Bill Pay User Terms and Conditions
First Community Bank hereby publishes the following terms and conditions for User's use of bill payment services via telephone, personal computer or any other device as may be offered by First Community Bank. First Community Bank reserves the right to modify these terms and conditions at any time, effective upon publication. User's use of bill payment services constitutes agreement to these terms and conditions and any modifications thereof.
- User agrees to accurately follow product use instructions provided in the on-line tutorial (or contained within the User guide provided).
- User agrees to schedule bill payments (payment transaction date) at least five business days before the due date, not including any grace period. A "Business day" shall mean Monday through Friday, excluding Federal Banking holidays.
- User agrees to provide correct payee name, address, account information and payment amount.
- User agrees to maintain sufficient funds in funding account on the transaction payment date requested.
- User agrees to notify First Community Bank or its authorized agent no later than 60 days after User receives the FIRST statement on which User believes a problem or error occurred.
- User acknowledges that First Community Bank or its authorized agent will use all reasonable efforts to resolve an issue within 10 business days. If an issue is reported orally, User may be required to send the complaint or question in writing within 10 business days. Results of the investigation will be communicated within 3 business days after it finishes its investigation. If First Community Bank or its authorized agent needs more time they may take up to 45 days (90 days for Check Card transactions not performed at an ATM, foreign-initiated EFTs or new accounts) to investigate your complaint or question. If the Bank decides to do this, the Bank will provisionally credit the user's account within 5 business days for the amount the User believes is in error. If we ask the User to put the complaint or question in writing and we do not receive it within 10 business days, we may reverse the provisional credit. If we determine there was no error and we provided you with provisional credit, this credit will be reversed.
- Your use of the Bank's EFT services is subject to this Disclosure and Agreement, the Bank's terms and conditions for deposit accounts and all other terms and conditions applicable to your accounts, including any future changes the Bank makes to those agreements. If there is a conflict between the terms of this Disclosure and Agreement and the other agreement, the terms in this Disclosure and Agreement will prevail.
- There is no monthly fee for Bill Payment.
This service may not be used to transmit alimony, child support or other court directed payments or tax payments.
To stop a bill payment originated in Internet Banking, you must contact technical support for assistance. Please refer to the numbers indicated above or on the website. Fees apply.
BILL PAYMENT CUTOFF TIME - Bill payments must be entered and transmitted to the bill payment processor prior to 5:00 PM, Central Standard Time in order to ensure that the payment process will begin on the same day.
Your account will be debited on the first business day following the date you have indicated for designated payment. The funds must be in your account and available for withdrawal at that time. If funds are not available for withdrawal as directed, the Bank may revoke your bill payment service.
The payee will receive payments designated as "electronic" within 3 business days after the funds have been withdrawn from your account.
Payments that are designated as "check" will be received when delivered by the US Postal Service. The Bank has no authority or control over "check" issued payment delivery times.
You must schedule your payments long enough in advance of the date you want the payment to be received by the payee to allow for the processing and transmission of the payment either through an Automated Clearing House (ACH) or by check drawn by the bill payment processor and sent through the United States Mail. It is recommended that you allow at least 5 business days between the date you specify for the payment to be made and the due date, not counting any grace period.
You must be careful when selecting the account from which the payment is to be made and when inputting the payee's name and address, as neither the Bank nor the processing company will check for accuracy.
You agree not to use the Bank's Bill Payment service for payments made to or through a federal, state or local court or agency (fines, taxes, fees, etc.). These payees are often not equipped to properly handle electronic payments or a payment not accompanied by coupon or similar device. You also understand that the Bank has no obligation to monitor your compliance with this requirement and is not liable for any payments to these payees which are not processed timely or properly.
The authorized user prior to the service being terminated must delete all recurring bill payments. Failure to do so may result in the continuation of the scheduled payments.