Common use of Bill Pay Clause in Contracts

Bill Pay. If you sign up for Bill Pay, our bill payment service, you must have a personal checking account, your bill payment account. You may authorize new payments or edit previously authorized payments on a periodic (i.e. nonrecurring payments on merchant charge accounts that vary in amount) or automatic (i.e. recurring fixed monthly mortgage payments) basis. You will need to provide us the name and address of the payee, your account number with the payee and any other information we require to properly debit your account with us and credit your account with the payee. You can only pay payees with addresses within the United States. We reserve the right to refuse to make payments to certain persons, appear to be fraudulent or erroneous. If the designated payment day falls on a weekend or holiday, it will be paid on the next business day. When you transmit a bill payment instruction you authorize us to transfer funds to make the bill payment from the checking account you designate. We will process the bill payment only to those payees you authorize and have the proper identification. We will not process any bill payment if the required transaction information is incomplete. We reserve the right to process your bill payment as a corporate check, draft check, or automated clearing house (ACH) transaction and this may change at any point in time. There is no limit on the number of bill payments per day. If there are insufficient funds in your account, we may refuse to make the payment, make the payment and transfer funds from any overdraft protection account you have established, or make payment and overdraw your account.* It is your responsibility to schedule your bill payments in a manner that your obligations will be paid on time. You must allow sufficient time for the merchant to receive and process your payments, we cannot guarantee the time that the merchant will credit any payment in your account. You may cancel, edit (date, or payment amount), or request a stop payment* for bill payments under certain circumstances. Your cancellation or edit request must be entered at least three (3) business days before the date the payment is scheduled to be processed. If we don’t receive your instruction to edit or cancel a payment instruction before that time, we may process the transaction. See Stop Payment Rights that apply to these payments. * NOTE: View our Fee Schedule for current fees.

Bill Pay. If you sign up for Bill Pay, our bill payment service, you must have a personal checking account, your bill payment account. You may authorize new payments or edit previously authorized payments on a periodic (i.e. nonrecurring payments on merchant charge accounts that vary in amount) or automatic (i.e. recurring fixed monthly mortgage payments) basis. You will need to provide us the name and address of the payee, your account number with the payee and any other information we require to properly debit your account with us and credit your account with the payee. You can only pay payees with addresses within the United States. We reserve the right to refuse to make payments to certain persons, appear to be fraudulent or erroneous. If the designated payment day falls on a weekend or holiday, it will be paid on the next business day. When you transmit a bill payment instruction you authorize us to transfer funds to make the bill payment from the checking account you designate. We will process the bill payment only to those payees you authorize and have the proper identification. We will not process any bill payment if the required transaction information is incomplete. We reserve the right to process your bill payment as a corporate check, draft check, or automated clearing house (ACH) transaction and this may change at any point in time. There is no limit on the number of bill payments per day. If there are insufficient funds in your account, we may refuse to make the payment, make the payment and transfer funds from any overdraft protection account you have established, or make payment and overdraw your account.* It is your responsibility to schedule your bill payments in a manner that your obligations will be paid on time. You must allow all ow sufficient time for the merchant to receive and process your payments, we cannot guarantee the time that the merchant will credit any payment in your account. You may cancel, edit (date, or payment amount), or request a stop payment* for bill payments under certain circumstances. Your cancellation or edit request must be entered at least three (3) business days before the date the payment is scheduled to be processed. If we don’t receive your instruction to edit or cancel a payment instruction before that time, we may process the transaction. See Stop Payment Rights that apply to these payments. * NOTE: View our Fee Schedule for current fees.

Bill Pay. If you sign up This Section 20 contains the terms for use of First Midwest Bank’s Consumer Online Banking Bill Pay Service (“Bill Pay”), in which you authorize us to remit funds from your Charge Account to Payees you have specified. Our receipt of your Payment Instructions authorizes us to debit your Charge Account and to remit funds on your behalf to the designated Payee. When you enroll in this Service on our bill payment serviceConsumer Online Banking website and use the Service, those actions constitute your acknowledgment that you must have a personal checking accountread, understand and agree to the terms in this Section, and your bill payment accountintent to be bound by this Section and all future amendments. You agree to pay service charges for the Consumer Online Banking Bill Pay Service in accordance with our current fee schedule. Service charges will be deducted from your Charge Account. Any service charges associated with your Account will continue to apply. Service charges for this Service are subject to change at any time. You may authorize new request a payment to be made at one time only or on an automatic recurring basis in such a manner as you direct. If a payment is scheduled for a non-Business Day, the payment will be made on the previous Business Day. Payments are made at our option either by paper Check, electronically by ACH credit or through any other method we choose. You may make payments to any business, merchant or professional with a valid United States address. We reserve the right to limit the amount of payments, the number of payments or edit previously authorized payments on a periodic (i.e. nonrecurring payments on merchant charge accounts that vary in amount) or automatic (i.e. recurring fixed monthly mortgage payments) basisthe Payees you may designate. You will need agree not to provide us make any payment of alimony, child support, taxes or other governmental service charges or court-ordered payment, payment for gambling debts or payment otherwise prohibited by law using the name and address of the payee, your account number with the payee and any other information we require to properly debit your account with us and credit your account with the payee. You can only pay payees with addresses within the United StatesBill Pay service. We reserve the right to refuse payment and will notify you promptly if payment is refused. In no event will we be liable for any claims or damages resulting from your scheduling these types of payments or our refusing to make payments to certain personsa payment. You may use Bill Pay 24 hours a day, appear to seven days a week, except during maintenance periods. However, Bill Payments can only be fraudulent or erroneousprocessed on Business Days. If the designated payment day falls Payment Instructions submitted before 9:30 p.m. Central Time on a weekend Business Day are processed the same Business Day. Payment Instructions received after 9:30 p.m. Central Time on a Business Day or holiday, it on a non-Business Day will be paid processed on the next business dayBusiness Day. When you transmit a bill payment instruction you authorize us to transfer funds to make the bill payment from the checking account you designate. We will process the bill payment only to those payees you authorize You understand and have the proper identification. We will not process any bill payment if the required transaction information is incomplete. We reserve the right to process your bill payment as a corporate check, draft check, or automated clearing house (ACH) transaction and this may change at any point in time. There is no limit on the number of bill payments per day. If there are insufficient funds in your account, we may refuse to make the payment, make the payment and transfer funds from any overdraft protection account you have established, or make payment and overdraw your account.* It agree that it is your responsibility to schedule your bill payments provide Payment Instructions in such a manner that the Payee will receive your obligations will be paid payment no later than the due date on timethe statement provided to you by the Payee. We recommend that you provide Payment Instructions no later than ten (10) Business Days prior to the Scheduled Payment date. You must allow provide us with the correct Payee name, address, Payee Account information and payment amount. You will also agree to accurately follow product use instructions provided in the Bill Pay Banking Online Services on-line tutorial. Your Charge Account, including your maximum overdraft line of credit, must contain sufficient time collected funds to complete the payment on the Transmit Date. We will use reasonable efforts to properly and timely make all your payments. However, you agree that the Bank will incur no liability if we are unable to complete any payments for the merchant to receive following reasons:  erroneous or incomplete information is provided by you, which prevents accurate and process your payments, we timely payment;  the payment was insufficiently funded;  a Payee cannot guarantee or will not accept a payment delivered by us;  a Payee delays crediting the time payment to your Payee Account;  we suspect the payment of being fraudulent and have provided notification to you; or  we suspect that the merchant will credit any payment in your accountPayee is a blocked entity under Office of Foreign Assets Control Sanctions. You may cancel, edit (date, or not schedule duplicate payments. A duplicate payment amount), or request a stop payment* for bill payments under certain circumstances. Your cancellation or edit request must be entered at least three (3) business days before the date the payment is one that is scheduled to be processedmade to the same Payee on the same day for the same amount. We will notify you of failed or returned transactions. If we don’t request additional information and you do not provide information needed to resolve the payment issue within five (5) Business Days, the payment will be cancelled and funds will be recredited to your Charge Account. If you schedule a payment and follow the instructions as outlined above but the payment is not received by the Payee in a timely manner, you should contact customer service at 800.322.3623. Use reasonable efforts to ensure Payees reverse any late service charges. However, First Midwest Bank will not be responsible for any loss you may incur as a consequence of late payment. You are required to promptly provide notice to us of any unauthorized transfer at 800.322.3623, or write First Midwest Bank, Customer Care, 0000 Xxxx Xxxxx Xxxxxxxxx, Xxxxxx, Xxxxxxxx 00000, Attn: Consumer Online Banking or by sending an e-mail message through our secure messaging system within Consumer Online Banking. When you give another party your Security Credentials, you are authorizing that party to use the Bill Pay service and you are responsible for all payments that party performs while using your Security Credentials, even those you did not intend or want performed. Your liability for unauthorized electronic transfers or payments is described in “Liability for Unauthorized Transactions” (Section 18). You acknowledge that, in providing this Service, the Bank may rely upon certain third-party service providers to provide database storage, database access, switching and other data communication services to the Bank. You acknowledge and agree that your rights under this Agreement shall be solely and exclusively against the Bank. If you do not have sufficient funds available on the Transmit Date, we will not process your payment. Your right to make Online Bill Payments will be terminated if, on two (2) occasions, the available funds in your Charge Account are insufficient to make a payment you have requested. You also understand that First Midwest Bank will not be responsible for any loss or penalty that you may incur due to lack of available funds or other conditions that may prevent the withdrawal of funds from your Charge Account. You may change or delete a single payment up until 9:30 p.m. Central Time on the Transmit Date for that payment. You may cancel or edit any Scheduled Payment (including Recurring Payments) by following the directions within the Bill Pay service. Once we have begun processing a payment it cannot be cancelled or edited, unless a stop payment request is submitted and effective pursuant to the terms of this Agreement and your Charge Account. A fee for the stop payment service will be assessed according to the Bank’s current fee schedule. Once an electronic payment is submitted and processed, it cannot be deleted. You should contact the Payee for a refund or ask the Bank to submit a claim. You may terminate your use of Bill Pay at any time by notifying us in writing. Any instructions from you to make payments will continue in effect until we receive your instruction notice and have had a reasonable time to edit or cancel a payment instruction before that timeact on it. Subject to Applicable Law, we may process terminate your use of Bill Pay if you do not comply with the transactionterms of this Agreement or you do not maintain your Charge Account in good standing. See Stop If your Charge Account is closed we will automatically cancel your Bill Payment Rights that apply service. Once we terminate this Agreement or the Bill Payment service, no further or pending payments will be made, including but not limited to any payments scheduled in advance or any preauthorized Recurring Payments, and you must make other arrangements to make these payments. * NOTE: View our Fee Schedule for current fees.