This is your bill paying agreement with Elizabeth, NJ Firemen’s Federal Credit Union.
You may use Elizabeth,
NJ Firemen’s Federal Credit Union bill paying service, Bill
Pay E-Plus, to direct Elizabeth, NJ Firemen’s Federal Credit
Union 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.
Our members receive 15 free bill payments a month. A fee of $.50 each
will be charged for payment 16 and up.
An inactivity fee of $4.95 will be
charged monthly if you have signed up for Bill Pay E-Plus but don’t make 2 or more transactions that month.
ACCESSING THE SERVICE
When you complete your bill
paying enrollment form, you will select a User I.D. and a Personal Identification Number (PIN).
The Financial Institution will
make every effort to accommodate your request.
Each time you access the service,
you will be asked to enter your User I.D. and PIN.
Three (3) incorrect login attempts
will cause the account to be locked out.
HOW TO SET UP PAYEES/PAYMENTS
If you want 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.
The Financial Institution reserves
the right to refuse the designation of a “Payee” for any reason.
You may pay any “Payee”
with-in the United States (including U.S. territories and APO’s / AEO’s).
The Financial Institution is not responsible
for payments that can not be made due to incomplete, incorrect, or outdated information.
BILL PAYING PROCESS
Payments – a single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payment’s processing date, provided the payment is submitted prior
to the daily cut-off time on that date. The daily cut-off time, which is controlled
by the Financial Institution, is currently 2:00 PM.
A single payment submitted after the cut-off
time on the designated process date will be processed on the next business day. If
you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment
will be processed on the first business day following the designated processing date.
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 certain holidays), it is adjusted based upon the following rules:
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.
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.
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.
AND RECURRING PAYMENTS
The system 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”.
A bill payment can be changed or cancelled anytime
prior to the cutoff time on the scheduled processing date.