Online Bill Payment Disclosure

Bill Payment Agreement

Effective October 12, 2016

This Bill Payment Agreement (the “Agreement”) governs your use of the Two Rivers Bank’s Bill Payment (the “Service”). By subscribing to the Service or using the Service to make any payment to a third party, you agree to the terms of the Agreement. Please read this Agreement carefully and keep a copy for future reference. By clicking “I agree” or using our bill payment services, you are agreeing to this Bill Payment Agreement.

You may use Two Rivers Bank Bill Payment to direct Two Rivers Bank to make payments from your designated checking account to the “Payees” you choose in accordance with this Agreement. The terms and conditions of this Agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.

Definitions The words you and your refer to either and all of the persons subscribing to or using the Service. The words we, us and our refer to Two Rivers Bank. Payee means anyone, including Two Rivers Bank, you designate and Two Rivers Bank accepts as a payee.
Hours of Operation Our business days are Monday through Friday, except federal holidays. Although payments can be initiated only on business days, the Service is available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of payment orders. All times noted throughout this document are Central Time (CT).
Transaction Posting Transactions entered on our website on or before 3:00 pm on any business day will be posted on the same day. Transactions entered on our website on weekends, federal holidays or after 3:00 pm on a business day will be posted by the end of the next business day.
The Service You may use the Service to electronically direct us to make payments from your account to third parties (Payees) that you have selected in advance to receive payment. You may make payments through the Service to any business, merchant, or professional that generated a bill or invoice for products or services provided to you on your behalf and that has an address we can verify. You may make payments through the Service to individuals, family or friends for non-business purposes.
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 which includes your account number with them. All checks are sent through the U.S. mail. You must allow at least seven (7) business days after the process date for a check to be received by mail. Electronic payments are received on the 2nd business date after the process date.
How to Set Up Payees/Payments To add a new Payee, select the Payee tab located in the Service or speak to a service representative. You may add a new fixed payment to a Payee by accessing the Service and entering the appropriate information. Most other additions, deletions or changes can be made in writing or by using the Service. Two Rivers Bank reserves the right to refuse the designation of a Payee for any reason. You may pay any Payee within the United States. Two Rivers Bank is not responsible for payments that cannot be made due to incomplete, incorrect or outdated information. You must provide sufficient information about each Payee to properly direct a payment to that Payee and permit them to identify the correct account (Payee Account) to credit with your payment.
Bill Paying Process To electronically schedule a payment you will be required to select the Payee from a list you create, the amount of the payment and the date on which you would like your payment to be processed. A confirmation number will appear for each payment that has been initiated. Listed below are payment types and limits:

  1. Pay Company--$15,000 per transaction, unlimited number of payments per day. Examples of payments include credit cards, utility payments, medical bills, etc.
  2. Pay Individual--$2,500 per transaction, $2,500 limit per day. These are person-to person transfers where you do not have the receivers banking information. An e-mail is sent to the recipient of the funds. Upon receiving the e-mail the recipient completes the information requested and payment is then initiated.
Single Payments A single payment will be processed on the business day (generally Monday through Friday, except federal holidays) that you designate as the payment’s processing date, provided the payment is submitted prior to the daily cutoff time of 3:00 pm. A single payment submitted after the cutoff time on the designated process date will be processed on the next business day. Payments entered on the weekends, federal holidays or after 3:00 pm on a business day will be posted by the end of the next business day. Bill payment will calculate the estimated arrival date of your payment. This is only an estimate, so please allow ample time for your payments to reach your Payees. Rush payments may also be available. Please refer to the fee schedule for the fees related to these payments. You may schedule a payment to be initiated on any future business day, up to 18 months in advance.
Recurring Payments When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date, generally weekends and federal holidays, it is adjusted based upon the following rules:

  1. If the recurring payment’s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.
  2. If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

Note:If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

Canceling a Payment A bill payment may be changed or canceled any time prior to the cutoff time on the scheduled processing date. Once the payment is canceled, the funds will be returned to your account within 1-2 business days. There is no fee for canceling a payment online.
Available Funds You must have available funds in the designated account sufficient to pay bill payment requests. Payments are posted against your balance available for withdrawal, as defined in our Funds Availability disclosure provided at account opening. All bill payment requests must be in U.S. Dollars.
Liability You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
Two Rivers Bank is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment or you have not provided us with the correct Payee name, address or account information or payment amount. We are not liable for any future failure to make a bill payment if you fail to promptly notify us after you learn that you have not received credit from a Payee for a bill payment or a Payee mishandles or delays in handling payments sent by us.
Two Rivers Bank is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent.
Notice of Your Rights and Liabilities Tell us AT ONCE if you believe your User Name or Password has been lost or stolen, otherwise, you are subject to loss of funds in your account. Telephoning is the best and fastest way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your User Name or Password you can lose no more than $50 if someone uses your User Name or Password without your permission. If you do NOT tell use within two (2) business days after you learn of the loss or theft of your User Name or Password, and we prove we could have stopped someone from using your User Name or Password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers or payments you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you or was provided electronically, you may not get back any money you lost after the sixty (60) days if we can prove we could have stopped someone from taking the money if you had told us in time.
You agree that if you give a sub-user access or your PIN or Password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Service.
Error Resolution Notice In case of errors or questions about your electronic transfers, contact us at the telephone number, mailing address or email listed below, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on your statement. We must hear from you no later than sixty (60) days after we mailed you, or provided electronically to you, the FIRST statement on which the problem or error appeared.

Telephone Two Rivers Bank, Customer Service, at 402-426-9500 (Blair) or 402-478-4114 (Arlington), or write Two Rivers Bank, Online Banking, P.O. Box 550, Blair, NE 68008 or email

  1. Tell us your name and account number.
  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 use 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 ten (10) business days. We will determine whether an error occurred within ten 10 business days (20 business days if your account is within 30 days after the first deposit to the account) after we hear from you and will correct any error promptly. If we need more time, we may take up to forty-five (45) days (90 days if the transfer involved a point-of-sale transaction, a foreign initiated transfer or if your account is within 30 days after the first deposit to the account) to investigate your complaint or question. If we decide to do this, we will provisionally re-credit your account within ten (10) business days (20 business days if your account is within 30 days after the first deposit to the account) 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 question in writing and do not receive it within ten (10) business days, we may not re-credit your account.
We will notify of the results within three (3) business days after we finish our investigation. If we decide that there was no error, we will send you a written explanation of our findings. You may ask for copies of documents that we used in our investigation.
Confidentiality We may disclose information to third parties about your account or the transactions you make:

  1. Where it is necessary for completing transfers; or
  2. 1) In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant; or
  3. In order to comply with a governmental agency or court orders; or
  4. In response to a garnishment, levy or subpoena; or
  5. If you give us your written permission; or
  6. As explained in our separate privacy disclosure
Termination You may terminate your use of the Service at any time by notifying Two Rivers Bank, customer service at 402-426-9500 (Blair) or 402-478-4114 (Arlington). You may be asked to provide the request for cancelation in writing within ten (10) business days. We may terminate your use of the Service at any time without prior notice. Your access to the Service will be terminated automatically if your account is closed or if access to your account is restricted for any reason. Termination will not affect your liability or obligations under this Agreement. Two Rivers Bank is not responsible for any fixed payment made before we have had a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by us on your behalf. If the Service is terminated, all payments not yet processed will be canceled.
Electronic Delivery of Notices You agree to accept Online Banking and Bill Pay related disclosures in an electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address.
Amendments Two Rivers Bank has the right to change these terms by giving you notice as required by law. Continued use of our Service by you after notice of a change in terms constitutes acceptance of the change.
Service Fees:
  1. The Service is free when you pay at least one bill per monthly cycle*; otherwise there is a monthly bill payment fee of $5.00.
  2. If you choose to rush a payment, there is a $14.95 (draft check) fee for next business day; $9.95 (draft check) fee for second business day; and $4.95 (electronic) fee for second business day.
  3. 1) If your account available balance is not sufficient to pay the bill payments initiated against your account, there will be a $30.00 Return Item Fee/UCF Return Item Fee (Uncollected Funds Fee) charged to your account for each payment presented and returned.

*Monthly cycle is the period beginning the last business day of the prior month through the second to the last business day of the current month.