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Bill Pay Agreement


Printer IconEffective 11/16/2019

 

This is your bill pay agreement with NSWC Federal Credit Union.  You may use the NSWC Federal Credit Union bill paying service to direct NSWC Federal Credit Union to make payments from your designated checking account to the Payees you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.

 

By checking the box next to Yes, I accept the terms and conditions and also click the Go button, you are agreeing to the following terms and conditions.

 

Service Fees:

Usage Fees. As a member of NSWC Federal Credit Union, we do not charge you a service fee to use the bill pay software. 

 

Special Fees:

 There are charges for additional services that you, as a consumer, have control over, including, but not limited to: rush payments, P2P transfers and gift pay. These services are available as a convenience for our members.  NSWC Federal Credit Union is not responsible for these charges if you choose to use these additional services.

You will be notified of applicable fees before you conduct the transaction. You agree to pay such fees and charges and you authorize NSWC Federal Credit Union to debit any fees from your NSWC Federal Credit Union draft account when the request is processed.

 

Insufficient Funds Fees:

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 software or speak to a service representative. NSWC Federal Credit Union reserves the right to refuse the designation of a Payees or remove an existing Payees for any reason.

 

Payments: You may add a new payment to a Payees by accessing the service and entering the appropriate information.  Most other additions, deletions, or changes can be made in writing or by using the service. You may pay any Payees within the United States (including U.S. territories and APOs / AEOs). You agree that will you not use the service for any illegal purpose, including illegal gambling transactions.

 

NSWC Federal Credit Union reserves the right to implement and/or change limits on the dollar amount for payments and may refuse to permit any payment if we reasonably believe, in our sole discretion, refusal is necessary or advisable for security reasons.

 

NSWC Federal Credit Union is not responsible for payments that cannot be made due to incomplete, improper, incorrect, or outdated information.

 

The Bill Paying Process:

Single Payments -A single payment will be processed on the business day (Monday through Friday, except holidays) that you designate as the payment's processing date, provided the payment is submitted prior to the daily cut-off time on that date.  The daily cut-off time, is currently 2:00 p.m. EST.

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 day (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 day (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 day 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 day after the calculated processing date.

You are responsible for cancelling, amending or terminating recurring payments. You agree that NSWC Federal Credit Union will not be responsible or liable for the payment of a recurring payment made in accordance with your instructions and NSWC Federal Credit Union has no obligation to confirm or verify whether authorization for recurring payments has been or may have been revoked by you. Further, as described below, you are responsible for ensuring your account has sufficient available funds to pay the recurring transaction on the actual payment date.

 

  Transactions scheduled through Bill Pay are limited to a per item cap of $15,000.00.  The user is restricted to a total of $15,000.00 in scheduled payments at any one time.  Any time the sum of the scheduled payments exceeds $10,000.00 payments will automatically remit as checks.  Person to Person payments are limited to a per item cap of $2,500.00 and a per day cap of $2,500.00.  NSWC Federal Credit Union has established these limits and has the right to change them at any time. 

 

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

 

Arrival Date of Payment:

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your Payees. You are solely responsible for ensuring your payments are scheduled and processed within any time frames you have established with any Payee. 

 

Cancelling a Payment:

A bill payment can be changed or cancelled any time prior to the cutoff time (2:00 EST) on the scheduled processing date. Once the cutoff time has been reached, a bill payment cannot be changed or cancelled.

 

Available Funds:

If, on any day, the available balance in your draft account is not sufficient to pay the full amount of the bill pay request, we may cancel the request or pay it, as described below. 

We offer standard overdraft services which allow us to authorize payment for bill pay transactions regardless of whether your draft account has sufficient available funds. The overdraft fee will be charged if the funds are not available in your draft account at the time of posting. If you have established a service linking your draft account with another account, such as a savings account or an overdraft line-of-credit, you will be charged the transfer fee for each of those transactions. We are under no obligation to pay a transaction that exceeds your available balance. If we pay a transaction, we do so as a courtesy and are not required to pay future transactions. If you have opted-out of our overdraft services, your requested transaction will be declined.

We use your available balance to determine whether sufficient funds are available when transactions attempt to clear the account and for determining whether to charge an overdraft or NSF fee.

If we decline or refuse a transaction due to insufficient available funds, we may charge you a fee as indicated on our Fee Schedule.

 

Liability:

NSWC Federal Credit Union is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.  NSWC Federal Credit Union is not responsible for the delivery of the U.S. postal service and ensuring that your check payment arrives at the assigned designation. 

NSWC Federal Credit Union is not liable for any failure to make a bill payment if you fail to promptly notify NSWC Federal Credit Union after you learn that you have not received credit from a Payee for a bill payment. NSWC Federal Credit Union will not be liable if the Payee rejects or returns the payment for any reason, or mishandles or delays handling or posting the payment we send. 

 

NSWC Federal Credit Union will not be responsible or liable for any failure to complete or delay in completing any payment due to your equipment, service, or any communication link not working properly or if the service is unavailable and you know or should have known about the problem before you attempted to submit a payment.

 

If you want to terminate another person's authority to use the bill pay service, you must notify NSWC Federal Credit Union and arrange to change your PIN, password or other access credentials. NSWC Federal 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 our agent. 

 

Notification of Errors:

Contact NSWC Federal Credit Union immediately if you believe your password or access credentials have been lost or stolen, or if you believe that a payment has been made without your permission. Your potential liability for unauthorized transactions will be governed by the Electronic Funds Transfer Agreement, as amended from time to time, prior receipt of which you acknowledge.

 

In case of errors or questions about your transactions, you should notify us via one of the following as soon as possible:

 

             -Call us at 540.663.2181 during business hours

             -Write us at: P.O. Box 519, Dahlgren, VA, 22448

             -Contact us at any branch during business hours

 

Amendment:

NSWC Federal Credit Union has the right to change this agreement at any time by e-mail notice delivered to your bill payment message box and/or providing an electronic notice of changes (including, but not limited to, sending a notice to the email address on file with a hyperlink to the changes), and/or by posting notice in branches of NSWC Federal Credit Union, or as otherwise permitted by law.

 

Termination:

NSWC Federal Credit Union has the right to terminate this agreement at any time. You remain obligated for any payments made by NSWC Federal Credit Union on your behalf.

You may terminate this agreement by written notice to NSWC Federal Credit Union, PO Box 519, Dahlgren, VA 22448 or by making such cancellation in accordance with any online procedures we have established and made available for such purpose. NSWC Federal Credit Union is not responsible for any payment request submitted before NSWC Federal Credit Union has a reasonable opportunity to act on your termination notice.