Note: All references to "the Service" reflect the Bill Pay service offered by Travis Credit Union.

Bill Pay Service

As used in these Terms and Conditions (the “Agreement”), the term “Payee” means the person or entity to whom you wish a Bill Pay to be directed; “Payment Instruction” means the information provided by you to the Service for a Bill Pay to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and payment date); “Payment Account” means your checking account from which all Bill Pay will be made; “Business Day” means Monday through Friday, excluding Federal Reserve holidays; “Scheduled Payment Date” means the Business Day of your choice upon which your Bill Pay will begin processing and your Payment Account will be debited (a Scheduled Payment Date of a non-Business Day will be considered to be the previous Business Day); and, “Cutoff Time” means 11:59 p.m. Eastern Time on any Business Day and is the time by which you must transmit Payment Instructions to have them considered entered on that particular Business Day.

By providing the Service with the names and account information of those Payees to whom you wish to direct payment, you authorize the Service to follow the Payment Instructions that it receives through the payment system. When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account on the selected Scheduled Payment Date and remit funds to the Payee on your behalf.

If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for late charges ($50.00 maximum). In any other event, including, but not limited to, choosing a payment date anytime after the actual due date, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

A Bill Pay is “In Process” starting at the Cutoff Time on the Business Day prior to the Scheduled Payment Date and continuing up to the next Business Day after the Scheduled Payment Date. A Bill Pay is a “Pending Payment” starting from the time you enter Payment Instructions until the payment is “In Process.” A Bill Pay is considered “Completed” on the next Business Day after the Scheduled Payment Date. You may cancel or edit any Pending Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Pending Payment. We may not have a reasonable opportunity to act on any stop payment or cancellation order given after a payment is In Process and it is not possible to stop or cancel a payment which is completed. If you desire to cancel or stop any payment which is “In Process” you must call us at (707) 449-4000 or (800) 877-8328 from 8:00 a.m. to 7:00 p.m. (Pacific time) Monday through Friday and 9:00 a.m. to 5:00 p.m. (Pacific time) Saturdays, excluding holidays. Although we will make every effort to accommodate your request we will have no liability for failing to do so. Stop payment requests sent to us via electronic mail or in any other manner will not reach us in time for us to act on your request. Such stop payment requests will be accepted only if we have a reasonable opportunity to act on such requests. If you call, we may also require you to present your request in writing within fourteen (14) days after you call. The charge for each stop payment order will be the then current charge for such service as set forth in the FEE SCHEDULE located at the end of these terms and conditions.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability if it is unable to complete any payments initiated by you through the Service because of the existence of any one or more of the following circumstances:

  1. If, through no fault of ours, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your of your personal line of credit, if you have one, or the available balance in another account, which had been previously designated as an overdraft source;
  2. The Bill Pay processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
  3. The Payee mishandles or delays a payment sent by the Service;
  4. You have not provided the Service with the correct name, phone number or account information for the Payee; or,
  5. Circumstances beyond the Service's control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing five (5) 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 Payee 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 Payee any previously misdirected transactions.

Prohibited Payments

The following payments are prohibited through the Service:

  1. Tax Payments;
  2. Court ordered payments; and,
  3. Payments to Payees outside of the United States.

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.

Exclusions of Warranties

THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY 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 Bill Pay password or other means to access your account to any unauthorized individuals. You are responsible for all Bill Pays you authorize using the Service. If you permit other persons to use the Service or your Bill Pay password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your Bill Pay 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 us at once by calling us at (707) 449-4000 or (800) 877-8328 from 8:00 a.m. to 7:00 p.m. (Pacific time) Monday through Friday and 9:00 a.m. to 5:00 p.m. (Pacific time) Saturdays, excluding holidays.

Your Liability for unauthorized Transfers

If you tell us within two (2) Business Days after you discover your Bill Pay password or other means to access your account has been lost or stolen, you can lose no more than $50.00 if someone uses your Bill Pay password or other means to 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 Bill Pay password or other means to access your account if you had told us, you could lose as much as $500.00. If your monthly statement contains transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed 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, call or write us at the telephone numbers and address listed in the “HOW TO CONTACT US” section as soon possible. If you think that your statement is wrong or you need more information about a bill payment listed on the statement, we must hear from you no later than sixty (60) days after you received the FIRST statement on which the problem or error appeared. You will need to tell us:

  1. Your name and account number;
  2. About the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
  3. The dollar amount of the suspected error;
  4. The payee’s name, if known; and,
  5. The approximate date of the suspected error.

If you tell us verbally, we may require that you send your complaint or question 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. If we need more time, however, we may take up to forty-five (45) days to investigate the complaint or question. 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, so that you may have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account.

For errors involving new accounts (accounts opened thirty (30) days or less), we may take up to 90 days to investigate your complaint or question and may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will mail you a written explanation. You may ask for copies of documents which we used in our investigation. We may revoke any provisional credit provided to you if we find that an error did not occur.

If you need more information about our error resolution procedures, call or write us at the telephone numbers and address listed in the “HOW TO CONTACT US” section.

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:

  1. Where it is necessary for completing transactions;
  2. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee;
  3. To a consumer reporting agency for research purposes only;
  4. In order to comply with a governmental agency or court orders; or,
  5. If you give us your written permission.

Please refer to our Privacy Policy, which is provided to you separately.

In the event a service transaction is returned.

In using the Service, you are requesting the system 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 not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice from BESTBANK. In such case, you agree that:

  1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service.
  2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;
  3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return.
  4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,
  5. The Service is authorized to report the facts concerning the return to a credit reporting agency.

Alterations and Amendments

The Credit Union reserves the right to change the terms and conditions of this Agreement at any time, including the fee schedule. A notice of any changes that would affect your account will be will be mailed to you 30 calendar days in advance of the effective date of change. Any use of the Service after we provide 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 programs, 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 programs, services, and/ or related material and limit access to the Service's more recent revisions and updates.

Address or Banking Changes

You agree to promptly notify us in writing of any address change. Write us at the address listed in the “HOW TO CONTACT US” section. Additionally, you agree to notify us in writing at least ten (10) Business Days in advance of any change in your Payment Account or your banking status.

Termination or Discontinuation

In the event you wish to discontinue the Service, you must contact us. Such notice of service discontinuance must be supplied ten (10) days prior to the actual discontinuance date and must be sent to us as soon as possible. We may terminate service to you at any time and/or revoke your right to use software. Neither termination nor discontinuation shall affect your liability or obligations under this Agreement.

Payee Limitation

We reserve the right to refuse to pay any Payee to whom you may direct a payment. We are obligated to notify you promptly if it is decided to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment under this Agreement.

Information Authorization

Your enrollment in the Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that we reserve the right to request a review of your credit rating through an authorized bureau. In addition, you agree that we reserve the right to obtain financial information regarding your account from a Payee or financial institution to resolve payment-posting problems.

Disputes

In the event of a dispute regarding the Service, you and the Credit Union 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 Travis Credit Union, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Credit Union relating to the subject matter of this Agreement. If there is a conflict between what an employee of Travis Credit Union 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. We may assign this Agreement to any future, directly or indirectly, affiliated company. We may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

The Credit Union 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 our part 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 rules and regulations of applicable federal law and the laws of the State of California.

How to Contact Us

Member Service Center
Account Assistance and Information

(707) 449-4000
(800) 877-8328

Mailing Address
Travis Credit Union
P.O. Box 2069
Vacaville, CA 95696-2069

Web Site Address
www.traviscu.org


Schedule of Fees and Charges

Monthly maintenance fee: Free

Overnight payment: $17.00 (Per request)

Non-Sufficient Funds (NSF) Fee: $29.00 (Per submission). If at submission, there are insufficient funds to cover the payment, the system will resubmit a second time. If there are still insufficient funds in your account, an additional $29.00 will be charged for the second submission. If there are still insufficient funds in your account, the item may not be paid. Travis Credit Union will not be held liable for the payment or nonpayment of any item against insufficient funds. In the event that an item is paid, the Credit Union is under no obligation to pay any future items against insufficient funds.

Stop payment: $25.00 (Per stop payment request)
Any 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.

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BPDISC 05/12