The Online Bill Pay service allows you to schedule bill payments through FCB On-Line. You can arrange, at your option, for the payment of your current, future and recurring bills from a FDIC – insured checking account or Money Market Account, up to the balance in your account, if applicable per payee/merchant each business day. There is no limit to the number of payments that may be authorized. Only one payment or one recurring payment may be sent to each payee on the same day. You may pay any merchant or individual approved by First Community Bank for payment through Online Bill Pay. We are unable to process any payments to federal, state, or local tax agencies.
By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instruction to these payees/merchants that you provide us via FCB On-Line. You may pay an unlimited number of payees using Online Bill Pay. When we receive a payment instruction (for the current or a future date), we will remit the funds to the payee on your behalf, from the funds in your selected FDIC-insured checking account or Money Market Checking, on the day you have instructed them to be sent (“Payment Date”). However, we shall not be obligated to make any such payment unless your account and/or overdraft protection plan has sufficient funds or credit availability to pay the bill on the Payment Date. Funds from ALL bill payments (whether these payments are made electronically or by check) will be withdrawn from your account on the day the payment is scheduled to be sent to the payee.
You have the right to stop or change any scheduled payment. You must cancel the payment by no later than 5:00 p.m. (Central Time), on the Payment Date by E-mail or calling First Community Bank Customer Service at (956) 399-3331 or (877) 399-3331. If your stop payment order is given to the Bank orally, you are required to confirm it, in writing, within 14 days of your oral notification. This written confirmation may be made by E-mail to us at Service@FirstCommunityBankTx.com or by mail to First Community Bank, Customer Service P. O. Box 2030, San Benito, Texas 78586. Your oral notification will cease to be binding if you fail to confirm it within 14 days. If we fail to stop a payment which you have previously authorized after you have timely and properly instructed us to do so, we will be liable for your losses or damages.
NOTE: Any payments made with Online Bill Pay require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance charge, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule payments: You should schedule the payment at least 5 full business days prior to the date the payment is due at your payee.
If you have timely scheduled a bill payment as required above and First Community Bank does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the merchant prior to this incident. We will also be liable to you, to the extent provided by law, if we fail to stop a payment pursuant to your timely order to do so as set out above. We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through which any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for any amounts other than as stated above and, specifically, will not be liable for any other direct, indirect, special, or consequential damages arising out of the use of On Line bill Pay.
First Community Bank reserves the right to terminate your use of Online Bill Pay at any time.
If, for any reason, you should wish to cancel FCB On-Line, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service or by calling Customer Service at (956) 399-3331 or (877) 399-3331. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.
When you give someone your Access ID and Password, you are authorizing that person to use the service and you are responsible for all transactions the person performs using the service. All transactions that person performs even those transactions you did not intend or want performed are authorized transactions. If you notify us that the person is no longer authorized, then transactions that person performs after the time you notified us are considered unauthorized. You agree to assume responsibility for all transactions through the service with your First Community Bank Access ID and Password, up to the limits allowed by applicable law.
Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.
First Community Bank will have no liability to you for any unauthorized payment or transfer made using your Access ID and Password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.
