If approved, you may conduct anyone (1) or more of the EFT services offered by the Credit Union.
If approved, you may use your MasterCard® to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft account. For all types of transactions, including ATM transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established or authorized with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Co-Op, Cirrus, PULSE, NYCE networks, and such other machines or facilities as the Credit Union may designate.
At the present time, you may also use your card to:
The following limitations on 1stCCU Card transactions may apply:
If you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. You are responsible for making direct payment until recurring charges resume.
V.I.C.K.I. Voice Response. If we approve V.I.C.K.I. Voice Response for your accounts, a separate personal identification number (PIN) will be required. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use V.I.C.K.I. Voice Response to:
Your accounts can be accessed under V.I.C.K.I. Voice Response via a touch-tone telephone. V.I.C.K.I. Voice Response service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.
The following limitations on V.I.C.K.I. Voice Response transactions may apply:
The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.
Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.
The following limitations on Online Banking transactions may apply:
If Mobile Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Mobile Banking to:
Your accounts can be accessed under 1stCCU’s Mobile Banking app via mobile device or other approved access device(s). 1stCCU’s Mobile Banking app will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.
The following limitations on Mobile Banking transactions may apply:
We will process bill payment transfer requests only to those creditors you authorize and for whom the credit union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.
We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.
The following limitations on iPay Billpay transactions may apply:
You may use Online Banking and Mobile Banking to view the balance and recent activity in your qualifying accounts. Online account information that is available to you may vary depending on whether you access this Online Service through Online Banking (Online Access) or 1STCCU Mobile. Online account information is provided as a convenience to you for tracking purposes only. The online account information provided may differ from your records because it may not include deposits in process, outstanding checks, withdrawals, payments, fees or charges. In addition, the transaction history may be limited to a particular number of days.
There are certain fees and charges for EFT services. From time to time, the charges may be changed. We will notify you as required by applicable law.
If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any international, national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.
You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access/user code, you are responsible for any transactions they authorize or conduct on any of your accounts.
TELL US AT ONCE if you believe your card or access/user code has been lost or stolen, if you believe someone has used your card or access/user code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Contacting us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit).
For all other EFT transactions involving your card or access/user code, including if you were negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days after you learn of the loss or theft of your card or access/user code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access/user code and we can prove we could have stopped someone from using your card or access/user code without your permission if you had told us, you could lose as much as $500.00.
Also, if your statement shows transfers that you did not make including those made by card, access/user code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time.
If you believe your card or access/user code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call:
Main Branch (404) 832-5800
Outside USA (888) 858-3903
Lost /Stolen Card (404) 832-5800 outside USA (888) 858-3903
or write to:
1st Choice Credit Union
315 Auburn Avenue
Atlanta, Georgia 30303
Fax: (404) 607-8252
We will disclose information to third parties about your account or the transfers you make:
Business days are Monday through Friday, excluding holidays.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:
All notices from us will be effective when we have mailed them or delivered them to the appropriate address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 30 days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.
The following information is a list of safety precautions regarding the use of ATMs facilities:
In case of errors or questions about electronic fund transfers from your share and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appears. Call us at:
Main Branch (404) 832-5800
Outside USA (888) 858-3903
Lost /Stolen Card (404) 832-5800 outside USA (888) 858-3903
or write to:
1st Choice Credit Union
315 Auburn Avenue
Atlanta, Georgia 30303
Fax: (404) 607-8252
When you call or write to us tell us your name and account number. Describe the electronic transfer you are unsure about and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error has occurred 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 to sixty (45-60) days to investigate your complaint or question. We will tell you the results after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your card and any access/user code. You must return all cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access/user code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any electronic transactions made prior to termination.
This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of New York, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions.
The provisions of this section are applicable upon enrollment and activation for the 1STCCU EStatement service which is automatic when you enroll in Online Banking. Your first statement will become available on the first of the month after enrolling.
1STCCU is pleased to offer the Any Account Transfer service (referred to as "Service" in this subsection) as a feature of Online and Mobile Banking. The Service offered by 1STCCU, allows you to transfer funds to or from your Eligible Accounts held at 1STCCU.
The Service also includes the optional capability to electronically send money to members who are friends, family or other associates with accounts held at 1STCCU. You do not have to be an owner of the account to which you are sending money using this feature. Account transfer can occur with using member account number, suffix and surname of the person you are transferring funds to at 1STCCU. You may also transfer by using a transfer nickname given by the member whose account you are transferring funds to be credited at 1STCCU.
Do not initiate a transaction if you have or expect to have insufficient funds to cover the transaction(s). It may result in additional fees, as disclosed in our Truth in Savings Disclosure, loan or deposit agreements/disclosures, or other fee schedule applicable to you. Do not count on overdraft services, or other sources to be available to cover your transfers.
Your ability to transfer funds from certain accounts may be restricted or limited by us, by either federal law or the terms of your account. You may use your Online and Mobile Banking to set-up recurring transfers. Be sure to schedule your transfer several days before your intended transfer date.
Remember that if you give someone access to use Online Banking, Mobile Banking, Bill Pay and External transfer, you are responsible for all transactions they perform until you tell us to change or cancel access. This is true even if the person exceeds the scope of permission you gave them to use your accounts. We are not subject to agreements that you make with other people limiting their use of your accounts.
Online Banking and Mobile Banking has the capability of providing email or text alerts of certain account information, such as alerts for withdrawals, daily balance, account balance, funds deposited, funds withdrawn, check cleared, one time personal reminder or recurring personal reminder. We may add new alerts from time to time, or cancel old alerts with or without notice to you.
We transmit alerts to you either by text message, email or both. While 1STCCU does not charge for the delivery of the alerts, please be advised that text or data charges or rate may be imposed by your carrier.
Account alerts are one-way communications from us to you. An electronic message to reply sent by you through this online service will not be received by us. No action will be made on any electronic message you send to us through this online service.
You acknowledge that the mobile number you provide is registered in your name. You agree to provide your correct email or text number. If your email address or your mobile device’s number changes, you understand that it is your sole responsibility to modify your contact information on the site, or cancel this online service. If we are notified by a carrier or the new owner of your old number that you have changed or given up your mobile number, we may unsubscribe you from the alert service until you provide us with correct information.
You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any alert. You also agree we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert.
We will never ask you for your user ID or password under this online service. If you receive such an email or text message, you agree to immediately report it to us.
Submission of the completed form under the loan tab indicates you want 1st Choice Credit Union to process a loan for decision by our Underwriting Department. This form is not considered complete until all required disclosures are returned and all requested underwriting documents are forwarded to the Credit Union. You must submit this form to start the approval process and a signed application will be required to complete it.
By submitting this form you are authorizing the Credit Union to make inquiries about and access your credit information. The submission of this form is not an approval or commitment by the Credit Union.
We value the security of your personal information. Be assured that the information you are sharing with us is protected using data encryption.
This Agreement contains the terms and conditions for the use of Mobile Remote Deposit Capture /Check Deposit (“RDC”) services. By accepting the Terms and Conditions, I, as the account signer, authorize 1st Choice Credit Union to verify credit and/or have a credit reporting agency prepare a credit report. 1st Choice Credit Union Membership Agreement is hereby incorporated into and made a part of the Agreement. In the event of a discrepancy between this Agreement and the Membership Agreement, this Agreement will control.
Acceptance of these Terms.
Your acceptance of these terms and/or use of the services constitutes your acceptance of this Agreement. The agreement is subject to change; we will notify you of any material change via email or on our website with a link to the revised agreement. Further, 1st Choice Credit Union reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.
IMPORTANT: Items not properly endorsed will be rejected.
(A) Depositor has the authority to enter into this agreement and perform its obligations hereunder and all information supplied by depositor to 1st Choice Credit Union is accurate and true; (B) Depositor will provide all reasonable assistance to 1st Choice Credit Union and its subcontractors in providing the services set forth herein; (C) Depositor and any authorized users will only use the services for lawful purposes and in compliance with all applicable rules and regulations and with 1st Choice Credit Union’s reasonable instructions, rules, policies, specifications, terms and conditions, and operating procedures and will not violate any law of any country or the intellectual property rights of any third party; (D) Depositor has only transmitted acceptable items for deposit and has handled the original items following transmission to 1st Choice Credit Union as agreed, directed by with 1st Choice Credit Union and in accordance with applicable law; (E) Depositor is a person authorized to enforce each item or is authorized to obtain payment of each item on behalf of a person entitled to enforce an item; (F) The items have not been altered; (G) Each item bears all applicable endorsements in a restricted format as directed by 1st Choice Credit Union; (H) All the warranties set forth in and subject to applicable laws and regulatory agencies; (I) (1) The electronic image portion of each item accurately and legibly represents all of the information on the front and back of the original check as of the time the original check was deposited, (2) The information portion of the item contains a record of all applicable MICR-line information required for a substitute check, and (3) The item conforms to the technical standards for an electronic item as specified by 1st Choice Credit Union from time to time; (J) Depositor will submit only one accurate and clear image of the front and back of each item to 1st Choice Credit Union only one time; (K) Depositor will not deposit the original item and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid; (L) The amount of an item entered by depositor or any authorized user for transmission to 1st Choice Credit Union is accurate; and (M) Depositor and any authorized users will not (1) Sell, lease, distribute, license or sublicense the technology or services; (2) Modify, change, alter, disassemble or decompile the technology or services in any way for any reason; (3) Provide, disclose, divulge or make available to, or permit use of the technology or services by, any third party; (4) Copy or reproduce all or any part of the technology or services; (5) Interfere, or attempt to interfere, with the technology or services in any way; (6) Engage in spamming, fraudulent, illegal or unauthorized use of the services, (7) Introduce or transmit through the technology or services, without limitation, via any portion of the depositor’s computer system that interfaces with the technology or services, or otherwise, any virus, worm, software lock, drop dead device, Trojan-horse routine, trap door, back door, timer, time bomb, clock, counter or other limiting routine, instruction or design or any other codes or instructions that may be used to access, modify, delete, damage, disable or prevent the use of the technology, services or other computer systems of 1st Choice Credit Union or its subcontractors; (8) Remove, obscure or alter any copyright notice, trademarks or other proprietary rights notices affixed to or contained within the technology or services; or (9) Engage in or allow any action involving the technology or services that is inconsistent with this agreement. Should depositor receive notice of any claim regarding the services, depositor shall promptly provide 1st Choice Credit Union with a written notice of such claim.
This Agreement contains the terms and conditions for the use of 1st Choice Credit Union (“Credit Union”, “us,” or “we”) iPay Bill Pay service that we or our affiliates may provide to you (“you,” or “User”). Other agreements you have entered into with us, including the Membership & Account Agreement, Electronic Funds Transfer Agreement. Online Banking, Remote Deposit Capture, and other Disclosures governing your account, are incorporated by reference and made a part of this Agreement.
Credit Union reserves the right to refuse enrollment in Bill Pay for any member who does not meet the Bill Pay criteria that has been established by the Credit Union. Included in the criteria is a requirement that subscribers to this service must live within the United States, its possessions and territories.
The earliest possible Scheduled Payment Date (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) for each Biller (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) 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 (the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period) 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 payment will be deducted from your Account by a transfer. All bill payments debited from your account will appear on your monthly Statement. They will also appear under the "BILL PAY HISTORY" section of Bill Pay in Online Banking and Mobile Banking. All payments can be viewed with the Payee's name, payment amount and payment date by reviewing your recent payment history under the history option provided to you as part of the Online Bill Pay Service.
Due to circumstances beyond the control of the Credit Union, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. User will bear responsibility for any late payment related charges should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described within this Agreement.
By providing Bill Pay with names and account information of Billers to whom you wish to direct payments, you authorize the Credit Union to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Bill Pay system may edit or alter payment data or data formats in accordance with Biller directives.
When Payment Instructions are received, you authorize the Bill Pay system to debit your 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 us to credit your Account for payments returned by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of Bill Pay.
We will use our best efforts to make all your payments properly. However, the Credit Union shall incur no liability if we are unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
If through no fault of the Credit Union, your Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account, if applicable (Note: Credit Union may, at its option, pay a scheduled bill payment (a payment that has been scheduled through Bill Pay but has not begun processing), which exceeds the balance in the checking account by transferring the amount of the resulting overdraft from your available line of credit or share account, indicated on the Membership Application and Agreement or on any subsequent Account Maintenance Form.
Payment processing is not working properly;
If the Payee mishandles or delays a payment sent by Bill Pay;
You have not provided Bill Pay with the correct Account information, or the correct name, address, phone number, or account information for the Biller: and/or
Circumstances beyond control of the Credit Union (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and Bill Pay has taken reasonable precautions to avoid those circumstances.
Provided none of the foregoing exceptions are applicable, if Bill Pay causes an incorrect amount of funds to be removed from your Account or causes funds from your Account to be directed to a Biller which does not comply with your Payment Instructions, Bill Pay shall be responsible for returning the improperly transferred funds to your Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.
Bill Pay 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, ACH, an electronic to check payment, or a laser draft payment (funds remitted to the Biller are deducted from your Account when the laser draft is presented to your financial institution for payment).
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 we have begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.
Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. We 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 the Credit Union. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. The Credit Union may also require you to present your request in writing. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.
Payments to Billers outside of the United States or its territories are prohibited through Bill Pay.
Tax payments and court ordered payments may be scheduled through Bill Pay, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Credit Union be liable for any claims or damages resulting from your scheduling of these types of payments. This guarantee does not apply to any late payment related changes. The Credit Union has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, miss-posted or misdirected payments will be the sole responsibility of you and not of the Credit Union.
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 electronic bill options, you also agree to the following:
Information provided to the Biller - Bill Pay 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. Bill Pay 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.
Upon activation of the electronic bill feature Bill Pay 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.
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.
The Credit Union will use its best efforts to present all of your electronic bills promptly. In addition to notification within Bill Pay, we 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 Bill Pay 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.
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. It is your sole responsibility to make arrangements for an alternative form of bill delivery. Bill Pay will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
You agree to hold the Credit Union 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.
The Credit Union is not responsible for the accuracy of your electronic bill(s). The Credit Union 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.
Bill Pay can be accessed by logging into Online Banking and Mobile Banking and by clicking the Bill Pay link in the navigation menu.
You agree not to give or make available your Online banking and Mobile Banking username and password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using Bill Pay. If you permit other persons to use Bill Pay or your Online and/or Mobile Banking username and password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your Online and /or Mobile Banking username and password or other means to access your account has been lost or stolen or that someone may attempt to use Bill Pay without your consent or has transferred money without your permission, you must notify the Credit Union at once by calling (404) 832-5800 during business hours.
You also agree that Credit Union may revoke your Bill Pay service and/or Online and Mobile Banking account access services if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the Online and Mobile Banking username(s) and password(s) belonging to you and/or your authorized user. Further, you agree that, if Credit Union is notified that you have included the credit union in the filing of a petition of bankruptcy, Credit Union may revoke or refuse to grant you Bill Pay service and/or Online and Mobile Banking account access to your account.
Charges transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in the Fee Schedule. You agree to pay such fees and charges, and authorize Bill Pay to charge your designated Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for any and all telephone access fees or online service fees that may be assessed by your telephone utility and/or Online Service Provider.
Your Credit Union loan accounts may not be paid by using Bill Pay, but instead may be paid by using the transfer/payment option on the Credit Union Online and Mobile Banking service or by automatic transfer from your Credit Union Checking account at no charge.
In using Bill Pay, you are requesting Bill Pay to make payments for you from your Account. If we are unable to complete the transaction for any reason associated with your Account (for example, there are insufficient funds in your Account to cover the transaction and you have standard overdraft privilege), the transaction will not be completed. In these cases, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established and published fees. Further, you also agree that a NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Account. If you have extended overdraft privilege on your account, we will authorize and pay overdrafts for automatic bill payments. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
By enrolling and using the Bill Pay service you agree that 1STCCU has the right to transfer funds from your available balance on your all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.
The terms of this Agreement, applicable fees and service charges may be altered or amended by the Credit Union from time to time. In such event, we send notice to you at your address of record or by secure electronic message via the Online and Mobile Banking service. Any use of Bill Pay after we send you a notice of change will constitute your agreement to such change(s). Further, we, 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 Credit Union reserves the right to terminate this Agreement as to all such prior versions of the Bill Pay programs, services, and/or related material and limit access to recent revisions and updates.
In the event you wish to discontinue Bill Pay you must contact the Credit Union in writing, email, phone, (404) 832-5800 at least 10 days prior to the next scheduled payment. Written notice must be signed and sent to:
1st Choice Credit Union
315 Auburn Avenue
Atlanta, Georgia 30303
The Credit Union may terminate Bill Pay to any individual at any time with cause, but without advance notice. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement. Any payment(s) we have already processed before the requested cancellation date will be completed. All Scheduled Payments including recurring payments will not be processed once Bill Pay is cancelled.
We reserve the right to refuse to pay any person or entity to which you may direct a payment.
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 us. No delay or omission on the part of the Credit Union 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.
WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SERVICE OR THE BROWSER, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES. WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES BECAUSE OF FAILURE OR DELAY IN THE DELIVERY OR PROCESSING OF ANY PAYMENT, NOT CAUSED BY US. TO THE EXTENT PERMITTED BY APPLICABLE LAW OR REGULATION, WE DO NOT WARRANT YOUR EQUIPMENT, THE SOFTWARE OR THE BROWSER OR THAT THEY ARE MERCHANTABLE OR FIT FOR A PARTICULAR PURPOSE, OR OTHERWISE, AND WE HEREBY DISCLAIM ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES. ANY PROBLEMS WITH YOUR EQUIPMENT, THE SOFTWARE OR THE BROWSER MUST BE RESOLVED DIRECTLY WITH THE MANUFACTURER OR OTHER SUPPLIER. WE DO NOT WARRANT THAT YOUR USE OF THE SERVICE WILL BE UNINTERRUPTED OR THAT OPERATION OF THE SERVICE WILL BE ERROR FREE OR SECURE.
In case of errors or questions about your transactions, you should notify us as soon as possible via one of the following:
Telephone us at (404) 832-5800
Write us at:
1st Choice Credit Union
315 Auburn Avenue
Atlanta, Georgia 30303
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:
Tell us your name and Service account number. 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. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error has occurred 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 to sixty (45-60) days to investigate your complaint or question. We will tell you the results after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
Online Banking, Mobile Banking, Bill Pay and External transfer services are generally available 24 hours a day, 7 days a week. The system may be temporarily unavailable from time to time for maintenance, due to high Internet traffic volume, or for other reasons beyond our control. If this happens, please try your transaction again later. We are not responsible for any delays you have in accessing or using Online Banking, Mobile Banking, Bill Pay or External transfer service.
Remember that if you give someone your User ID and Password, you are authorizing them to use Online Banking, Mobile Banking, Bill Pay and External transfer service and you are responsible for all transactions they perform until you tell us to change or cancel your User ID and Password. This is true even if the person exceeds the scope of permission you gave them to use your accounts. We are not subject to agreements that you make with other people limiting their use of your accounts.
With respect to your use of Online Banking, Mobile Banking, Bill Pay, we will disclose information about your accounts and the transfers you make to third parties (a) when necessary to complete transfers; (b) to verify the existence and condition of your account for a third party such as a credit bureau or merchant; (c) to comply with a governmental agency or court order; (d) if you give us written permission; (e) if necessary to fulfill agreements between us and our third party Online Banking, Mobile Banking, Bill Pay and External transfer service providers; or (f) if it involves a claim by or against us in connection with a deposit to or withdrawal from your account.