Bill Management

Star One recommends that you schedule your payments several days in advance of the due date on your bill.

The earliest available pay date is displayed in the calendar widget.

Scheduled payment dates should be prior to any late date or grace period. Do not include grace periods in scheduling your bills.

Electronic payments are to be debited from your account on the scheduled due date.

Direct Checks will not debit your account until the check has been deposited by the payee. You may view Direct Checks in Online Banking.

To determine your payment type, click on the "View History" link. It will display a table that shows your current payments. Here you will find the delivered by date and delivery type (Electronic or Check).

Direct Checks have a 6-digit check number that begins with 88.

Star One Credit Union cannot guarantee that payees will credit funds received on your scheduled payment date.

For this reason, we recommend that you schedule your payments several days in advance of the due date on your bill.

The Credit Union will bear responsibility for any late-payment-related charges up to $50.00 if a payment posts after its due date, as long as the payment was scheduled in accordance with the guidelines described under "How to avoid paying late" above.

Responsibility for paying the maximum $50 late fee or finance charge penalty:
Reason for Late Payment	Star One	Member
Lost
Not sent as scheduled
Sent to wrong location
U.S. Mail delay
Undetermined
Posting delay by Payee
Scheduled incorrect number of days prior to Due Date (included grace period)
Scheduled incorrectly
Incorrect Payee information provided by member
Payment to Payee outside of the U.S.

The Credit Union shall incur no liability if we are unable to complete any payments because:

1. There are insufficient funds available in your checking account, or the transaction would exceed the limit of your overdraft coverage;
2. The payment processing center is not working properly and you know or have been advised by the Credit Union about the malfunction before you execute the transaction;
3. You have not provided the Credit Union with the correct Payment Account information;
4. You scheduled a prohibited payment (a payee outside of the United States or its territories);
5. Circumstances beyond control of the Credit Union.

If we are unable to complete the transaction for any reason associated with your payment account, the transaction will not be completed. You may receive a return notice from the Credit Union. In such case, you agree that:

1. You will reimburse the Credit Union the transaction amount;
2. You will reimburse the Credit Union for any fees imposed as a result of the return;
3. You will reimburse the Credit Union for any fees it incurs in attempting to collect the amount of the return from you; and,
4. The Credit Union is authorized to report the facts concerning the return to any credit reporting agency.

Your Pay Bills Service account may be frozen if you have insufficient funds available in your checking account. You will receive a written and e-mail notice from our Pay Bills Service vendor.