Online Home Banking / Bill Payer

Online Home Banking/Bill Pay Disclosure
The following limitations on Online Banking transactions may apply in using the services listed above:

Transfers
You may make funds transfers to other accounts of yours as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one month. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

You may schedule to make future transfers of funds between your accounts. However, any future transfers will be subject to any applicable limitations on account transfers and the availability of funds in your account. If you do not have available funds or if the transfer will exceed the account limitations, the transfer will fail and we will provide a failed transaction message the next time you login to Home Banking.

Account Information
The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for ATM transactions and our Funds Availability Policy.

E-Mail
The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you should call the Credit Union at 509-328-2900 or toll free at 1-800-541-4310.

Bill Payments
You may authorize new payment instructions or edit previously authorized payment instructions for bill payments that are either periodic and nonrecurring (i.e. payments on merchant charge accounts that vary in amount) or automatic and recurring (i.e. fixed mortgage payments). When you transmit a bill payment instruction to us, you authorize us to transfer funds to make the bill payment transaction from the account you designate. The Credit Union will not process any bill payment transfer if the required transaction information is incomplete. If there are insufficient funds in your checking account to make the bill payment request, we will not pay the bill on the date you scheduled it to be paid. Should you have overdraft protection available, we will transfer funds and charge a $3.00 transfer fee, yet, payment of the bill will be delayed by up to three (3) business days. The Credit Union reserves the right to refuse to process payment instructions that reasonably appear to the Credit Union to be fraudulent or erroneous.

It is your responsibility to schedule your bill payments in such a manner that your obligations will be paid on time. You should instruct the bill payment system to pay your bills at least six (6) business days before they are due. Payments will be sent either electronically or by check. You are responsible for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely payment authorization. Our processing dates are Sunday through Thursday. The Credit Union will withdraw the designated funds from your account for the bill payment transfer by midnight on the date you schedule for payment, except for Friday and Saturday. Bills that are selected to be paid on these days will be debited from your account Sunday evening. The contracted vendor of the Credit Union will process your payment within two (2) business days from the date you schedule your payment.

You may cancel or stop bill payments under certain circumstances. If you discover an error in or want to change a payment instruction (i.e. payment date or payment amount) for a payment you have already scheduled for transmission through the Online Banking service, you may electronically edit or cancel your payment request through the Online Banking service. Your cancellation request must be entered and transmitted through the Online Banking service before the date you have scheduled for payment. If your request is not timely entered, you will be responsible for the payment. If you wish to place an oral stop payment on a payment transaction, not using the Online Banking service, the Credit Union must receive your oral stop payment request at least three (3) business days before the next payment is scheduled to be made. You may call the Credit Union at 509-328-2900 or toll free at 1-800-541-4310 to request a stop payment. If you call, the Credit Union may require you to confirm your stop payment request in writing within 14 days after the call.

Stop Payments
Stop Payment requests will be accepted only if the Credit Union has a reasonable opportunity to act on such a stop payment order. NO STOP PAYMENTS WILL BE ACCEPTED BY THE SERVICE FOR ACH ITEMS. If a payment was made by check, and it has not yet cleared, we can attempt to place a stop payment on that check. The fee for placing a stop payment on a bill payment by check is $10.00.

The Service and the Credit Union will use their best efforts to make all payments properly. However, the Service and/or the Credit Union shall incur no liability if they are unable to complete any payments initiated by you through the online Bill Payment service because of the existence of any one or more of the following circumstances:

If, through no fault of the Service and/or Credit Union, your checking account does not contain sufficient funds to complete the payment.
If the estimated time to allow for delivery to the Payee is inaccurate.
If the service is not working properly and you have been advised by the Service about the malfunction before you execute the transaction. 4) If the Payee mishandles or delays a payment sent by the Service.
If you provide incomplete or incorrect payee information, changes of Payee addresses or account numbers for those Payees to whom you wish to direct payment.
If circumstances beyond the Service's and/or Credit Union'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 and the Credit Union have taken reasonable precautions to avoid those circumstances.
You agree to the Bill Payment Fees Schedule, as described in the sign up process. You may only change your bill payment option once per year. We reserve the right to change the fees with 30 days notice. All payments made through the online Bill Payment service must be payable in U.S. dollars.

Enrollment Request for Online Bill Payment Service.
Spokane Federal Credit Union reserves the right to refuse enrollment in the Service to any member who does not meet the criteria established by the Credit Union and/or the Service.

Return to Home Banking Sign-up Application