eSERVICES
To use Bill Payer, you must be a member of Greater Iowa Credit Union, have a share draft (checking) account, and register for a PIN (Personal Identification Number) to access Greater Iowa Online and/or Tellerphone.
There is no monthly or per item fee to use Bill Payer.
To use Bill Payer, funds must be available on the withdrawal date indicated on the Bill Payer screen. The system will automatically withdraw the funds on that day and send the payment to the designated payee or merchant.
The Bill Pay Center will send a payment either by check through the U.S Postal Service or electronically through the Automated Clearing House. If Bill Payer sends a payment by U.S. Postal Service, the Credit Union is not responsible for late payments due to mail service or circumstances beyond the control of the Credit Union.
In the event funds are not available in your account and you are set up with overdraft protection, the Credit Union will transfer funds to your share draft (checking) account. An overdraft transfer fee of $3.00 plus tax will be charged to your share draft (checking) account.
If there are insufficient funds in your account, the system will attempt to process the request for two additional business days. If after three attempts the funds are still unavailable, the payment will be rejected as a non-sufficient funds (NSF) item. A notice of insufficient funds will be mailed and a fee of $20.00 will be charged to your share draft (checking) account. In the event of continued failure to have sufficient funds in your share draft (checking) account, the Credit Union reserves the right to terminate your Bill Payer service without prior notification.
You must input the correct address and account information in order to make a payment using Bill Payer. The Credit Union is not responsible for late payments or non-payments because of errors due to incorrect entry of a payee or merchant address or account numbers.
Bill Payer cannot be used to pay fees, fines, or taxes to any city, county, state or federal government agency or any private or public collection agency. Additional payments not allowed by Bill Payer include court-ordered payments such as alimony, child support, and speeding tickets, non-U.S. payees, or terrorists. Payments for Municipal Utilities are permitted.
Maximum payment for Bill Payer is $9,999.99 for one payment or total payments for the day.
Our Bill Payer service is generally available 24 hours a day, 7 days a week. However, we only process Bill Payer payments at the start of the business day. Our business days are Monday through Saturday, except holidays.
It is your responsibility to check any messages displayed on Greater Iowa Online Bill Payer pertaining to your account.
You cannot stop a payment that has already been sent. It is your responsibility to collect any overpayment of funds you have made to a payee or merchant. You may cancel or modify a payment prior to the time of withdrawal from your account.
You agree to be bound by and comply with the requirements for Greater Iowa Online and any regulations and laws pertaining to Greater Iowa Online, Bill Payer, or any online application.
We reserve the right to terminate your use of Bill Payer, in whole or in part, at any time without prior notification.
If you wish to cancel Bill Payer, all merchants and payees will be deleted and no further payments will be made from your account. Any charges for Bill Payer services will be canceled on the next billing cycle. The Credit Union will not be responsible for payments not made after the cancellation of Bill Payer service.
You agree that you will not give your TellerPhone/Greater Iowa Online PIN or make it available to any other person. If you believe that your PIN has been lost or stolen, or that someone has made payments using your PIN without permission, notify Greater Iowa Credit Union IMMEDIATELY by phone at (515) 232-6310 or (800) 296-9064.
If you elect to cancel Bill Payer, we reserve the right to require written notice of cancellation. You will be responsible for all payments you have requested prior to cancellation and for all other related charges, fees and taxes incurred before you cancel Bill Payer.
The Credit Union may change the Bill Payer Terms, Conditions, Disclosures, and applicable fees at any time and will notify you of any such change. Your use of Bill Payer following the receipt of such notice constitutes acceptance of any change.
These Terms, Conditions and Disclosures shall be governed by and construed in accordance with the laws of the State of Iowa, to the extent not preempted by applicable federal law.
Liability of Bill Payer
Greater Iowa Credit Union will not be responsible for any malfunction, missed payments, finance charges, late fees, any court order or legal process preventing us from making a payment. The Credit Union is not liable for problems due to failure of an Internet service provider; malfunction of equipment, phone lines or computer systems; errors in drafting a bill payment or errors designating addresses, amounts or account numbers or your failure to maintain sufficient funds in your designated share draft (checking) account. You may request an additional copy of the Bill Payer agreement at our office or by contacting a Member Service Representative at (515) 232-6310 or (800) 296-9064.
Greater Iowa Credit Union is an equal opportunity lender and a member of the NCUA. All deposits at Greater Iowa Credit Union are
insured up to $100,000 through the National Credit Union Association. An additional $250,000 insurance is provided by Excess Share Insurance Corp.
