1. Coverage. This Agreement applies to all persons that are parties to
the accounts. In this Agreement, the terms "you" and "your" refer to each user
on an account accessible by TriLine, and the terms "us," "we," and "our" refer
to the Bank. This Agreement applies to your use of our Bill Payment Service,
which permits you to pay bills on an automatic recurring basis as specific one-time
payments. By using Tri City's Bill Payment Service, you agree to abide
by the terms and conditions of this Agreement and acknowledge your receipt and
understanding of the disclosures contained in this agreement.
2. General. To establish the Bill Payment Service, you will complete
certain enrollment screens or other documents evidencing your desire to access
your accounts using TriLine. Your completion of the enrollment screen and
Bill Payment Agreement constitutes your acceptance to the terms of
You must designate one checking account as your default bill payment account. To
use bill payment, you will provide us with the name and address of the payee
(i.e., the person you want to pay), your account number with that payee and
any other information we require to properly debit your account with us and
credit your account with the payee. If your account number or any other information
changes, or if you wish to add or delete payees, you must provide us with
these changes at least one business day in advance of a payment. All such
designations and changes must be entered in the appropriate fields through
the Bill Payment section of TriLine. You authorize us to make all changes
submitted through TriLine by you or any other person having access to your
Password and account information.
We work with payees to encourage them to accept an electronic payment or
check. If we are unsuccessful, or if we believe that the payee cannot
process payments in a timely manner, we may decline to make future payments to
this payee. In the unlikely event that this occurs, will we send you a notice.
We may refuse to make payments to certain payees in our sole discretion
and to payees that choose not to participate in the services.
3. How Bill Payments are Made. Bill payments are processed either
through an electronic transmission to the payee or by check drawn on your
account and mailed to the payee. Payees who receive electronic delivery will
receive your payment information, including your account number with the
payee, through a computer link. All checks are sent through the U.S. mail.
Payments made with checks are generally received and credited by most payees
within five to seven business days. If we receive any payment instructions
from a payee, we may follow those instructions to help ensure that the
payment is received by the payee and promptly credited to your account.
To help ensure that your payments arrive on time, you must schedule your
payments at least six business days before the payment due date.
This generally allows sufficient time for the payee to receive and post your
4. Late Charges. If you follow all of the procedures described in
this Agreement and follow all Bill Payment instructions accurately and completely,
and a bill payment has not arrived at the payee within the allowable number
of days described on the screen at the time you scheduled the payment, we
will reimburse you for all penalties and associated late fee charges incurred
due to such a late payment. Situations in which you are responsible for
failing to follow procedures and instructions include, without limitation,
your failure to schedule the payment a correct number of days before the due
date, incorrectly scheduling the payment or supplying incorrect account
5. Your Responsibility. You are responsible for selecting all
systems, hardware and your Internet Service provider and for any defect,
malfunction or interruption in service or security due to hardware failure,
your Internet Service provider and its systems and computer services.
6. Access Codes. To access Bill Payment Services, you must be
enrolled in TriLine Online Banking.
Click here to enroll.
After enrolling in TriLine, you will obtain a unique User Identification
Number and Password. The Password has the same effect as your signature to
authorize payments. You agree to keep the Password private, not to record the
Password or otherwise disclose or make the Password available to anyone.
Anyone to whom you disclose your Password and anyone who has access to your
Password will have full access to the services you can perform on TriLine,
including full access to your accounts. You have no ability to limit any such
person's authority. If anyone uses your Password with your permission, you
will be responsible for all future transactions performed by that person,
whether or not authorized by you.
7. Customer Liability. Tell us at once if you believe your Password
has been lost, stolen or otherwise became available to an unauthorized
person. Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your accounts (plus your maximum overdraft
line of credit). If you tell us within two business days, you can lose no
more than $50 if someone used your Password without your permission. If you
do NOT tell us within two business days after you learn of the loss or theft
of your Password, and we can prove that we could have stopped someone from
using your Password without your permission, you could lose as much as $500.
Also, if your statement shows transfers/payments initiated online that you did
not make, tell us at once. If you do not tell us within 60 days of the date we mail
a periodic statement to you, you lose any rights to recover from us, even if we
failed to use ordinary care in making the payment.
8. Contact in Event of Unauthorized Transfer/Payment. If you believe your
Password has been lost or stolen or that someone has transferred or may transfer
money from your account without your permission, call (414) 874-2489
|write us at:
Tri City National Bank
PO Box 44017
West Allis, WI 53214
In Case of Errors or Questions About Your Electronic Transfers
Contact us as soon as you can, if you think your statement or receipt is
wrong or if you need more information about a transfer or payment listed on the
statement or receipt. We must hear from you no later than 60 days after we sent you
the FIRST statement on which the problem or error appeared.
Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain
as clearly as you can why you believe it is an error or why you need
Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will tell you the results of our investigation within 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 45 days to investigate
your complaint or question. If we decide to do this we will provisionally credit your
account within 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 questions in writing and
we do not receive it within 10 business days, we may not provisionally credit your
If we decide that there was no error, we will send you a written
explanation within three business days after we finish our investigation and
we will reverse any provisional credit we made to your account. You
may ask for copies of the documents that we used in our investigation.
9. Business Days. Our business days are Monday through Friday,
excluding federal holidays. We can process a bill payment on the same business
day as your instructions, if we receive your instructions before our TriLine
cut-off hour of 8 PM Central Time on a business day. If we receive your instruction
after the end of our business day, or on a non-business day, we process the
transaction on our next business day. If you schedule a bill payment for a future date,
we process the transaction after the close of business on that date, if that day is a
business day. If the date you request for a future payment is not a business
day, we will process the transaction on the business day immediately preceding
the date you have requested. If you schedule a recurring bill payment and the
payment date does not exist in a month, the payment will be processed on the last
business day of that month.
10. Hours of Operation. Although you may access TriLine's Bill Payment Service
24 hours a day, 7 days a week, at certain times some or all of TriLine's account
options may not be available due to system maintenance. If bill payment will
not be accessible for an extended period of time, we will attempt to provide
you with notice, but cannot guarantee prior notice will be provided.
11. Cancelling Bill Payments.
Cancelling an Order. You may cancel a pending bill payment by
selecting and deleting the payment from the pending payments menu. Any
instruction to cancel a bill payment must be received before 11 PM on
the day the transaction is to be processed. If we don't receive your
instruction identifying a payment prior to that time, we may process
the transaction. Remember, we will process your transaction on the
business day before the date you requested if your request date is not
a business day.
Our Rights. If we fail to cancel or stop any bill payments, the
payment will stand unless you show us that your obligation to the payee was
unenforceable. If we recredit your account after transferring funds
over a valid and timely cancellation request, you agree to sign a
statement describing the dispute with the payee, to transfer to us
all of your rights against the payee, and to assist us in any legal
action taken against that person.
12. Overdrafts. When you schedule a bill payment using TriLine, you
authorize us to withdraw the necessary funds from your account with us. We
deduct the amount of your bill payment from your account on the date we
process your instruction. We may charge payments against the account
even though the charge creates an overdraft, or we may refuse to make payments
if the charge creates an overdraft. If you overdraw your account, you agree to
immediately pay us the overdrawn amount, together with any applicable fees. If
the account is maintained in connection with an overdraft protection/credit
plan, any overdraft will be handled in accordance with the agreement or rules
governing that account rather than this Agreement.
13. Our Liability For Failure to Complete a Bill Payment. If you
have given us all of the proper and timely instructions and have properly
completed all fields to complete a bill payment, and we do not complete a
payment from your account on time or in the correct amount according to our
agreement with you, we will be liable to you for damages. However,
there are some exceptions. We will not be liable, for instance:
If, through no fault of ours, you do not have enough money in your
account to make the payment.
If the money in your account is subject to legal process or other
encumbrances restricting the payment.
If the payment would go over the credit limit on your overdraft credit plan, if any.
If the bill payment system was not working properly and you knew about
the breakdown when you initiated the payment.
If circumstances beyond our control (such as fire or flood) prevent the
payment despite reasonable precautions that we have taken.
If you have not provided us with complete and correct payment
information, including without limitation the name, address, account
number and payment amount for the payee on a bill payment.
If we have a reasonable basis for believing that unauthorized use of
account(s) has occurred or is occurring, if you are in default
under this or any other Agreement with us, or if you or we have
terminated or suspended your use of TriLine or Bill Payment Services.
If your operating system is not properly installed or functioning properly.
For errors or failures from any malfunctions of your browser, Internet
service provider, computer, computer virus or other problems relating to
the computer equipment you use with TriLine, including, without
limitation, your inability to access TriLine or any part of TriLine.
For a failure to provide access or for interruptions in access to
TriLine and/or Bill Payment Services due to your Internet Service
Provider system failure.
NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS
OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY
US OR OUR THIRD PARTY PROVIDER IN PAYING A BILL WILL BE TO CORRECT THE
ERROR, BUT IN NO CASE WILL THE BANK BE LIABLE FOR ANY INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY, IN CONNECTION WITH, OR IN
ANY WAY RELATED TO THE ERROR.
14. Account Information Disclosure. We will disclose information to
third parties about your account, as permitted by law, including, without
limitation: where it is necessary for completing or tracing transfers or
resolving errors or claims; in order to verify the existence and condition of
your account for a third party, such as a credit bureau or merchant or other
financial institution; in order to comply with court orders or other legal
process; to comply with subpoenas, summonses, search warrants or requests
from government agencies; to other companies affiliated with us; to others
with your consent; and whenever required by law.
15. Termination. We may modify, suspend or terminate your privilege
of using Bill Payment Services and may withhold approval of any transaction,
at any time, without prior notice to you. In the event we terminate Bill
Payment, we will try to notify you in advance but are not required to do so.
You will be notified as soon as practicable. Any one person who can use the
account accessible with Bill Payment may terminate Bill Payment by writing us at:.
If you have not logged into Bill Payment within a three month period of time, you may need to reenroll.
Termination shall not affect the rights and obligations of the parties for transactions
made with Bill Payment Services before we have had a reasonable time to
respond to your termination request.
|write us at:
Tri City National Bank
Bill Payment Services
PO Box 44017
West Allis, WI 53214
16. Third Parties. You understand that support and services relating
to Bill Payment Services are provided by third parties other than us, and you
authorize us to contract with third parties to provide such support and
17. Amendment. We may amend this Agreement at any time. Notice will
be sent to you at your current address in our files. Amendments will be
effective upon the date indicated in the notice. By accessing Bill Payment
Services after the amendments have been made, you agree to be bound by the
18. General. This Agreement is intended to supplement and not to
replace other agreements between you and us relating to your accounts,
including, without limitation, our Deposit Account Rules and Online Banking
Disclosures. In the event of a conflict between this Agreement and any other
account rules and agreements that apply to your accounts, this Agreement
shall govern and prevail.