Online Bill Payment
Have more questions? Check out our Bill Pay Frequently Asked Questions.
For a demo of our Bill Pay system, click here.Introduction
To enter the Bill Pay program, sign on to Miss Web , and click on the "Pay Bills" button at the top of the screen. Online Help is available by clicking on the "Help" button at the upper right corner, or you may call Bill Pay support at 1-800-973-6475 with your question(s).
This Bill Payment Agreement (“Agreement”) is between Missoula Federal Credit Union and each member who has enrolled in our Bill Pay service, together with any person you have authorized to use or access Bill Pay on your behalf.
SECTION I – SERVICE DESCRIPTION, FEATURES, FEES, AND LIMITATIONS
The Bill Pay service is generally accessible 24 hours a day, seven days a week. Bill Pay may be inaccessible for a reasonable period weekly to perform system maintenance. We reserve the right to suspend or terminate access to Bill Pay for any reason without notice.
Business Day Definition
Monday through Friday, excluding any Federal Holidays when Missoula Federal Credit Union is closed.
Bill Pay Service
The Bill Pay program allows you to pay bills, out of a designated account, without having to write and send checks. You may send payments on a one-time or periodic/recurring basis to payees that you designate subject to the limitations described below, through a link to our secure Bill Pay provider site all via a single secure sign on to Miss Web.
BILL PAYMENT LIMITS
You may not schedule a single bill payment for greater than $10,000.
The daily maximum in total payments made through our Bill Pay system is $10,000. If you need to send payments that total more than $10,000, please contact us at (406) 523-3300.
"DELIVER BY" DATE vs. “SEND ON” DATE
When scheduling a bill payment, note the difference between the "DELIVERY BY" date and the “SEND ON” date. The “DELIVERY BY” date is the date you can expect the payee to receive your payment. The "DELIVER BY" date for your payment should be no later than the due date the payee has indicated for the payment.
The "SEND ON" date is the date we will attempt to deduct the payment amount from your desingated account. If the attempted deduction fails because you did not have enough funds in your primary account, we will send you an email indicating this situation. If the second attempted deduction is not successful, the transaction will be cancelled and you will be responsible for rescheduling. If the second attempted deduction is successful, the payment will be processed and remitted to the payee, however the “DELIVER BY” date will be one business day later. If you receive an email because the first attempted deduction was not successful, you should access Bill Pay to determine the date of the second deduction attempt.
If you schedule a payment with the "DELIVER BY" or “SEND ON” date as the current date, you must have adequate funds in your account at the time the payment is scheduled. The funds will be deducted shortly after you log out of the session. If you schedule a payment with the “SEND ON” date in the future, there must be adequate funds in your account when we attempt the deduction. This can occur anytime between 12:01 am and 4:00 pm EST.
If a properly scheduled payment is not received and posted on time by the payee, we will attempt to remove any late fees or assessed finance charges. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to add a note of explanation to your account to ensure that the situation does not negatively impact your credit rating.
The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:
- The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods.
- The payment was not made to a prohibited payee (see below) or the following type of payee:
- Payments to payees located in the Armed Forces Postal Codes, such as AE & AP
- Payments to settle securities transactions
- Payments to payoff special or delayed financing for purchases
- Payments to credit counseling agencies who pay creditors on your behalf
- The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).
- You had sufficient funds in your account during our first deduction attempt on the “SEND ON” date.
- Your access to Bill Pay was not restricted due to a delinquent loan.
- Missoula Federal Credit Union did not notify you that we are operating under emergency conditions.
We will only be responsible for the direct fees or finance charges associated with the late payment. We will not be responsible for any other consequential damages that might arise from the late payment.
We will not process payments on your behalf to payees meeting any of the following criteria:
- Designated by the Office of Foreign Asset Control as being a prohibited payee
- Having an address outside of the United States (except for APO)
- Court-ordered payments such as alimony, child support, speeding tickets, etc.
- Tax entities
- Collection agencies
- Any MFCU account including loans (instead: use the MissWeb Transfer tool or set up a scheduled transfer)
If a payment to a prohibited payee is inadvertently processed, the payment guarantee outlined above does not apply to that payment, and we reserve the right to not process a payment to that payee in the future.
CANCELLING BILL PAYMENTS
We may cancel a bill payment if we have reasonable belief that the payment is fraudulent. If we cancel a payment, we will attempt to contact you to inform you of this action.
You may cancel an outstanding bill payment at anytime through Bill Pay. Bill payments are considered outstanding until the “SEND ON” date.
You can cancel a “Recurring” transaction by verbal or written notice no later than 3 business days before the “SEND ON” date of the transaction by contacting Customer Service at the address or phone number listed in this agreement. If you call, we may also require you to put your request in writing and provide it to us within fourteen days. The notice must detail whether the cancellation applies to only one of the recurring transactions, or all transactions in the recurring stream.
INTERNET EMAIL NOTIFICATIONS
It is important to keep a current Internet email address on file with us, as we use this to communicate important security events about your account to you such as:
- User ID changes
- Internet email address changes (sent to old and new addresses)
- Adding New Payees
You may not terminate your participation in Bill Pay if you have outstanding bill payments scheduled. If you have no outstanding bill payments you can terminate service participation in writing or by phone to Missoula Federal Credit Union.
We may terminate your participation in Bill Pay for any reason, at anytime. We will attempt to notify you in advance, but we are not obliged to do so.
MFCU will terminate your Bill Pay service if:
- You begin Bill Pay service, but do not set up any merchants/payees within 60 days.
- You have added at least one merchantpayee, but have not scheduled ANY payments within 90 days of beginning Bill Pay service.
- Your payee list is empty for 90 days, but you have not terminated Bill Pay service.
- You have not added a payee or made a payment in more than 12 months.
There is no fee to use the Bill Pay program if you are using it with an eligible draft account. For all other draft accounts, the fee is $4/month, charged to the default account you enter in the system. Business accounts must have a signed Electronic Access Authorization form on file. For descriptions of our draft accounts and features please visit our draft accounts page.
Payments to merchants may be stopped for a $25 fee, not all payments may be stopped. Please contact us at (406) 523-3300 with your specific request. Requesting to have a payment stopped and credited back, instead of allowing the standard missing payment research/resolution process is also considered a stop payment.
TIMING of PAYMENTS
Bill Pay automatically deducts payments from your account at approximately 4:00 a.m. MDT, when scheduled at least one day in advance of the “send on” date. If payments can not be processed due to insufficient funds and there are no available overdrafting sources (below), the Bill Pay system will attempt to withdraw the payment again at approximately 10:00 a.m. MDT.
MFCU will transfer funds from the following sources if you do not have sufficient funds available in your draft account:
- Share Savings (S1) Account
- Other accounts you have designated
- Overdraft Protection Loan
- Privilege Pay
If we are unable to process the payment because of insufficient available funds due to the solutions above being exhausted or unavailable, and we are still unable to send the payment later that day, we will send you a final written notice You will receive a message within the Bill Pay system if payments are not paid.
If any transactions are rejected due to non-sufficient funds (NSF) or because you have exceeded the daily Bill Pay limit of $10,000, you will need to reschedule the rejected payment. NSF payments will only reject if they can not be paid through one of the sources listed above.
MFCU will block your use of Bill Pay if you are delinquent on any MFCU loan. Any scheduled payments will not be sent. You will need to reschedule these payments after the delinquent loan is brought current or make other payment arrangements.
Please read all messages regarding your payments. Message notification may be sent to the email address you have on file with the Bill Pay service and or will appear in the left corner of your screen, under the “Messages” area in Bill Pay.
SECTION II – WARRANTIES AND RESPONSIBILITIES
MEMBER RESPONSIBILITIES AND WARRANTIES
You are responsible for keeping your user id, password, and account data confidential. We are entitled to act on transaction instructions received through your user id and password. Our call center personnel are entitled to act on instructions after they have properly authenticated the caller according to our internal procedures.
If any of the accounts that you register under the Bill Pay service is a joint account, you confirm that your joint account holder has consented for you to use that account with the Bill Pay service. We will end your use of Bill Pay if any joint account holder notifies us that (i) they never consented to your use of Bill Pay, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account.
You warrant and represent that the information you are providing us with is true, correct and complete.
You agree not to impersonate any person or use a name that you are not authorized to use. You agree to promptly update your registration records if your e-mail address or other information changes.
You warrant that you will not use Bill Pay for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair Bill Pay or interfere with any other party’s use and enjoyment of the Bill Pay.
Missoula Federal Credit Union’s RESPONSIBILITIES AND WARRANTIES
If we do not provide a bill payment instruction on time, if we cause an incorrect amount to be removed from an account or if we cause funds from an account to be transferred to any account other than the account or payee’s account specified in the applicable bill payment instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper account or intended payee’s account.
We are liable for any losses and damages arising from our gross negligence or willful misconduct or if we breach a representation or warranty to you.
Limits of Missoula Federal Credit Union’s Responsibilities
EXCEPT AS EXPRESSLY SET FORTH ON OUR WEB SITE OR IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING NON-INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS.
WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE BILL PAY SERVICE, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Privacy and Security
- Where it is necessary for completing bill payments, or
- In order to comply with government agency or court orders, or
- If you give us your written permission.
SECTION III – ERRORS / CORRECTIONS / CLAIMS
Notify us AT ONCE if you believe your password has been lost or stolen or if you believe someone has scheduled payments or may schedule payments or otherwise use your account without your permission. Telephoning us at (406) 523-3300 or emailing us promptly is the best way to protect yourself from possible losses.
If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, 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 we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
Error Reporting Process
In case of errors or questions about the Bill Pay service, funds transfers or incorrect statements, email us or write us at 3600 Brooks ST, Missoula, MT 59801 or telephone us at (406) 523-3300. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
In your communication of the potential error or question,
- Tell us your name, and the account number of the Account to which the error relates.
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
- 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 determine whether we committed an error 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 take the additional 45 days, we will adjust the applicable accounts within 10 Business Days for the amount you believe is in error, so that you or your intended recipient will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within 10 Business Days, we may not adjust the applicable accounts.
We will tell you the results within three Business Days after completing our investigation. If we decide that we did not make an error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.
We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of other financial institutions. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays or other problems are the responsibility of the relevant financial institution or the intended recipient of funds. Any rights you may have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.
If you have questions or comments about the Bill Pay system, please contact Bill Pay support at 1-800-973-6475.