Account Access
You may access your account(s) by computer 24 hours a day using Internet Access, a user ID number, and password to:

• Transfer funds from checking to savings
• Transfer funds from checking to checking
• Transfer funds from statement savings to checking
• Transfer funds from statement savings to statement savings
• Make payments from checking to loan accounts
• Make payments from statement savings to loans

Get information about:

1. The account balance of checking accounts
2. Current statement transactions from checking accounts
3. The account balance of savings accounts
4. Current statement transactions from statement savings accounts

Designation of Primary Account
In order to use St. Jean’s Credit Union’s Internet Branch for bill payment, you must have a checking account with the Credit Union. The checking account must be designated as your “primary” account on your application and will be treated as the “primary” account for Bill Payment transactions processed through St. Jean’s Credit Union’s Internet Branch Services available. The St. Jean’s Credit Union’s Internet Branch service allows you to:

1. Access your primary checking account to pay most bills
   (if Bill Payment is available)
2. Transfer funds electronically; between statement accounts
3. Obtain account information
4. Obtain certain product and service information
5. Make certain types of loan payments

General Information about St. Jean’s Credit Union’s Internet Branch

You may use St. Jean’s Credit Union’s Internet Branch virtually anytime, day or night, 7 days a week. Customer service is available by calling us at the Credit Union. However, St. Jean’s Credit Union’s Internet Branch may be temporarily unavailable due to record updating, or technical difficulties. In addition, the Credit Union makes St. Jean’s Credit Union’s Internet Branch with Bill Payment (if offered) available pursuant to a license agreement between the Credit Union and a third party vendor (herein referred to as ‘processor’). Any interruption of service or access caused by our processor will also prevent your use of the service. To use the services, you will need to enter your assigned password and otherwise satisfy the system’s security features.

Bill Payment Transaction Procedures

This Agreement applies to your use of the Bill Payment feature of our Internet Branch Service. Bill Payment allows you to pay bills using a personal computer, scheduling one-time or recurring payments to any payee (except the IRS, Government, or court directed payments). This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms “you” refer to each depositor on an account used in connection with Bill Payment, and the terms “us”, “we” and “our” refer to St. Jean’s Credit Union.

Bill Payments may be processed in two (2) different modes, Single and Recurring. A Single payment is paid one (1) time specified by entering a date in the date field. Single payments may be scheduled only on days the Bill Payment processor processes, which are Monday through Saturday, excluding Federal Reserve Holidays. Scheduling deadline for entering a payment to be included in the following days processing is 11:00 pm CST. Sufficient funds must be available on the day you have requested for processing. Pending payments may not be edited or deleted after the Bill Payment processor initiates processing at 11:00 pm CST.

A Recurring payment is paid multiple times on a regular basis. Payment frequency options include weekly, biweekly, monthly, semi-monthly, quarterly, semi-annually and annually. Final Payment Date designates the final payment of a recurring payment. Scheduling deadline for entering a payment to be included in the following days processing is 11:00 pm CST. Sufficient funds must be available on the day you have requested for processing. Pending payments may not be edited or deleted after the Bill Payment processor initiates processing at 11:00 pm CST.

Editing, Deleting or Stopping Bill Payments/Authorized Payments

You may edit one or more pending payments by selecting the appropriate fields from the Bill Payment menu. Pending payments cannot be edited later than 11:00 pm CST on the process date. If you do not accurately complete the appropriate instructions prior to that time, we may process the transaction. Only pending payments may be edited.

You may delete one or more pending payments by selecting the appropriate fields from the Bill Payment menu. Pending payments cannot be edited later that 11:00 pm CST on the process date. If you do not accurately complete the appropriate instructions prior to that time, we may process the transaction. Only pending payments may be deleted.

Only pending payments may be edited or deleted. Pending payments must be edited or deleted prior to the initiation of processing by the Bill Payment Processor, which is 11:00 pm CST on the process date. After the payment is send, the only way to change the payment is to initiate a stop payment (for check payments only, payments remitted electronically cannot be stopped). For stop payment requests initiated after processing, you must contact the Bill Payment Processor Customer Support at (800) 823-7555.

Fees for Bill Payment

Refer to our fee schedule posted in the Credit Union lobby or in our fee schedule posted on our website.

Account Designation and Payees.

Processing.

Funds will be taken out of your primary checking account on the Scheduled Processing Date entered by you. In many cases, your Bill Payments are electronically delivered to the payee within three (3) business days after the Scheduled Processing Date. However, some payees are not set up to accept electronic payment. In these cases, a check will be sent, which may take up to five (5) business days to process and deliver to the payee. Please allow sufficient time (3 to 5 business days) for our processor to receive your request and process the Bill Payments so that the funds can be delivered to the payee before the payment due date (the due date shown on the invoice or provided in your agreement with the payee, not taking into account any grace period provided by the payee) If you do not allow sufficient time, you will assume full responsibility for all late fees, finance charges, or other actions taken by the payee. If you schedule your payment with sufficient time, and the payment was not received by the payee, or was received late, our processor will assume responsibility. The Credit Union and our processor are responsible only for existing ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee. The Credit Union and or processor are not liable in any way for damages you incur if you do not have sufficient funds in your account to make the payment on the processing date, if the estimate of time to allow for delivery to the payee is inaccurate, due to delays in mail delivery, in changes of merchant address or account number, the failure of any merchant to account correctly for or credit the payment in a timely manner, or for any circumstances beyond the control of the Credit Union or our processor.

Limitations of Service

Dollar Limits. There is a daily dollar limit of $9,999.00 on any payment or IntraBank transfer.

Transfer Limitations.

Except as provided herein, all Bill Payments and Transfers to and from an account are subject to the terms and conditions applicable to such account as set forth in the account agreement governing such account With respect to Statement Savings and Statement Money Market Accounts, you may not make more than six transfers, or withdrawals per month to another account of yours or to third parties, when these transfers are made by means of a pre-authorized or automatic transfer, or telephone agreement.

Available Funds Required

All Bill Payments and Transfers initiated through your St. Jean’s Credit Union Internet Branch are subject to there being sufficient funds in the affected account to cover the transfer on the effective date of the transaction.

Security Procedures

As part of the enrollment process for St. Jean’s Credit Union, you will be required to select a password to access services using St. Jean’s Internet Branch, including Bill Payment. The password is confidential and should not be disclosed to a third party. You represent that you have considered the security procedures of St. Jean’s Credit Union Internet Branch services and find that the security procedures are commercially reasonable for verifying that a Bill Payment, Transfer or other communication purporting to have been issued to you is, in fact, yours. In reaching this determination, you have considered the size, type, and frequency of Bill Payments, Transfers or other communication that you anticipate processing through the Credit Union. If St. Jean’s Credit Union Internet Branch security procedures are not in your judgment commercially reasonable, you must inform us within thirty (30) days. If the size, type and frequency of Bill Payments, Transfers change, and the result is that St. Jean’s Credit Union Internet Branch security procedures cease to be commercial and the result is not commercially reasonable, you must also inform us within 30 days.

Documentation and Verification of Payments and Transfers

Confirmation Numbers

Upon completion of a transaction using St. Jean’s Credit Union Internet Branch, a confirmation number will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record), because this will help in resolving any problems that may occur. No printed receipts are issued through St. Jean’s Credit Union Internet Branch.

Periodic Statements

Information concerning St. Jean’s Credit Union  Internet Branch transactions will be shown on your monthly statement for the account to and from which transfers are made.

Recurring Deposits

If you have arranged to have deposits made to a deposit account at least once every 60 days from the same person or company, you can find out whether or not the deposit has been made through St. Jean’s Credit Union Internet Branch or you can call the credit union at (781) 592-5420 to find out whether or not the deposit has been made.

Other Conditions

You are responsible for complying with all terms of this agreement and disclosure and the regulations governing the deposit accounts which you access using St. Jean’s Credit Union Internet Branch. The regulations governing your deposit account are set forth in your Deposit Agreement and Disclosures presented at the time of your joining this credit union.

Changes in Terms

We will mail or deliver a written notice to you at least 30 days before the effective date of any change in term or condition disclosed in this Agreement and Disclosure if the change would result in increased liability for you, fewer types of available electronic funds transfers or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is excused by law.

Canceling St. Jean’s Credit Union Internet Branch

You may cancel your use of St. Jean’s Credit Union Internet Branch at any time by sending an electronic message to the credit union or by calling (781) 592-5420. If you notify the credit union by telephone, we may require you to put your request in writing. You cannot cancel, until all pending payments have cleared. If you have pending payments and do not want to wait for them to clear, you may individually delete these future payments.

Liability for Unauthorized Use

You must notify us immediately if you believe that your password has become known to an unauthorized person. Telephoning is the best way of keeping your possible losses to a minimum. You can lose no more than $50.00 for any unauthorized transaction involving only credit accounts. Also, if your statement shows electronic funds transfers that you did not make, you must notify us immediately. We may require you to provide your complaint in the form of an affidavit. If you do not tell us within 60 days after we sent you the first statement on which the problem or error appeared, you may not get the money back.

Notification of Unauthorized Transaction

If you believe your password has become known by an unauthorized person, or that someone has transferred money or made payments without your permission, call the Credit Union immediately at (781) 592-5420.

Liability or Failure to make Payments

If we do not send a payment or make a transfer on time, or the correct amount according to your instructions given in accordance with this Agreement and Disclosure, we will be liable for damages caused. However, there are exceptions. We will not be liable, for instance, if:

1. Through no fault of ours, your account does not contain sufficient funds to make the payment or transfer.
2. The equipment, ATM network, telephone lines, or computer systems were not working properly or were temporarily unavailable.
3. Circumstances beyond our scope of control, such as fire or flood, prevented the payment or transfer, despite reasonable precautions we have taken.
4. A court order or legal process prevents us from making a transfer or payment.
5. You have previously reported unauthorized use of your password, or if you default under any agreement with us or if you, or the Credit Union, terminate this agreement.
6. The payee does not process a payment correctly, or in a timely manner.

There may be other exceptions stated in our agreement with you. If any circumstances listed should occur, we will assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct transactions that have incorrectly been processed.

Errors in Electronic Funds Transfers or Questions About Your Electronic Funds Transfers.

We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following:

1. Your name and account number;
2. Description of the error you are unsure about, and why you believe it is an error or why you need more information;
3. The dollar amount of the suspected error.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or questions. If we decide to do this, we will provisionally recredit your account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally recredit your account.

If we determine that there was an error on our part, we shall correct the error within one (1) business day after the determination. We will tell you results within three (three) business days after we finish our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in out investigation and we must make these available to you for your inspection. For a reasonable fee covering duplication costs, we will provide you with any such documents that you request. If your alleged error concerns a transfer to or from a third party, our investigation may be limited to our records. We will provide you with copies. If we decide that there is no error, you may want to contact such third party to pursue the matter further.

Welcome to St. Jean’s Credit Union Internet Bill Payment
Electronic Bill Payment Authorization

I authorize St. Jean’s Credit Union to withdraw payment transactions generated per my instruction via the Bill Payment portion of St. Jean’s Credit Union to be credited to the vendor and account I have indicated. I understand I am in full control of my account and once it has begun, any periodic payments I have initiated will continue until such time as I manually delete the vendor information. If at any time I decide to discontinue service, I will provide written notification. My use Bill Payment signifies that I have read and accepted all terms and conditions of Bill Payment.

I understand that payments may take up to five (5) business days to reach the vendor and that they will be sent either electronically or by check. St. Jean’s Credit Union is not liable for any service fees or late charges levied against me.