You agree to keep your account information up-to-date and accurate. You agree not to use the Bill Pay Service to make: Any payment to settle securities transactions, Any payment to a Biller located outside the United States, or. If a payment order for any wire transfer is accepted by the Bank in compliance with the Wire Transfer Security Procedures, and the payment order contains any error, to the full extent allowed by law you shall be liable for, and shall indemnify the Bank against, the amount of the payment order and all claims and all of the Bank’s losses and expenses, including attorneys’ fees, relating to the erroneous payment order. Liability Provisions for Consumer Accounts, B. However, if we detect an error with respect to an Entry, we will attempt to give you notice of the error, and you agree to furnish to us corrections promptly via the systems that provide the ACH Payment Service or as we shall direct. You can lose no more than $50 if you notify the Bank within two (2) Business Days of discovering any unauthorized use of Online Banking or any loss, theft or unauthorized access to your Security Codes. Links and Frames. You can provide all of the information about the Receiver, including his/her Transaction Account, necessary to complete a transfer of funds. As described in this Section of the Online Banking Agreement, "you" or "your" means everyone that may be a business or consumer accountholder (joint or otherwise) on a BBVA Credit Card. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Transaction Account. You acknowledge and agree that we may not maintain the same level of security against unauthorized access to your account information as the third party sites from which you authorize the Service to retrieve information on your behalf. If you want to update or change your personal or Beneficiary information, you can do so through Online Banking or by calling Customer Service at 1-800-273-1057. You are responsible for any non-sufficient funds or overdraft charges authorized in the account agreement for the payment account. Prohibited Payments. Limitation of Liability. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL. When you give a telephone number directly to us, you consent and authorize us to place non-telemarketing telephone calls to you at that number, regarding any and all accounts you have with us, including accounts you may open in the future. We may terminate the Service and/or your access to the Service anytime and for any reason, without notice. We will not remind you that we may be monitoring or recording a call at the outset of the call unless required by law to do so. The purpose of the Security Procedure is to verify the authenticity of Remittance Transfer requests delivered to us in your name and not to detect errors in the transmission or content of the request. By providing information about you and your accounts to us, you are consenting to this use of the Content, both for yourself and for any other person who may have an interest in the Content. To the extent of any conflict between a provision in the following section and the rest of this Agreement, the following terms will control with respect to Consumer International Wire Transfers. By providing the Access Codes for a website, you also represent and warrant to us you are authorized to access the account information contained on the website. Security Procedures. By logging in to Online Banking through the Bank’s website, you may designate each Wire Transfer Account from which any Authorized Wire User may initiate wire transfers. We may terminate your use of the Service immediately and without notice to you if we discover you or someone using your Security Codes has used the Service in this manner. You agree and acknowledge that if we receive a Notice of Correction (“NOC”) file from another financial institution that results from an Entry you submit, the Entry that caused the NOC may be modified to reflect the corrected information received in the NOC and retransmitted. Limitation of Liability. Failed Or Returned Payment Instructions. Here is a checklist to help reveal vulnerabilities and set up processes to "Software" means any software used to access Online Banking other than an internet web browser used to sign in directly on the Bank's website at www.bbvausa.com. You may remove information about Third Party Accounts from the Service at any time by deleting each Third Party Account from the Service website. You agree to receive receipts of these transactions by this method instead of receiving receipts by mail, and also to review your transactions online to identify any unauthorized or unclaimed payments. An Online Account may be either a consumer account or a commercial account. We shall incur no liability if we are unable to complete any payments initiated by you if, through no fault of ours, the Transaction Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of any overdraft account that may be available to you. In addition to the terms provided in this Agreement, stop payment requests are governed by the applicable terms and conditions in your Account Agreement. If you phone us, we may request that you give us the information in writing. You also agree to pay and reimburse us for all governmental and third party fees or taxes arising out of or related to our providing the ACH Payment Service to you. We provide electronic funds transfer white label processing services to 60+ originating entities that operate a network of more than 60,000 points of sale in multiple countries. We have no responsibility or liability in connection with the products or services offered by these service providers or the content of their websites. We are only responsible for accurately presenting the information that we receive or obtain from the Payee. If you think there has been an error or problem with your Remittance Transfer: You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. For errors involving new accounts, the Bank may take up to ninety (90) days to investigate your complaint or question. In executing the payment order for any wire transfer, we may utilize such means of transmission as we reasonably select. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. Indemnification. You acknowledge and agree that, because of the automated systems used to provide ACH services, if you submit any Entry that contains an unapproved ACH debit file, batch or item, then: The Entry may be deleted from our ACH system and never settle with its intended recipient; The Entry may not settle with its intended recipient until a date after the original Requested Settlement Date; and. This Service enables you: (1) to initiate a Payment Instruction from your Transaction Account to an account at a U.S. financial institution; and/or (2) to receive a payment from another person into a Transaction Account, in U.S. dollars (or in gift card value, if applicable). Upon our request, an Originating Depository Financial Institution, or a Receiving Depository Financial Institution, you shall promptly furnish an original or copy of the Authorization Agreement to the requesting party. International Wire Transfer Service for Consumer Accounts, International Wire Transfer Service for Commercial Accounts, Domestic Wire Transfer Service for Consumer Accounts, Domestic Wire Transfer Service for Commercial Accounts, ACH Payment Service for Commercial Accounts. In the event you request that we close an account or your Online Banking profile, you acknowledge and agree that we may continue to send you alerts associated with that account or your Online Banking profile for a reasonable time thereafter until the closure process is completed. You hereby authorize us to deduct these amounts from your designated Transaction Account, including by ACH debit; You will reimburse us and our Service Provider for any fees or costs we incur in attempting to collect any amounts from you; and. Telephone the Bank at: 800-239-5175, or write the Bank at: Describe the suspected error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. If you have questions about mobile service, you may send a text message with the word "HELP" to this number: 767666. Secure Send℠ International Money Transfer. You are responsible for paying all fees associated with your use of the Service. If you opt-out, you will not receive any further Program offers, and you will not earn any Rewards on purchases you made after you opt-out, even if you were provided with an offer prior to opting-out. We have no obligation to detect errors with respect to any Entry. This notification is not required if you attempt to make a prohibited payment under this Agreement. In no event shall we or our Service Providers be liable for any claims or damages resulting from your scheduling of prohibited payments. You acknowledge and agree that in the event you request us to accept any Entry made using any security procedures other than the ACH Security Procedures (which we may accept or refuse at our discretion), then you will be deemed to have chosen other security procedures after we offered and you refused security procedures that were commercially reasonable for you, and you expressly agree to be bound by any Entry, whether or not authorized, issued in your name in accordance with such other security procedures. Any Remittance Transfer we have already processed before the termination date will be completed. A transfer request is not necessarily received by the Bank when you transmit the request. Your use of the Google Places API to receive address suggestions is subject to Google's Terms of Service. You authorize the Bank to deduct any applicable Usage Fee from the BBVA Online Account from which the Usage Fee arises. You agree to submit Payment Instructions for a payment only when there are or will be sufficient funds in the Transaction Account on the scheduled payment date to cover both that payment and any other items or charges to be paid from the Transaction Account. You may transfer funds via ACH through Online Banking, subject to the following restrictions and conditions: Subject to the following terms and conditions, you may use this Service to remit funds to a pre-designated beneficiary who has an account at a bank that is a member of our remittance network (the "Remittance Network”), as determined by the Bank. You agree that you will access and utilize the ACH Payment Service in accordance with our operating rules and procedures. You may use this Service to obtain balances and other information about those of your BBVA Online Accounts for which this Service is available ("Online Account Information"), and to download Online Account Information into your Software, subject to the following terms and conditions: Not all of your Online Account Information can be downloaded into your Software, and the Online Account Information available for download may not reflect all of the activity on your BBVA Online Accounts. Our records demonstrating compliance with the ACH Security Procedures with respect to any Entry will be deemed conclusive proof that the Entry received by us was authorized and you are bound by that Entry. Receiving Payments. Subject to the independent agreements that provide rules, terms, and conditions for each respective Rewards Program, you may use this Service to view your Rewards Program point balances. If we choose to provide the notice to you by mail, we may mail it separately or with other information to any address on our records for you. "Requested Settlement Date" means the date you initially request as the date for an Entry to settle with its Recipient. You agree to hold us and our service providers harmless should we or a Payee fail to deliver your monthly statement(s) or bill(s), or otherwise delay in such delivery. Your Agreement to Security Procedure. Payment Instructions initiated to Receivers are processed in two ways. Please check back on Thursday, September 14 for an update on the status of operations. You recognize that anyone possessing the Security Codes can access your Online Accounts and initiate transactions on those Accounts. Once registered for this Service, you authorize us to credit your Transaction Account for payments remitted to you on behalf of a Sender without further approval from you. below. You acknowledge and agree that, for any payment you make through this Service, the payment notice provided to the Receiver may show that the payment was sent through BBVA . We are not responsible for the security and confidentiality of any Online Account Information that you download using wireless connections, which may permit other persons to access the Online Account Information being downloaded. Your participation in the Program or your receipt of any Reward offered through the Program constitutes your acceptance of and agreement to the terms of the Program. Projected balances are based on information you have entered through the Service and may not reflect your actual deposit account balances. On the Wire Transfer Request Form, you may designate one or more Authorized Users (as defined in Section 4.C.iii) who are authorized to initiate wire transfers using the Wire Transfer Service (each, an "Authorized Wire User"). You may not assign all or any part of your rights or obligations under this Agreement without our prior express consent, which may be withheld in our sole discretion. All payment orders are subject to the Bank’s security review and may be delayed to a subsequent business day in order to confirm the authenticity of the payment order. Third Party Websites. If you are issued or required to create any password or other Security Codes (as defined in Section 3 of the Agreement) to access the Service or the portion of Online Banking through which the Service is offered, you agree to give or make available your Security Codes only to individuals who are authorized signers on your Transaction Account, and you agree to be responsible for all actions taken by anyone to whom you have provided the Security Codes. Both the … If you access Zillow content, you agree that you will not use Zillow data for any other purpose than for your individual use. It is solely your responsibility to obtain and maintain all usernames and passwords required by any Biller, and to update or otherwise change your personal information (such as name, address, phone numbers and email addresses) with any Biller from which you receive electronic bills. Canceling a Scheduled Payment. When scheduling a bill payment, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement. Any obligation that the Bank may have, whether under the applicable Account Agreement or otherwise, to verify two or more signatures before making payment from any BBVA account does not apply to transfers and electronic payments requested through Online Banking. A "commercial" account is an account established primarily for purposes other than personal, family or household use. Authorized Wire Users. The Program may be provided directly by the Bank or indirectly through a Service Provider. Termination will not affect your liability or obligations under this Agreement any international wire transfer we have processed on your behalf. For example, if you have included your BBVA checking account within your subscription to Online Banking, your use of Online Banking does not affect the terms and conditions of the Account Agreement for that checking account. By agreeing to receive text messages through the Service, you are also consenting to receive a final confirmation text message if and when you choose to opt out of receiving text messages through the Service. Any reference in this Agreement to the Bank also shall be considered a reference to any service provider performing services under this Agreement on behalf of the Bank. In addition, a bank may report any transaction of any amount that alerts its suspicions. The Bank will tell you the results within three (3) Business Days after completing its investigation. Frequently Asked Questions. By requesting the Bank to include any of your BBVA accounts as an Online Account, you waive any right you may have to require the Bank to verify two or more signatures or before making payment from that BBVA Online Account, and you release the Bank from liability for any and all claims that arise from or relate to the Bank's payment of a transfer or electronic payment requested and authorized through Online Banking by only one person. We use this cookie to identify you as a user of the service when you enter the website and to make the re-entry of login information unnecessary when browsing outside the Service. You may request transfers that are to be processed currently, or you may request future-dated transfers, either one-time or recurring, from designated types of BBVA Online Accounts you own, as described more fully in the Online Terms. The transfer literally happens in approximately 10 minutes or less, with the advantages of delivery of funds to the recipient and payment confirmation for the sender within that same timeframe.” Gloetzner goes on to say that the real time nature of BTS transfers … You may also add information about accounts you maintain at other institutions and that are accessible through the Internet ("Third Party Accounts"). You understand and agree that, unless we, in our sole discretion, elect to do so, we will not verify the terms of any Entry submitted through the ACH Payment Service. The information and Content provided to you through the Service is for informational purposes only, and is not intended for transactional or trading purposes. We will transfer to the Remittance Network Member the Remittance Transfer currency amount, and are not responsible for payment of any fees, charges or taxes imposed by the Remittance Network Member. "Entry Window" means those specific times in each Business Day during which we may collect and process Entries via our ACH systems. If you request two or more such transfers, only the first transfer request will be transmitted. In case of errors or questions about transfers or bill payments initiated through Online Banking to or from any consumer BBVA Online Account, contact the Bank immediately. In each such case, you agree that: You will reimburse us or our Service Provider immediately upon demand the amount of the Payment Instruction if we have delivered the payment but there are insufficient funds in, or insufficient overdraft credits associated with, your Transaction Account to allow us to complete the debit processing; For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed by us or our Service Provider; You may also be assessed a fee by our Service Provider and by us if we have delivered the payment but there are insufficient funds in, or insufficient overdraft credits associated with, your Transaction Account to allow us to complete the debit processing to cover the payment, or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your fee schedule from us (including as disclosed in Online Banking) or your account agreement with us. Has your business outgrown your treasury processes? "Rules" mean the operating rules and operating guidelines of the applicable regional clearing house association and NACHA. Due to circumstances beyond the Bank's control, particularly delays by Billers in handling and posting payments, some Scheduled Payments may take longer than expected to be credited to your account with a Biller. BBVA provides promotional rewards programs applicable to credit card accounts, including without limitation: Points, Rewards Card, Select Credit Card, BBVA American Express Card, and Business Rewards (referred to collectively as “Rewards Programs”). The Bank’s records demonstrating compliance with the Wire Transfer Security Procedures with respect to any payment order will be deemed conclusive proof that the payment order received by the Bank was authorized and you are bound by that payment order. 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