UNION BILL PAYER DISCLOSURE

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The following terms and conditions apply to the Bill Payer Service (Bill Payer) offered through the Campbell Employees Federal Credit Union’s Personal Credit Union.

To use Bill Payer, you must complete the Personal Credit Union registration form and accept the terms of this disclosure by clicking on the “Enroll Bill Payer” button.  You must also have a valid U.S. address.

By enrolling in Bill Payer you are directing Campbell Employees FCU to make payments from your checking account to payees that you have specified through Bill Payer.

Fees:  There is currently no monthly fee for Bill Payer.  If a payment is disputed and later found not to be the fault of the Credit Union, a fee of  $20.00 will be charged.  The credit union reserves the right to modify the fees charged with thirty (30) days notice.

Qualified Payees:   Payments can only be made to payees with a U.S. payment address.  You may select payments from the vendor list, which is provided through Campbell Employees FCU Bill Payer, or you may add additional qualified payees.  Payments may only be made in U.S. Dollar currency.

Unqualified Payees:   You may not make a payment to governmental agencies, including but not limited to the Internal Revenue Service, all state and local tax authorities, collection agencies as well as recipients of court-ordered payments like child support and alimony.  You may not make a payment to a payee with an address outside of the United States.

Essential Information:   You are responsible for completing the “Payee Screen” completely so that our remitter can properly identify your payees and the proper payee address to insure that the payee can properly credit the payment when received on your behalf.  You must kept the Credit Union updated with your email address, your current mailing address and telephone number so that we can contact you if we have questions about your payees.

Setting Up Payees:   From Bill Payer, click “Find Payee” to select a payee from the master list, or click “Add Payee” to add an additional payee.  The online remitter will verify payees that you add before they become available for you to initiate the first payment.  This process will take up to (14) business days.  Payees selected from the master list have already been verified and you may request a payment be made on the next business day.

Setting Up Payments:   From Bill Payer, click “Add Payment” and enter the payment amount.  A single payment may not exceed $9,999.99.  If you must remit an amount greater than $9,999.99, you may send multiple payments to the same vendor.  There is no minimum payment amount.  Once a payment has been established, the information will be displayed in your Pending Payment List.  Payment information may be modified by you at anytime prior to processing.  Changes made after 6:00 a.m. EST will take affect on the next business day.

Payment Frequency:

            One-Time Payment – A one-time payment is a payment that does not recur on a regular basis, either the payment amount or the date the payment is made vary from payment to payment.  The payment must be scheduled by 6:00 a.m. EST to be withdrawn from your account and processed on the current business day.

            Recurring Payments – A recurring payment is a payment that is always the same amount, and is made at regular intervals.  Recurring Payments are set up once and can be repeated for up to a three-hundred-sixty-five (365) day period.  After 365 days, a new Recurring Payment must be added.  These payments may be weekly, bi-weekly, monthly, last day of the month or quarterly.  Weekly payments can be set up to occur on any business day of the week.  Bi-weekly payments will occur every other week on the same business day as the initial payment.  Monthly payments can be set up to occur on any day of the month.  For dates that fall on a non-business day or if the process date is invalid (i.e. the 31st day in a month with only 28,29,30 days) the request will be processed on the next business day after the date entered.  Recurring Payments will start on the first business day after the entered date.  Recurring Payments may not be processed with the current date if entered after 6 a.m. EST.  Other changes to payees require that you delete the existing payee and establish a new payee.  Changes must be made before 6:00 a.m. EST on any business day in order to be effective that day.  If you delete a payee, all pending payments for the payee must first be deleted.  You will receive a confirmation number for any deletions.

Cancel Bill Payer:   To cancel Bill Payer, click the CANCEL Bill Payer button.  You must delete all pending payments prior to cancellation or the payments will be made.  Cancellation is immediate.  If you cancel in error, you may re-enroll.  You will not receive a refund of any service fee if you cancel.

Hardware and Software:   The Credit Union does not supply any operating hardware or software for use with Bill Payer.  You are responsible for any errors or failures from the malfunction or failure of your hardware or software.

Termination of Services:   Campbell Employees FCU may terminate Bill Payer at any time without prior notice.

Payment Remittance:   Payment requests may be made through Bill Payer 24 hours a day, 7 days a week.  The Credit Union only processes payments (withdraws and remits funds) on a day that the credit union is open for business.  The remittances will be sent to the Payee either electronically, or by paper check.  The following processing guidelines will apply:  When scheduling payments, please allow 2 business days for electronic payment and 5 business days if paying by check.  (Choose a payment date at least 2 days prior to the due date on your bill when paying electronically.)  Scheduled payments that fall on a Saturday or Sunday will be paid on Monday.  Open payee enrollment gives members unlimited capacity to add payees.  In order to establish a level of quality control, your payees will be notified.  Successful notification can take up to 14 days.  Therefore, when setting up a payment for a new payee, please wait until the Payee Status reads "active".

Changing Payee Information:   Select “Modify Payee” to change payee information.  Items that can be changed through the Modify Payee screen are the name and account number for the bill.  These items can be changed without a new payee having to be established.

Error Resolution:   If you believe that a payment failed to reach the payee in the prescribed amount of time, first be sure to identify that the error is not due to an incorrect payee, incorrect address, or other error on the user’s part.  Also determine that the payee has not received payment, or has received it but has not yet credited it to your account.

If you still need error resolution, please contact Campbell Employees FCU at 800-257-5354 or 856-486-3250.  Please have the following information available when you call:  your name, your Campbell Employees FCU account number, the merchant name, your account number with the merchant, the payment processing date, the payment amount and payment due date.  There is a $20.00 charge for the resolution process if it is determined that the fault does not lie with Campbell Employees FCU or the Bill Payer system.  We encourage you to allow sufficient time for the merchant to receive and post your payments before initiating the error resolution process.                                          

Fees:

A fee of $25.00 will be charged for each bill payment that you set up that could not be completed due to insufficient or unavailable funds.