Using The Bill Pay Service
To access and use the Bill Pay service, go to csbjc.com and sign in to Internet Banking. The following types of bill pays may be set up using the Bill Pay service:
Manual Payment: You may request a payment to be delivered one (1) time to a Payee. If the website indicates that the Payee can support electronic payments, you must enter the request before the Cutoff Time at least three (3) Business Days before the Deliver By Date. If the website indicates that the Payee can support only payments made via check, you must enter the request before the Cutoff Time at least five (5) Business Days before the Deliver By Date.
Recurring Payment: You may schedule payments to Payees to be automatically delivered in a fixed amount on regular intervals. If the Deliver by Date does not exist in a certain month, then the payment will be delivered on the last Business Day of the month. For example, if you schedule a payment for the 30th of each month, your payment for the month of February will be delivered on or before the 28th of February. If the Deliver By Date of an automatic payment falls on a weekend or holiday, that payment will be rescheduled to the latest preceding Business Day.
The amount of any Manual Payment or Recurring Payment shall not exceed $9,999.00. You will be provided a confirmation number for each payment you schedule using the Bill Pay service. The reference number will help us resolve any questions you may have concerning your transactions.
Payments are Sent to the Payees you designate on your behalf either by electronic funds transfer, or by mailing your Payee a check. For payments made via electronic funds transfer, we will withdraw the applicable funds from your designated Funding Account on the Send On Date. Electronic payments will take three (3) Business Days to deliver the payment to your Payee. For payments made via paper checks, we will withdraw the applicable funds from your designated Funding Account on the Send On Date. Check payments will take five (5) Business Days to deliver the payment to your Payee. Please note the Payment Method accepted by your Payee at the time you schedule the payment. The Payment Method for a Payee is subject to change. If a Payee no longer accepts electronic payments, or the payment encounters delivery errors, payments to that Payee will be delivered by paper check. Additionally, if a Payee no longer accepts electronic payments, the Send On Date will need to be changed to five (5) Business Days before the Deliver By Date for all subsequent payments and for the most current if the Payee provides us with sufficient notice. If a Payee begins accepting electronic payments, payments to that Payee will be processed electronically and the Send On Date will need to be changed to three (3) Business Days before the Deliver By Date for all subsequent payments. In addition, if an electronic payment is undeliverable the payment may be Re-submitted by check. We will notify you via e-mail of these Payment Method changes. Please note that, in some situations, if a payment is scheduled to be sent electronically to a Payee who can no longer process payments using the Payment Method in which it was Sent, then that payment may be late.
By submitting Payment Instructions, you agree to have sufficient funds in your Funding Account on the Send On Date for each payment you schedule. If you submit Payment Instructions and do not have sufficient funds in your account on the Send On Date, you will be charged an NSF fee. The Bank will automatically try to debit your account up to two (2) more times on the two (2) succeeding Business Days. After the 3rd attempt the Bank will immediately block the bill pay account. This means no more bill payments will be paid or set up from this account until the end user resolves the NSF. If the end user has multiple funding accounts, only the NSF account will be blocked. The account will remain blocked for 5-10 days. The Bank, at its discretion, may have the account unblocked earlier. The Bank will close a bill pay account if collection of debit returns is unsuccessful or if fraudulent activity is identified.
While it is anticipated that most transactions will be delivered by the Deliver By Date, it is understood that due to circumstances beyond our control, particularly delays in handling and posting payments by slow responding Payees or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your Payee account. The Send On Date that you enter must be before the bill's actual due date, not the late date and/or a date in the grace period. The Send On Date must be 3 days before due date for electronic payment and 5 days before the due date for check payments. Payment Instructions entered after the Cutoff Time or on non-Business Days will be considered entered in the Bill Pay service on the next Business Day.
We will use commercially reasonable efforts to deliver all of your payments in accordance with your Payment Instructions. However, we shall incur no liability because of the existence of any one or more of the following circumstances:
If, through no fault of ours, any designated Funding Account does not contain sufficient funds to complete the transaction or would exceed the credit limit of your overdraft account;
The Bill Pay service or Internet Banking is not working properly and you know or have been advised by us through the communication method of our choosing about the problem before you execute the transaction;
The Payee mishandles or delays processing a payment sent by us;
You have not provided us with the correct name, address, phone number, or account information for the Payee, or you have not provided us with accurate personal information, or you have otherwise provided incomplete Payment Instructions; or, When we receive a Payment Instruction, you authorize us to debit the Funding Account you designate for that payment and remit funds to the Payee on your behalf.
Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.
Provided none of the foregoing five (5) exceptions are applicable, if we cause an incorrect amount of funds to be removed from any designated Pay From Account or cause funds from any designated Pay From Account to be directed to a Payee which does not comply with your Payment Instructions, we shall be responsible for returning the improperly transferred funds to the originating Pay From Account and for directing to the proper Payee any previously misdirected transactions.