee” within the United States (including U.S. territories and APO’s/AEO’s)
•The Credit Union is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.
•There is a maximum transaction amount that is $5,000.00 per transaction.
The Bill Pay 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 payments processing date. Provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, is currently 3 P.M.
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 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 the particular day of the month for processing and that day does not exist in the month of the calculated processing date, 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 “Payee”.
Any payments made with the Bill Pay Service require sufficient time for your Payee to credit your account with them properly. To avoid incurring a finance charge or other charges, you must schedule a payment sufficiently in advance of the due date of your payment. If you fail to schedule your payment with adequate advance notice prior to the due date, the Credit Union will not be responsible for any late fees and/or finance charges assessed by the Payee against you. Sts. Margaret and Gregory F.C.U. will not be liable if any third party, through whom any payment is made, fails to properly transmit the payment to the intended Payee.
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 Pay payments requested, as well as any other payment obligations you have to the Credit Union. The Credit Union reserves the right, without liability, to reject or reverse a Bill Pay payment if you fail to comply with the above requirement or any other terms of this Agreement. You further agree that the Credit Union, at our option, may charge any of your Accounts with us to cover such payment obligations. If you do not have sufficient funds in the Account and the Credit Union 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 that the Credit Union, at its option, may charge any of your Accounts with the Credit Union to cover such payment obligations.
Bill Pay Services may not be used of the following payments and, therefore,
Restrictions:
(A)The Bill Pay Service cannot be used to make Payments for the following:
a.Tax payments to the Internal Revenue Service or any state, local or other government agency;
b.Court-ordered payments such as child support or alimony; and Payees located outside of the United States.
(B)Some Payees will not accept checks issued by third parties. The Credit Union is not responsible for any penalties, late fees, finance charges, etc. incurred if a Payee will not accept Payment from the Service.
(C)Each Payee must appear on the Payee list you create with the Credit Union and the Account you are paying must be in your name.
-For each properly instructed payment to an eligible Payee, you will receive a transaction confirmation number. Unless you receive a confirmation number, we shall not be liable for any failure to make a Payment, including any finance charge or late fees incurred as a result, subject to the terms of this Agreement.
Status of Payments:
Payments are either pending or processed. When a Payment has been processed, the amount for that Payment has been withdrawn from your Account. Payments that are pending are those that have not been processed. You may not modify or cancel a Payment that is processed. For questions regarding Payments that are processed, contact the Credit Union at (216) 691-0242 during normal business hours.
Cancelling a Payment:
In case of errors or questions about your transactions, you should, as soon as possible notify us via one of the following:
1.Telephone the Credit Union at (216)691-0242
2.Email us at smgfcu@ameritech.net or at smgfc_sl@outlook.com.
3.Write us at: Saint Margaret and Gregory Federal Credit Union at 1499 Dean Drive, South Euclid Ohio 44121
-If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:
1. Tell the Credit Union your name and Account number,
2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error.
-If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.
-For any reason and at any time we may alter, change, or otherwise create new policies concerning the terms of this Agreement. You will receive notice of changes in the manner that is required by law or under the terms of this Agreement. Unless otherwise provided by law, or unless no change is required you will receive notice of changes within thirty days of the effective date of the change. Your use of Credit Union’s Bill Pay Service following the receipt of such notice constitutes acceptance of such amendment. If you have elected to receive notices and disclosures electronically and to the extent permitted by law, we will supply you with such notices via email or alert you to the availability of such notices on our website.
Termination:
-The Credit Union has the right to terminate this agreement at any time in whole or in part, without prior notification. You may terminate this agreement by written notice to the Credit Union by mailing or dropping it off at the Credit Union’s office at 1499 Dean Drive, South Euclid, OH 44121. If there is a joint account holder on your account who has access to the Service, joint account holders must provide separate written notice.
-The Credit Union 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 the Credit Union on your behalf. You will be responsible for all payments you have requested prior to cancellation and for all other related charges, fees and taxes incurred before you cancel the Services or until the cancellation of the Services has been processed.
Unauthorized Transfers:
-If you tell us within two (2) Business Days after you discover your password or other means to access your Account has been lost or stolen, your liability is no more than $50.00 should someone access your Account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your Account if you had told us, you could be liable for as much as $500.00. If your monthly Credit Union statement contains transfers that you did not authorize, you must tell the Credit Union at once. If you do not tell the Credit Union within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If extenuating circumstances prevented you from telling us we may extend the period.
Assignment:
-You may not assign this Agreement to any other party. Credit Union may, however, assign this Agreement to another bank or Credit Union which results from the consolidation, takeover, acquisition or merger with Credit Union or is related to Credit Union as an affiliate, subsidiary, parent company, or holding company. Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to such third parties as it may elect upon notice to you whereupon Credit Union shall be released from any and all further liability or responsibility related thereto.
Waiver:
-The failure of the Credit Union to require strict adherence to any term of this Agreement will not be deemed a waiver or deprive the Credit Union of the right thereafter to insist upon strict adherence to any term of this Agreement. The illegality or invalidity of any provision of this Agreement shall not affect or invalidate the remainder of the Agreement.
Miscellaneous:
-You agree to be bound by and comply with the requirements of the Credit Union’s Bill Pay Terms and Conditions and any regulations and laws pertaining to the Credit Union’s Online Services, Bill Pay Services or any online applications.
-You agree to be bound by and comply with applicable state and federal laws and regulations. These terms and conditions shall be governed by and constructed with the laws of the State of Ohio.
-This Contract is a complete, final, exclusive and fully integrated Agreement of the Parties. If there is a conflict between what any employee of the Credit Union says and the terms of this Agreement, the terms of this Agreement will prevail. In the event of a dispute regarding the Processing, you and the Processor agree to resolve the dispute by looking to this Agreement.
Software Requirements:
Supported Browsers:
A Supported Browser is defined as a browser/version combination that is eligible for support through the I-Pay Support Center for functionality and design issues encountered with I-Pay’s Bill Pay products. The following browsers currently supported by I-Pay Solutions are:
•Internet Explorer 7 and above
•Firefox 7 and above
•Safari 5 for Windows and Mac
•Google Chrome 16 and above
New version releases of supported brands will be automatically included as long as they are part of a general public release and not an early test release, such as a beta release. These will not be supported.
Recommended Configurations:
Other browsers not on the supported browser list may still have functionality, but I-Pay Solutions does not recommend these and can only provide limited support. If the user insists on using an unsupported browser, the following configurations to the browser are recommended:
• Add the Bill Pay site as a Trusted Site
• Session Cookies (at a minimum) need to be enabled
• Pop-ups need to be allowed from the Internet banking and Bill Pay sites
• Scripting needs to be enabled.
Payment Guarantee:
If under a specific circumstance that the Bill Pay guidelines are followed yet a bill pay is received late by the Payee, the Credit Union will pay up to $50 in charges that the member receives from the late pay.
Equipment Disclosure:
By the requirements of E-Sign and Ohio’s UETA this is a disclosure of the minimum level of equipment necessary for the use for the service of Bill Pay.
Electronic Statement, Disclosure and Notice Authorization:
In Agreement to E-Sign and Ohio’s UETA:
Disclosure:
You have the right or option to have consumer disclosures, notices, and statements provided to you in paper form. You may withdraw your consent for the provision of electronic consumer disclosures, notices, and statements at any time. This consent to receive electronic disclosures applies to all consumer disclosures, notices, and statements provided to you by the Credit Union. If you do withdraw your consent, consumer disclosures, notices, and statements will be provided to you in paper form. To withdraw your consent, to change your email address with the Credit Union, or to request paper copies of electronic consumer disclosures, notices, and statements please email: smgfuc_sl@outlook.com. Please check the Credit Union’s fee schedule by calling the office for any fees associated with receiving these documents, or copies of these documents, in paper form. In order to consent to the electronic delivery and receipt of consumer disclosures, notices, statements and any other documents that would otherwise be provided to you in paper form, you will need the following hardware and software requirements in the paragraphs above.
I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these.
You agree to be bound by and comply with applicable state and federal laws and regulations. These terms and conditions shall be governed by and construed with the laws of the State of Ohio.
This Contract is a complete, final, exclusive and fully integrated Agreement of the Parties. If there is a conflict between what an employee of the Credit Union says and the terms of this Agreement, the terms of this Agreement will prevail. In the event of a dispute regarding the Processing, you and the Processor agree to resolve the dispute by looking to this agreement.