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If you have any questions, please contact a METRO
representative at 847-670-0456 ext. 3 or by email:
TERMS AND CONDITIONS OF THE ONLINE BILL PAYMENT
SERVICE
Fee Schedule
Monthly Subscription Fee: Each member is able to use the
Online Bill Payment System for up to 90 days, fee-free. Once that period
is up, the member's checking account will be charged a $4.50 monthly
subscription fee which will allow you to complete an unlimited number of
online bill payments. This $4.50 monthly fee will be waived
for any month which you maintain an Average Checking Account Balance of
$2,500.00 or more. Once the fee has been posted to
your checking account for that month, no refunds will be given upon
termination of service. The Credit Union has the right to change fees at
any time. Additional fees will not be assessed without notice to you.
Stop Payments:
$15.00 Please contact customer service at 800-877-8021 for more
information. Cancelled Check Copy Fee.
The fee to obtain a copy of Bill Payment cancelled check is $5.00 per
copy.
Not Sufficient Funds Fee (NSF):
You will be charged a Not Sufficient Funds fee of $30.00, if there are
insufficient funds available to pay an electronic debit. (The Bill
Payment you authorized through the Online Bill Payment System). In the event that funds are not
available in your checking account on the date a fee is charged, we
reserve the right to collect the fee from any non-IRA account on which
you are listed as the Owner or Joint Owner. If we are unable to collect
the fees within thirty (30) days, we may terminate your subscription to
METRO's Bill Payment service. SERVICE DEFINITIONS
"Service" means the bill payment service offered by
METRO FEDERAL CREDIT UNION, through CheckFree Services Corporation. "Agreement" means these terms and conditions of the
bill payment service. "Biller" is the person or entity to which you wish a
bill payment to be directed or is the person or entity from which you
receive electronic bills, as the case may be. "Payment Instruction" is the information provided by
you to the Service for a bill payment to be made to the Biller (such as,
but not limited to, Biller name, Biller account number, and Scheduled
Payment Date). "Payment Account" is the checking account from which
bill payments will be debited. "Billing Account" is the checking account from which
all Service fees will be automatically debited.
"Business Day" is every Monday through Friday,
excluding Federal Reserve holidays. "Scheduled Payment Date" is the day you want your
Biller to receive your bill payment and is also the day your Payment
Account will be debited, unless the Scheduled Payment Date falls on a
non-Business Day in which case it will be considered to be the previous
Business Day. "Due Date" is the date reflected on your Biller
statement for which the payment is due; it is not the late date or grace
period. "Scheduled Payment" is a payment that has been
scheduled through the Service but has not begun processing.
PAYMENT SCHEDULING
The earliest possible Scheduled Payment Date for each
Biller (typically four (4) or fewer Business Days from the current date)
will be designated within the application when you are scheduling the
payment. Therefore, the application will not permit you to select a
Scheduled Payment Date less than the earliest possible Scheduled Payment
Date designated for each Biller. When scheduling payments you must
select a Scheduled Payment Date that is no later than the actual Due
Date reflected on your Biller statement unless the Due Date falls on a
non-Business Day. If the actual Due Date falls on a non-Business Day,
you must select a Scheduled Payment Date that is at least one (1)
Business Day before the actual Due Date. Scheduled Payment Dates must be
prior to any late date or grace period. THE SERVICE GUARANTEE
Due to circumstances beyond the control of the
Service, particularly delays in handling and posting payments by Billers
or financial institutions, some transactions may take longer to be
credited to your account. The Service will bear responsibility for any
late payment related charges up to $50.00 should a payment post after
its Due Date as long as the payment was scheduled in accordance with the
guidelines described under "Payment Scheduling" in this Agreement. PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account
information of Billers to whom you wish to direct payments, you
authorize the Service to follow the Payment Instructions that it
receives through the payment system. In order to process payments more
efficiently and effectively, the Service may edit or alter payment data
or data formats in accordance with Biller directives. When the Service receives a Payment Instruction, you
authorize the Service to debit your Payment Account and remit funds on
your behalf so that the funds arrive as close as reasonably possible to
the Scheduled Payment Date designated by you. You also authorize the
Service to credit your Payment Account for payments returned to the
Service by the United States Postal Service or Biller, or payments
remitted to you on behalf of another authorized user of the Service. The Service will use its best efforts to make all
your payments properly. However, the Service shall incur no liability
and any Service Guarantee shall be void if the Service is unable to
complete any payments initiated by you because of the existence of any
one or more of the following circumstances:
Provided none of the foregoing exceptions are
applicable, if the Service causes an incorrect amount of funds to be
removed from your Payment Account or causes funds from your Payment
Account to be directed to a Biller which does not comply with your
Payment Instructions, the Service shall be responsible for returning the
improperly transferred funds to your Payment Account, and for directing
to the proper Biller any previously misdirected transactions, and, if
applicable, for any late payment related charges. PAYMENT METHODS
The Service reserves the right to select the method
in which to remit funds on your behalf to your Biller. These payment
methods may include, but may not be limited to, an electronic payment,
an electronic to check payment, or a laser draft payment. (funds
remitted to the Biller are deducted from your Payment Account when the
laser draft is presented to your financial institution for payment). PAYMENT CANCELLATION REQUESTS
You may cancel or edit any Scheduled Payment
(including recurring payments) by following the directions within the
application. There is no charge for canceling or editing a Scheduled
Payment. Once the Service has begun processing a payment it cannot be
cancelled or edited, therefore a stop payment request must be submitted.
STOP PAYMENT REQUESTS
The Service's ability to process a stop payment
request will depend on the payment method and whether or not a check has
cleared. The Service may also not have a reasonable opportunity to act
on any stop payment request after a payment has been processed. If you
desire to stop any payment that has already been processed, you must
contact Customer Service. Although the Service will make every effort to
accommodate your request, the Service will have no liability for failing
to do so. The Service may also require you to present your request in
writing within fourteen (14) days. The charge for each stop payment
request will be the current charge for such service as set out in the
applicable fee schedule. PROHIBITED PAYMENTS
Payments to Billers outside of the EXCEPTION PAYMENTS
Tax payments and court ordered payments may be
scheduled through the Service, however such payments are discouraged and
must be scheduled at your own risk. In no event shall the Service be
liable for any claims or damages resulting from your scheduling of these
types of payments. The Service Guarantee as it applies to any late
payment related changes is void when these types of payments are
scheduled and/or processed by the Service. The Service has no obligation
to research or resolve any claim resulting from an exception payment.
All research and resolution for any misapplied, mis-posted or
misdirected payments will be the sole responsibility of you and not of
the Service. BILL DELIVERY AND PRESENTMENT
This feature is for the presentment of electronic
bills only and it is your sole responsibility to contact your Billers
directly if you do not receive your statements. In addition, if you
elect to activate one of the Service's electronic bill options, you also
agree to the following: Information provided to the Biller - The Service is
unable to update or change your personal information such as, but not
limited to, name, address, phone numbers and e-mail addresses, with the
electronic Biller. Any changes will need to be made by contacting the
Biller directly. Additionally it is your responsibility to maintain all
usernames and passwords for all electronic Biller sites. You also agree
not to use someone else's information to gain unauthorized access to
another person's bill. The Service may, at the request of the Biller,
provide to the Biller your e-mail address, service address, or other
data specifically requested by the Biller at the time of activating the
electronic bill for that Biller, for purposes of the Biller informing
you about Service and/or bill information.
Activation - Upon activation of the electronic bill
feature the Service may notify the Biller of your request to receive
electronic billing information. The presentment of your first electronic
bill may vary from Biller to Biller and may take up to sixty (60) days,
depending on the billing cycle of each Biller. Additionally, the ability
to receive a paper copy of your statement(s) is at the sole discretion
of the Biller. While your electronic bill feature is being activated it
is your responsibility to keep your accounts current. Each electronic
Biller reserves the right to accept or deny your request to receive
electronic bills.
Authorization to obtain bill data - Your activation
of the electronic bill feature for a Biller shall be deemed by us to be
your authorization for us to obtain bill data from the Biller on your
behalf. For some Billers, you will be asked to provide us with your user
name and password for that Biller. By providing us with such
information, you authorize us to use the information to obtain your bill
data.
Notification - The Service will use its best efforts
to present all of your electronic bills promptly. In addition to
notification within the Service, the Service may send an e-mail
notification to the e-mail address listed for your account. It is your
sole responsibility to ensure that this information is accurate. In the
event you do not receive notification, it is your responsibility to
periodically logon to the Service and check on the delivery of new
electronic bills. The time for notification may vary from Biller to
Biller. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification - The
electronic Biller reserves the right to cancel the presentment of
electronic bills at any time. You may cancel electronic bill presentment
at any time. The timeframe for cancellation of your electronic bill
presentment may vary from Biller to Biller. It may take up to sixty (60)
days, depending on the billing cycle of each Biller. The Service will
notify your electronic Biller(s) as to the change in status of your
account and it is your sole responsibility to make arrangements for an
alternative form of bill delivery. The Service will not be responsible
for presenting any electronic bills that are already in process at the
time of cancellation.
Non-Delivery of electronic bill(s) - You agree to
hold the Service harmless should the Biller fail to deliver your
statement(s). You are responsible for ensuring timely payment of all
bills. Copies of previously delivered bills must be requested from the
Biller directly. Accuracy and dispute of electronic bill - The Service
is not responsible for the accuracy of your electronic bill(s). The
Service is only responsible for presenting the information we receive
from the Biller. Any discrepancies or disputes regarding the accuracy of
your electronic bill summary or detail must be addressed with the Biller
directly. This Agreement does not alter your liability or
obligations that currently exist between you and your Billers.
EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED
"AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE. PASSWORD AND SECURITY
You agree not to give or make available your password
or other means to access your account to any unauthorized individuals.
You are responsible for all payments you authorize using the Service. If
you permit other persons to use the Service or your password or other
means to access your account, you are responsible for any transactions
they authorize. If you believe that your password or other means to
access your account has been lost or stolen or that someone may attempt
to use the Service without your consent or has transferred money without
your permission, you must notify the Service at once by calling
800-877-8021 during customer service hours. YOUR LIABILITY FOR 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 financial
institution statement contains transfers that you did not authorize, you
must tell us at once. If you do not tell us 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 a good reason (such as a long trip or a hospital stay)
prevented you from telling us, we may extend the period. ERRORS AND QUESTIONS
In case of errors or questions about your
transactions, you should as soon as possible notify us via one of the
following:
Metro Federal Credit Union 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:
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 Payment 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
Payment 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. You may ask for copies of documents used in our
investigation. The Service may revoke any provisional credit provided to
you if we find an error did not occur. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account
information as confidential. However, we will disclose information to
third parties about your account or the transactions you make ONLY in
the following situations:
SERVICE FEES AND ADDITIONAL CHARGES
Any applicable fees will be charged regardless of
whether the Service was used during the billing cycle. There may be a
charge for additional transactions and other optional services. You
agree to pay such charges and authorize the Service to deduct the
calculated amount from your designated Billing Account for these amounts
and any additional charges that may be incurred by you. Any financial
fees associated with your standard deposit accounts will continue to
apply. You are responsible for any and all telephone access fees and/or
Internet service fees that may be assessed by your telephone and/or
Internet service provider. FAILED OR RETURNED TRANSACTIONS
In using the Service, you are requesting the Service
to make payments for you from your Payment Account. If we are unable to
complete the transaction for any reason associated with your Payment
Account (for example, there are insufficient funds in your Payment
Account to cover the transaction), the transaction will not be
completed. In some instances, you will receive a return notice from the
Service. In such case, you agree that:
ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges
may be altered or amended by the Service from time to time. In such
event, the Service shall provide notice to you. Any use of the Service
after the Service provides you a notice of change will constitute your
agreement to such change(s). Further, the Service may, from time to
time, revise or update the applications, services, and/or related
material, which may render all such prior versions obsolete.
Consequently, the Service reserves the right to terminate this Agreement
as to all such prior versions of the applications, services, and/or
related material and limit access to only the Service's more recent
revisions and updates. In addition, as part of the Service, you agree to
receive all legally required notifications via electronic means.
ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the
contact information in your user profile is current and accurate. This
includes, but is not limited to, name, address, phone numbers and email
addresses. Changes can be made by contacting Customer Service. Any
changes in your Payment Account should also be made in accordance with
the procedures outlined within the application's Help files. All changes
made are effective immediately for scheduled and future payments paid
from the updated Payment Account information. The Service is not
responsible for any payment processing errors or fees incurred if you do
not provide accurate Payment Account or contact information. SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
In the event you wish to cancel the Service, you may
have the ability to do so through the product, or you may contact
customer service via one of the following:
Metro Federal Credit Union Any payment(s) the Service has already processed
before the requested cancellation date will be completed by the Service.
All Scheduled Payments including recurring payments will not be
processed once the Service is cancelled. The Service may terminate or
suspend Service to you at any time. Neither termination nor suspension
shall affect your liability or obligations under this Agreement. BILLER LIMITATION
The Service reserves the right to refuse to pay any
Biller to whom you may direct a payment. The Service will notify you
promptly if it decides to refuse to pay a Biller designated by you. This
notification is not required if you attempt to make a prohibited payment
or an exception payment under this Agreement. RETURNED PAYMENTS
In using the Service, you understand that Billers
and/or the United States Postal Service may return payments to the
Service for various reasons such as, but not limited to, Biller's
forwarding address expired; Biller account number is not valid; Biller
is unable to locate account; or Biller account is paid in full. The
Service will use its best efforts to research and correct the returned
payment and return it to your Biller, or void the payment and credit
your Payment Account. You may receive notification from the Service. INFORMATION AUTHORIZATION
Your enrollment in the Service may not be fulfilled
if the Service cannot verify your identity or other necessary
information. Through your enrollment in the Service, you agree that the
Service reserves the right to request a review of your credit rating at
its own expense through an authorized bureau. In addition, you agree
that the Service reserves the right to obtain financial information
regarding your account from a Biller or your financial institution (for
example, to resolve payment posting problems or for verification). DISPUTES
In the event of a dispute regarding the Service, you
and the Service agree to resolve the dispute by looking to this
Agreement. You agree that this Agreement is the complete and exclusive
statement of the agreement between you and the Service which supersedes
any proposal or prior agreement, oral or written, and any other
communications between you and the Service relating to the subject
matter of this Agreement. If there is a conflict between what an
employee of the Service or Customer Service Department says and the
terms of this Agreement, the terms of this Agreement will prevail. ASSIGNMENT
You may not assign this Agreement to any other party.
The Service may assign this Agreement to any future, directly or
indirectly, affiliated company. The Service may also assign or delegate
certain of its rights and responsibilities under this Agreement to
independent contractors or other third parties. NO WAIVER
The Service shall not be deemed to have waived any of
its rights or remedies hereunder unless such waiver is in writing and
signed by the Service. No delay or omission on the part of the Service
in exercising any rights or remedies shall operate as a waiver of such
rights or remedies or any other rights or remedies. A waiver on any one
occasion shall not be construed as a bar or waiver of any rights or
remedies on future occasions. CAPTIONS
The captions of sections hereof are for convenience
only and shall not control or affect the meaning or construction of any
of the provisions of this Agreement. GOVERNING LAW
This Agreement shall be governed by and construed in
accordance with the laws of the State of THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE
LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE
LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR
EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE
POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR
MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE. Service Provided by
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