Bill Payment Fees. The fee for the bill payment service is currently waived by American Bank & Trust Company, N.A. if you are an active user utilizing this service to initiate and successfully pay at least one (1) legitimate payee every 180 days. A legitimate payee is defined as any US corporation, company, utility, or business entity with a verifiable "Tax Identification Number" or "Employer Identification Number" with an address in the United States. A private individual is NOT considered a legitimate payee for definition of the one (1) payment every 180 days minimum requirement for waiver of bill payment service fee.
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Samples: Business Digital Banking Agreement, User Agreement, Business Digital Banking Agreement