Bill Pay Terms and Conditions

Please review the Terms and Conditions for Bill Pay and click the "I Agree" link at the bottom of this page to initiate a download of our application form.

By enrolling in Isabella Bank's NetTeller Bill Payment Service ("Bill Payment"), you agree to the addition of the following to the Terms and Conditions for Personal Accounts or for Business Accounts (in either case, the "Rules") governing your Accounts. Terms not otherwise defined have the meanings given to them in the Rules. Bill Payment allows you pay bills and send money to other people using a personal computer or other access device ("PC"). Please read these additional rules carefully and retain them for your records. We have the right to change the Rules at any time by notice mailed or e-mailed to you at the last address or e-mail address shown for your Designated Checking Account on our records as provided in the Rules, or as otherwise permitted by law.

In order to enroll in Bill Payment, you must also be enrolled in NetTeller Internet Banking. All of the rules applicable to Internet Banking are also applicable to Bill Payment, except as otherwise provided below.

Section 1. Definitions
"Designated account" means the Isabella Bank checking account out of which funds will be taken to pay bills. This account may not have any transaction restrictions either established by you or under regulatory requirements. "Business days" are Monday through Friday, except bank holidays. "You" and "yours" refers to the person(s) or entity subscribing to or authorized to use NetTeller Bill Payment. "We", "us", and "our" refer to Isabella Bank and any agent, independent contractor, designee, or assignee that Isabella Bank may, in its sole discretion, involve in the provisions of Internet Banking services including but limited to Jack Henry & Associates, Incorporated. The word "Payee" means an individual or business that you designate to receive one or more payments. "Payment Date" means the scheduled date on which a Bill Payment is initiated. Other definitions appear within the text of these Terms and Conditions.

Section 2. Eligibility
You must complete an application form, sign it, and return it to us. By signing the application, you acknowledge receipt and acceptance of the Terms and Conditions and agree to be bound by the same. The Terms and Conditions may be amended from time to time by notice mailed or e-mailed to you at the last address or e-mail address shown for your Designated Account.

To access Bill Payment, you must have a qualified checking account with us that you designate on your application form. As stated in Section 1, this account may not have any transaction restrictions. Also, this account may be required to meet our credit criteria.

If you wish to change your Designated Account, we request that you provide us with ten (10) business days advance written notice. After changing your Designated Account, anyone having access to your NetTeller Internet Banking service and Bill Payment service will have access to the new Designated Account. If you do not want this, you must close your existing Internet Banking and Bill Payment services and reapply.

Section 3. Access
Anyone with access to your NetTeller ID and PIN will be able to access Bill Payment and perform all transactions including making transfers or payments to other persons. For this reason, these numbers should not be stored on a computer since other individuals may have access to the computer and be able to make unauthorized transfers or payments.

You must notify us immediately if you think your NetTeller ID number or PIN has been lost or stolen.

Generally, Bill Payment is available 24 hours a day, 7 days a week, except during maintenance periods. We are not liable under this Agreement for failure to provide access due to a system failure or other unforeseen acts.

Section 4. Setting Up Payments
You may make payments through Bill Payment to any business, merchant, or professional that generates a bill or invoice for products or services provided to you or on your behalf and that has a U.S address and phone number ("Business Payee"). You also may make payments through Bill Payment to individuals, family, or friends for non-business purposes. Payments may be made only to payees with a U.S. payment address. You may not make a payment of alimony, child support, taxes, or any other governmental fees or court-directed payments through Bill Payment.

You must provide sufficient information about each payee ("Payee Information"), and such other information as we may request from time to time, to properly direct a payment to that payee and to permit a Business Payee to identify the correct account ("Payee Account") to credit with your payment. This information may include, among other things, the name and address of the payee and your Business Payee account number. Your Payee Information and any additions, deletions, and changes to Payee Information are entered directly on your PC. Your Payee Information can be retrieved at your convenience. Because there is always a possibility that the Payee Information may be lost or accidentally destroyed, you should keep a copy of your Payee Information somewhere other than your PC, so that you may readily retrieve it.

You may have up to 99 payees. From time to time, we may change the number of payees you may designate to receive payments through Bill Payment.

After creating an online bill payment, you will receive a confirmation number. You should record this confirmation number in your records because it will help us resolve any questions you may have concerning a payment.

Section 5. Scheduling Payments
All payments are made from your Designated Checking Account. To schedule a payment, you must provide the name of your payee, the amount of your payment, and the date or dates on which you want your payment to be initiated. Any attempted payment that exceeds the current balance in your Designated Checking Account may be rejected.

You may not schedule duplicate payments. A duplicate payment is one that is scheduled to be made to the same payee on the same Business Day for the same amount. You may schedule multiple payments to the same payee as long as the payment amounts are different.

At the end of each Bill Payment request, you will be given a confirmation number. You should record this number in your records because it will help us resolve any questions you may have concerning the payment.

Section 6. Payment Processing
Although you can enter payment instructions through Bill Payment seven (7) days a week, 24 hours a day, excluding maintenance and other availability windows, payments will be "processed" only on Business Days. Electronic payments are deducted from your designated account within 1 business day once the payment is processed. We may remit your payments by mailing your payee a check or by an electronic payment method. Because of the time it takes to transmit your payment to your payees you should schedule a check payment 7 business days in advance of the payment due date. Electronic payments should be scheduled at least 3 business days prior to the payment due date. You should allow additional time for the first payment you send to a payee through Bill Payment to allow the payee to adjust to the new form of payment. In no case will the Bank be liable for late fees or other damages arising from failure of payments to be made prior to the payment due date of any of your accounts due with any payee.

You can tell how we will make the payment. Once you have set up the vendor or merchant, then look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.

Section 7. Insufficient Funds
We may refuse to act on your instructions if sufficient funds (including funds available under any overdraft line of credit) are not available in your designated account on the date you want us to initiate your payment.

When a payment is made by check, this check will process in the same manner as all other checks. Should this item overdraw your account it may be returned NSF to your payee and may be subject to all applicable fees.

Section 8. Timing of Payments
(a) Current Payments

Generally, NetTeller Bill Payment is available 7 days a week, 24 hours a day, except during maintenance periods. Payments can be initiated at any time. We are not liable under this agreement for failure to provide access due to a system failure or unforeseen acts.

(b) Future Payments

You may schedule payments up to 90 days in advance of the due date. If you schedule a future payment for a non-Business Day, your payment may be initiated on the previous Business Day.

You may cancel or change a future payment at any time prior to the system processing on business days which occurs at 1pm and 2 am.

(c) Recurring Payments

You may schedule payments that do not vary in amount to initiate automatically on a regular schedule of your choice. Recurring payments can have an end date of any year in the future.

If you choose a date at the end of the month that does not exist in a particular month, the payment will be initiated on the last business day of the month. If the scheduled recurring payment falls on a day, which is not a Business Day in a particular month, the payment will be initiated on the prior Business Day.

You may change the amount of the recurring payment or cancel the recurring payment altogether. To affect a payment scheduled for the same Business Day, you must do so prior to daily payment processing.

Section 9. Canceling or Changing Payments
You may use Bill Payment to change both the amount and the initiation date of any scheduled payment. A scheduled payment for the same Business Day, including recurring payments, may be canceled, changed, or rescheduled in this manner any time prior to the 1 p.m. and 2 a.m. Eastern Time processing on the scheduled initiation date.

Section 10. Reviewing Payments
NetTeller Internet Banking automatically includes records of past online bill payments as part of your account activity that can be displayed online. You can also download up to 90 days of account history.

Section 11. Statements
All of your payments made through Bill Payment will appear on your monthly Account statement(s). The payee name, payment amount, and initiation date will be reflected for each payment made through Bill Payment.

Section 12. Fees
Bill Payment is free on personal accounts that are regularly used for Internet Bill Payment. If the bill payment is not used regularly a monthly fee for Bill Payment is $3.50 and .35 cents for each payment initiated during your monthly checking cycle may be charged. Non-personal accounts will be charged for Bill Payment monthly. The monthly fee is $3.50 and .35 cents for each payment initiated during your monthly checking cycle. Your first month's regular monthly fee will be waived. These fees may be amended from time to time in accordance with the Rules. All other fees applicable to your Accounts remain in effect, for example Stop Payment fees and Overdraft fees.

Section 13. Termination of Bill Payment Service
You may terminate your use of Bill Payment at any time by writing to us at Customer Service, Isabella Bank and Trust, P.O. Box 100, Mt. Pleasant, MI 48804-0100 or you may call us at 800-651-9111 (outside the Mt. Pleasant area) or 989-772-9471 (in the Mt. Pleasant area). You must notify us at least ten (10) business days prior to the date on which you wish to terminate Bill Payment. We may require that you put your request in writing. If you have scheduled payments to occur within this ten (10) day period and do not want them to clear your account, you must also separately cancel those payments. If we have not completed processing your termination request and you have not otherwise canceled a payment, you will be responsible for payments initiated before termination.

We may terminate your use of Bill Payment in whole or in part, at any time without prior notice, except as otherwise required by law. Termination will not affect your liability for obligations under this Agreement accruing prior to the date of termination.

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