Home Banking Bill Payment Service

The Home Banking Bill Payment Service, powered by Metavante, enables members to make payments from a primary checking or checking account (“Payment Account”) to third parties that have been established in advance to receive payment (“Payee”). Only one Payment Account may be designated per member. You may make payments through this service to businesses, merchants or professionals that allow use of this service. Payments may only be made to payees with a United States payment address. You may not make a payment of alimony, child support, taxes, or other governmental fees or court-directed payments through this service. The bill payment service processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays (“Payment Dates”). If a payment is scheduled on a Sunday, the payment will be processed on the day before (Saturday).

To use this service, you must be an existing Home Banking user and you must register separately for the bill payment service. You may register for this service online.

Once you are an established bill payment service user, you may set up the following types of payments:

Single Payment: Payment is scheduled to be made one time to a Payee. Recurring Payment: Payment is scheduled to be automatically made to a Payee in a fixed amount on the same Payment Date every month. If a Payment Date does not exist in a certain month, the payment will be initiated on the day before during that month unless that date is a Sunday, in which case the payment would be initiated on a Saturday. Payments may be scheduled weekly, monthly, semi-monthly, quarterly, semi-annually and annually. Weekly recurring payments may not be scheduled on Saturdays. You will be provided with a confirmation number for each payment scheduled using the bill payment service. The confirmation number will help to resolve any questions that you may have.

Duplicate payments will not be processed. A duplicate payment is one that is scheduled to be made to the same Payee on the same date, in the same amount as a pending payment status payment. The amount of any single or recurring payment cannot exceed $9,999.00. A duplicate payment warning will be displayed if this occurs.

The bill payment service is available 24 hours a day, seven days a week with the exception of regularly scheduled maintenance periods. Payments may be scheduled during any other time. When Payee information is added using the bill payment electronic database it is available immediately. If a new Payee is not included on the database it will take one business day to become available. All other updated information is available immediately.

The bill payment service processes payments using processing dates rather than due dates. Payments are initiated on the process date designated by the member. Payees should be in receipt of payment within 3 banking business days after the processing date for electronic payments and within 5 banking business days if the payee is paid by check (dependent upon postal service). On the process date, the bill payment service generates an ACH debit in the amount of the bill payment to your Payment Account. Your Payment Account should be debited within two banking business days.

Electronic payees may receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees may receive a paper check. The method employed depends upon whether the Payee has established an electronic relationship with the bill payment service and is included in the bill payment service electronic payee database.

A member may select Payees from the bill payment service database. If a Payee is not included in the database, it may be added by the member using the Add Payee function. Payees not included in the bill payment service database will not be available until one business day following their addition.

Pending payments may be edited or cancelled up until their process date. Payments remitted electronically cannot be stopped after their process date.

If you select an electronic payee address from the bill payment service database that matches your payment coupon exactly and the payment is routed to a different payment center, the bill payment service is responsible for the late charge and will reimburse any payee-imposed late fees up to a maximum of $50.00. If you select an electronic payee with an address that differs from that shown on the payment coupon, you are responsible for the late charges and late fees.

Every effort will be made to ensure that all payments are made promptly. However, we shall incur no liability if we are unable to complete any payments initiated by you through the bill payment service because of the existence of any one or more of the following:

If, through no fault of ours, your Payment Account does not contain sufficient funds to complete the transaction, or the transaction would exceed funds available through overdraft protection established for the Payment Account;

The bill payment service or Home Banking is not working properly and you know or have been advised by us about the problem before you execute the transaction;

The Payee mishandles or delays a payment sent by us;

You have not supplied, in the case of a Payee not included on the electronic database, the correct name, phone number or account information for the Payee, or you have not provided us with accurate personal information either during sign-up or you have otherwise provided incomplete payment instructions;

Circumstances beyond our control (such as, but not limited to, fire, flood, mail delays, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.

The institution reserves the right to refuse to pay any Payee to whom you may direct a payment if it reasonably believes that such refusal is necessary for security purposes or any other reason.

You may cancel the bill payment service at any time. To cancel this service please contact Allied First Customer Service at 1-800-272-3286 or 630-554-8899 or send us cancellation instructions in writing to Allied First Bank, 3201 Orchard Rd, Oswego, IL 60543. If notified by telephone, we may request that you put your request in writing.

Allied First may cancel the service, in whole or in part, at any time without prior notice. Cancellation shall not affect your liability or obligations under this agreement.

The information contained within any electronic bill is provided by the Payee. As such, we are not responsible for the content of any such information and any questions or comments pertaining to data contained within an electronic bill must be directed to the Payee. We assume no responsibility for the accuracy of the information contained within any electronic bills received through the bill payment service. If there is a discrepancy or other problem pertaining to any electronic bill, the Payee must be contacted directly at the customer service telephone number indicated on the bill.