Returned or Stale Bill Pay Payments. If a Bill Pay Payment is returned to us for any reason (e.g., the Payee’s forwarding address expired, your account number with the Payee is not valid, the Payee is unable to locate your account, your account with the Payee is paid in full, etc.), SoFi Bank will notify you of the return and promptly credit the amount of the Bill Pay Payment to your SoFi Bank Account. If a Payee fails to cash or negotiate a Bill Pay Payment sent by check within 180 days after the Delivery Date, we will notify you and place a stop payment on the stale check. We will credit the Bill Pay Payment Amount to your SoFi Bank Account when the stop payment on the stale check is placed. If a Bill Pay Payment check is returned to us by the Payee prior to the end of such 180-day period, we will credit the Bill Pay Payment Amount to your SoFi Bank Account.
