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Bill Pay Disclosures

The online Bill Pay enables you to set up recurring payments, make one-time payments, and track your payments to individuals or merchants. No need to write checks and go to the post office. You can do this right from your home or office!

Electronic Bill Payment Authorization

I AUTHORIZE ESL Federal Credit Union to post payment transactions generated from the Bill Paying Service to the account indicated on the form being sent electronically. I understand that I am in full control of my account. If at any time I decide to discontinue the ESL Bill Pay service, I will provide written notification to ESL Federal Credit Union. My use of the Bill Paying Service signifies that I have read and accepted all terms and conditions of the Internet Banking Disclosure and Agreement which has been provided to me electronically by ESL Federal Credit Union.

I UNDERSTAND that payments may take up to 5 business days to reach the vendor and that they will be sent either electronically or by check. ESL Federal Credit Union is not liable for any service fees or late charges levied against me.

I UNDERSTAND that I am responsible for any loss or penalty (see fee schedule) that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.

Online Bill Payment

You will receive a confirmation email message informing you that your Bill Pay account has been created.

When you receive this message, simply logon to Internet Banking and click the "Bill Payment" button to begin using this feature.

Insufficient Funds

If you initiate a bill payment which creates an overdraft, the Bill Pay account will be blocked from access. All payments in Bill Pay are SUSPENDED during the blocked period. If the payment is by check, and the check has not cleared, the Bill Pay service will stop the check. If the payment was electronic, the Bill Pay provider will attempt to collect funds up to three (3) times, and an insufficient funds fee will be collected for each attempt where the funds are not available in the account. Any instance of a single or recurring payment scheduled to be paid during the blocked period will not be sent and must be rescheduled by you once your balance is sufficient. Future recurring and dated payments will be processed, assuming there is an adequate balance in your checking account at that time.

You will be charged a non-sufficient funds fee for each payment attempt (see fee schedule). Our Bill Pay service will attempt to withdraw the funds three consecutive times.

Acceptance of Terms & Conditions

By clicking "I Accept" you are confirming your request to register for ESL Bill Pay service and agreeing to the foregoing terms. You will receive an email at the address you have provided on the registration form to notify you that your registration has been processed.