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e-Bill Pay

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Pay your bills through the internet using our secure e-Bill pay service. Set up recurring payments, recurring variable amount payments, or one-time-only payments. e-Bill Pay lets you review and authorize every payment before it is paid. So, put away those stamps and forget running to the post office. You must have a share draft (checking) account in good standing in order to use e-Bill Pay. Once you have enrolled in the service - additions, changes or deletions to your merchant list may easily be done online. Pay practically anyone using e-Bill Pay & charge accounts, utilities, loans, even your doctor or daycare center. For your protection, e-Bill Pay is password protected and utilizes the most up-to-date internet security technologies. To enroll in e-Bill Pay, call the call center at 888.252.8932 or speak with an FSR at any branch.

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Fees: For members who have direct deposit, e-Bill Pay is free. For members who do not have direct deposit, e-Bill Pay is free for the first six months and have their share draft account debited $6.00 per month for unlimited use of the e-Bill Pay service after the initial 6 month period. e-Bill Pay is free for members at Ambassador or Presidential levels of HFCU's Relationship Rewards program.

Enrollment and Activation:
You can enroll online, by phone or at any branch. Once you are enrolled, you may click on e-Bill Pay and set up the merchants you would like to pay. Each merchant accepted for bill payment will be assigned a merchant code. To include a payment for a new merchant, you must click the "Add a Merchant" button. Most other additions, changes or deletions may be made through e-Bill. You receive acknowledgment, from e-Bill.

Payment Types:
Monthly recurring
Variable (changed amount)
One time payment
Variable payments: Processing will occur on the business day designated (except holidays), provided the payment request is received prior to the cut-off time of 4:00 P.M. Variable-Bill payments requested after the cut-off time or on a non-business day will be processed on the next business day.

Recurring payments: Payments designated for processing on the 28th through the 31st will have processing initiated on the last day of the month. Otherwise, recurring payments will be processed on the day requested, unless that day is a non-business day.

Payment lead time: The subscriber must allow at least five (5) business days for each bill payment (recurring or variable) to reach the merchant.

Available Funds: The credit union reserves the right to reject or reverse a bill payment if funds are not available in the share draft account and you may be liable for an NSF fee. The credit union may charge any account to satisfy a Bill Pay obligation. Click here for a complete list of fees.

Payment Changes/Cancellations: Changes or cancellations to any Bill Payment will be processed, provided the request is received prior to 4:00 P.M. on the business day prior to the business day the-Bill Payment is to be initiated.

Payment Restrictions: No payments may be sent to the following:
- The IRS and other tax entities
- Outside the U.S.
- A court or judicial system

Hours of Operation: The e-Branch Bill Pay service is available 24 hours a day, 7 days a week.

Account Reconciliation/History: Bill Pay transactions settled to the Share Draft account are described as follows: Merchant Name-Bill Pay. For example, a payment to Verizon would show as Verizon Bill Pay.

You may also view pending bills and recently paid bills using the appropriate buttons in Bill Pay.

Contacting e-Bill Pay: In addition to our 800 number, you are able to contact an e-Bill customer service rep via e-mail (subscriberservices1@billpaysite.com) by clicking on the "contact us" button in Bill Pay. Do not submit any personal information by e-mail.

e-Bill Pay Disclosure - BILL PAYING AGREEMENT

This is your bill paying agreement with the Heritage Family Credit Union. You may use-Bill Pay, to direct the Credit Union to make payments from your designated checking (account) to the Merchants you choose in accordance with this agreement. The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who signs the-Bill paying enrollment form or is otherwise authorized to use-Bill Pay. "Merchant" means anyone, excluding the Credit Union, you designate and the Credit Union accepts as a payee.

How to Set Up Merchants/Payments: Complete a bill paying enrollment form and submit it to the credit union for processing and approval. Once approved, you are required to submit Merchant information to Bill Pay on all of the Merchants to whom you want payments to be made. TO ADD NEW MERCHANTS TO YOUR LIST OF AUTHORIZED PAYEES, USE THE "ADD MERCHANT" BUTTON ON THE INTERNET. Only after a Merchant is approved may you begin processing your payment. Each Merchant accepted by the Credit Union will be assigned a merchant code. The Credit Union is not responsible if a Bill Payment cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a Merchant or if you attempt to pay a Merchant that is not on your Authorized Payee list. You may add a new fixed payment to a Merchant, only if the Merchant is on your authorized list of payees, and by accessing Bill Pay and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using Bill Pay. The Credit Union reserves the right to refuse the designation of a Merchant for any reason. (PLEASE NOTE: YOU CANNOT PAY HFCU LOANS THROUGH BILL PAY)

Accessing Bill Pay: Once you are enrolled in Bill Pay, access will be set up through e-Teller home banking. This single sign-on feature takes away the need to remember a separate user id and password.

The Bill Paying Process: The Credit Union will process variable payments on the business day (generally Monday through Friday, except holidays) you designate the-Bill is to be processed, provided the payment request is received prior to the cut-off time set by the Credit Union, which is currently 4:00 p.m. EST. Variable-Bill requests received after the business day cut off time, or at any time on a non-business day will be processed on the next business day. The Credit Union reserves its right to change the cut-off time by giving you notice.
FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed on the next business day.
YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS FOR EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. (IT IS THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS)
You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all Bill Payments requested, as well as, any other payment obligations you have to the Credit Union. The Credit Union reserves the right, without liability, to reject or reverse a Bill Payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Credit Union has not exercised its right to reverse or reject a Bill Payment, you agree to pay for such payment obligations on demand as well as the current non-sufficient funds fee. You further agree the Credit Union, at its option, may charge any of your accounts with the Credit Union to cover such payment obligations.
Any Bill Payment can be changed or canceled, provided you access Bill Pay prior to the cut-off time on the business day prior to the business day the-Bill Payment is going to be initiated.

Liability: You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN). You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify the Credit Union and arrange to change your PIN. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. The Credit Union is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. The Credit Union is not liable for any failure to make a Bill Payment if you fail to promptly notify the Credit Union after you learn that you have not received credit from a Merchant for a Bill Payment. The Credit Union is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Credit Union's agent. In any event, the Credit Union will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or Bill Pay, even if the Credit Union has knowledge of the possibility of them. The Credit Union is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Credit Union's reasonable control.

Amendment and Termination: The Credit Union has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on the Credit Union's records, by posting notice in branches of the Credit Union, or as otherwise permitted by law.
The Credit Union has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to the Credit Union. The Credit Union is not responsible for any fixed payment made before the Credit Union has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by the Credit Union on your behalf.

Fees: First 6 months are free! The fee for the-Bill Paying Service is $6.00 per month. Usage is unlimited.
These charges will only be assessed if you request one or more of the services listed here. There will be NO Charge for any item if needed to correct a Credit Union error.
Written Correspondence to Merchant...........................................................$20.00
Per proof of Payment not necessitated by a dispute.......................................$20.00
Payments returned due to customer error......................................................$10.00
The Credit Union reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred.



To sign up for e-Bill Pay, please call us at 888.252.8932.
 
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