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FirstMerit Online Bill Pay Terms and Condition
Note: All references to the "Service" reflect the Online Bill Payment Service offered by FirstMerit Bank, N.A through CheckFree Services Corporation. Checkfree is an independent third party not affiliated with FirstMerit.
Service Definitions
Payments Scheduling and Service Agreement
Payment Authorization and Remittance
Payment Methods, Cancellations, and Stops
Prohibited Payments and Exceptions
Bill Delivery and Presentment
Exclusions of Warranties | Password and Security
Your Liability for Unauthorized Transfers | Errors and Questions
Disclosure of Account Information | Service Fees and Charges
Failed or Returned Transactions | Alterations and Amendments
Address or Banking Changes | Service Termination or Cancellation
Returned Payments and Disputes
No Waiver, Captions, and Governing Law
FAILED OR RETURNED TRANSACTIONS

The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement. In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:

  1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;
  2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;
  3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return;
  4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,
  5. The Service is authorized to report the facts concerning the return to any credit reporting agency.

ALTERATIONS AND AMENDMENTS

This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.