Bill Payer Agreement

As part of the FirstACCESS Online Banking, you can schedule payment of your periodic bills. You can arrange for the payment of current, future and recurring bills from your First Federal Community Bank "checking account". There is no limit to the number of payments that may be authorized. You may pay any merchant or individual approved by First Federal Community Bank. By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instructions to these payees/merchants that you provide through Online Banking. When we receive a payment instruction (for current or future date), we will remit funds to the payee on your behalf, from your designated checking account, on the day you have instructed the payment to be sent (Payment Date). However, we shall not be obligated to make any such payment unless your account and/or overdraft protection plan has sufficient funds or credit availability to pay the bill on the Payment Date. You must have the funds on account before the end-of-business one business day prior to the Send Date.

Any payments made through Bill Payer require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment far enough in advance of the due date of your payment. First Federal Community Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, First Federal Community Bank will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. First Federal Community Bank will not be liable for delays or losses of payments caused by the U.S. Postal Service or other delivery service. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. First Federal Community Bank will not be liable for bill payments not completed due to circumstances beyond our control (such as fire, telecommunication outages, strikes, or natural disasters). First Federal Community Bank will not be liable for indirect, special, or consequential damages arising out of the use of Bill Payment. First Federal Community Bank will not be liable if a payee will not accept payments made through Bill Payer.

First Federal Community Bank reserves the right to terminate your use of Bill Payer at any time without prior notice.

Bill Payer Fees

FirstACCESS Online Banking with Bill Pay is offered as a free service to our customers; however, there are additional features and services, such as, but not limited to Business Banking, Stop Payments, etc., the use of which may incur fees, are outlined expressly in documentation received at the opening of the account and also apply to transactions conducted over the FirstACCESS Online or Telephone Banking products.

Bill Payer - Stop Payments and Modified Requests

To stop payment of a Bill Payer item after it has been disbursed, you are required - prior to the item being presented for payment either through the Stop Payment area of our website or by contacting a Customer Service Representative at your First Federal Banking Center. If you call, we may also require you to put your request in writing and submit it to us within 14 days after your call. We will charge you our regular stop payment fee for each stop payment order you give; this fee will be charged in accordance with our current fee schedule. The following information will be required to complete each stop payment request:

  • Account Number
  • Payee
  • Amount
  • Payment Date
  • Reason for the Stop Payment