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Bill Pay Disclosure

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 this Agreement.

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 payment.

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 information.

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
Unauthorized Transfers
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.

1. Tell us your name and account number (if any).
2. 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 more information.
3. 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 account.

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.

a. 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.
b. 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 your 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.
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:
write us at: Tri City National Bank
Bill Payment Services
PO Box 44017
West Allis, WI 53214

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.

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 service.

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 new Agreement.

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.
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You may contact us at 414-TRI-CITY (414-874-2489) or visit any branch.
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