INTRODUCTION
Brazos Star Credit Union is proud to offer our Online Bill Pay service to our members who have a share draft checking account. This service and related fees are based on usage. Brazos Star’s Bill pay service is free when you sign up to access the Bill Pay service. There is no charge for this valuable service when you actively use it. Members must use this service at least once every three consecutive months in order to avoid an inactivity fee of $10.00.

There will be a $10.00 fee for each month after the introductory free period that you do not use the service.

AGREEMENT AND DISCLOSURE
This is your bill paying agreement with Brazos Star Credit Union. This free service is only available to those Credit Union Members who maintain a share draft checking account at Brazos Star. Online bill pay services are not available on non-transaction accounts (share/savings accounts).

You may use Brazos Star Credit Union bill paying service, Online Bill Pay, to direct Brazos Star 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 (The Account Rules and the credit union’s Membership and Account Agreement).

“You” or “Your” means each person who is authorized to use the service. “Payee” means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a “Payee”.

HOW TO SET UP PAYEES/PAYMENTS

• If you want to add a new payee, select the “Payee” tab located in your Bill Pay application or speak to a service representative.
• You may add a new fixed payment to a payee 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.
• The Financial Institution reserves the right to refuse the designation of a payee for any reason.
• You may pay any payee within the United States (including U.S. territories and APO’s).
• Brazos Star Credit Union is not responsible for payments that can not be made due to incomplete, incorrect, or outdated information.

THE BILL PAYING PROCESS
Single Payments – a single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s process date provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by Brazos Star Credit Union, is currently 2PM CST.

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 date (generally weekends and certain holidays) as the payment’s process date, the payment will be processed on the first business day following the designated process 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 process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

• If the recurring payment‘s “Pay Before” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
• If the recurring payment’s “Pay After” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.

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 process date, then the last calendar day of that month is used as the calculated process date.

SINGLE AND RECURRING PAYMENTS
The system will calculate the estimated arrival date of your payment. This is only an estimate; please allow ample time for you payments to reach your payees.

CANCELLING A PAYMENT
A bill payment can be changed or cancelled, anytime prior to the cut-off time on the scheduled process date.

AVAILABLE FUNDS
You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution.

• The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement.
• If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand.
• You further agree that Brazos Star Credit Union, at its option, may charge any of your accounts at Brazos Star to cover such payment obligations.

Brazos Star Credit Union reserves the right to change the cut-off time. You will receive notice if it changes.

LIABILITY

• You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority.
• If you want to terminate another person’s authority, you must notify the Financial Institution.
• You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
• Brazos Star 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.
• Brazos Star Credit Union is not liable for any failure to make a bill payment if you fail to promptly notify Brazos Star after you learn that you have not received credit from a payee for a bill payment.
• Brazos Star 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 Brazos Star’s agent.
• In any event, Brazos Star Credit Union will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if Brazos Star has knowledge of the possibility of them.
• Brazos Star Credit Union is not liable for any act, failure to act, or delay in acting if it is caused, in whole or in part, by any cause beyond Brazos Star’s reasonable control.

AMENDMENT TERMINATION
Brazos Star Credit Union has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on Brazos Star’s records, by e-mail or by disclosure on our website, or by posting notice on the Brazos Star Credit Union premises, or as otherwise permitted by law. • Brazos Star Credit Union has the right to terminate this agreement at any time. • You may terminate this agreement by written notice to Brazos Star Credit Union. • Brazos Star Credit Union is not responsible for any fixed payment made before Brazos Star has a reasonable opportunity to act on your termination notice. • You remain obligated for any payments made by Brazos Star Credit Union on your behalf.

SERVICE FEES
These are additional charges for customer requested services and other items. There will be no charge for any item if needed to correct an error by Brazos StarCredit Union.

• Written Correspondence to payee : $10.00
• Per proof of payment not necessitated by a dispute: $10.00
• Payments returned due to customer error: $5.00
• Reinstate Fee: $50.00
• Cancellation Fee: $7.50
• ACH Return Fee: $10.00
• Express Mail correspondence: $15.00
• Overdraft Fee: $30.00

MISCELLANEOUS PRODUCT FEES

• Overnight Fee: $14.95
• 2nd Day Fee: $9.95
• Charitable Donations: $1.99
• Gift Pay: $2.99

Brazos Star Credit Union reserves the right to charge you for research time involving payments no longer available in your screen history. Please review the credit union’s current Rate and Fees Schedule for additional information.

You will be informed of any such charges before they are incurred. Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement included, or received when you opened your account, which discloses important information concerning your rights and obligations.