You are responsible for any payment you make through our Online Bill Payment. Insufficient funds may lead to additional fees and suspension or termination of service. If we send a payment on your behalf and you do not have sufficient funds when we attempt to debit your account, the following will occur:
1. Your payment will still be sent.
2. Our payment processor will notify you by email of the insufficient funds, giving you 1 day to make additional funds available to your payment account.
3. On the next day we will attempt to debit your account again. If you still do not have sufficient funds to cover the payment, we will attempt to reverse the payment from your payee.
- If the payment is reversible, our payment processor will notify you by email that the payment was reversed.
- If the payment is not reversible, our payment processor will send you a second email to notify you of the insufficient funds. You will have 5 days to resolve the balance directly with our payment processor.
4. If after 5 days, you have not resolved your balance, we will freeze your Online Bill Payment access and notify you by email. You then have 30 days to resolve your balance directly with our payment processor.
5. If after 30 days you have not resolved your balance, you will receive a final email notice that your account will go into collections if you do not resolve your balance in 20 days.
6. If after 20 days, you have not resolved you balance, we will cancel your Online Bill Payment service and submit your account for debt collection and notify you by email.
Based on your previous payment history and your payee’s outstanding payments, we may send a laser draft check to your payee. A laser draft check is a check drawn on your account, similar to a personal check. If you have insufficient funds at the time the check is deposited, the process will be the same as a bounced personal check.