Bill Pay Terms, Conditions & Fees

• Your account will be debited immediately for the payment amount selected plus any applicable fees.
• Bill payments submitted prior to 11:00 PM Eastern time will be transmitted to your Biller on the same day. Payments submitted after this time will be transmitted the following business day.
• Although many billers will credit your account within 24 hours of payment receipt, it is suggested that you submit your bill payment 5 business days prior to the due date to ensure adequate time for the Biller to credit your account.
• If a bill payment requires more than the funds available on your account, Overdraft Program or Line of Credit (if available) may be used to complete the transaction. Any standard account fees applicable to Overdraft Program or Line of Credit will apply. For more information on Overdraft Program or Line of Credit, refer to your Cardholder Agreement.
• Daily transaction limits may apply. Refer to your Cardholder Agreement for details.
• Fee Schedule descriptions:

  • Premium Service – You may qualify for fee-free bill payment services by initiating and maintaining a minimum $100.00 recurring direct deposit to your account.  This elite status becomes effective when a second direct deposit transaction posts to your account within a 60 day timeframe and will continue as long as you maintain your recurring direct deposit of at least $100.00.
  • Standard Service – $1.00 service fee per bill payment transaction.
• We cannot guarantee that any payment will be received by the payment due date, and we are not responsible for any costs, expenses or other damages you incur if your payment is not received by the payee on or before the payment due date. However, if you have followed our rules, allowed us sufficient time to make the payment, and we have issued you a confirmation number for a payment, we will reimburse you for any late charge assessed to you. We will pay up to a maximum of $50.00 per late payment, unless we are not responsible to you for one of the following reasons: 1.) Your account does not contain sufficient funds to complete the transaction. 2.) Your account is closed. 3.) We identify you or your account as a risk and terminate your use of the Bill Pay service. 4.) The payee rejects or returns the payment for any reason. 5.) Your equipment, software or any communications link is not working properly. 6.) The Bill Pay service is unavailable and you know or we have told you about the problem before you initiate the payment. 7.) You have provided us with incorrect information about the payee you wish to pay. 8.) The payee mishandles or delays handling or posting any payment we send. 9.) Circumstances beyond our control (for example, fire, flood, interference from an outside source) prevent or delay the transfer or payment from being completed. We may require that you provide us with satisfactory written documentation of any late fees prior to making a reimbursement to you. THIS IS OUR ONLY OBLIGATION TO YOU FOR ANY PAYMENT DELAYS OR FAILURE. IN ADDITION, IF YOU DO NOT FOLLOW THESE RULES OR IF YOU DO NOT ALLOW US ENOUGH TIME TO COMPLETE A PAYMENT, YOU ALONE ARE RESPONSIBLE FOR ANY PENALTIES OR LATE CHARGES ON THE PAYMENT.