Bill Pay Terms & Conditions

This is your bill paying agreement with Bay Cities Credit Union.

You may use our bill paying service, Bill Payer Plus, to direct us to make payments from your designated checking account to the “Payees” you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect governing your account.


Online Bill Pay stop payment charge: $30 each.
Online Bill Pay check copy: $20 per check.

There may be other charges for services such as expedited payments or miscellaneous services which are charged by our bill pay provider. These charges will be disclosed to you at the time of processing your transaction.


If you want to add a new “PAYEE”, select the “Payee” tab located in the program or you may speak to a service representative by calling or using live chat.

You may add a new fixed payment to a “Payee” by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.

We reserve the right to refuse the designation of a “Payee” for any reason.

You may pay any “Payee” within the United States (including U.S. territories and APO’s / AEO’s).

We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.


Single Payments – a single payment will be processed on the business day (Monday through Friday, except certain holidays) that you designate as the payment’s processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is 1pm PST.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date.

Recurring Payments – When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (weekends and certain holidays), it is adjusted based upon the following rules:

If the recurring payment‘s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.
If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.


The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”.


A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date.


Funds must be available by the daily cut off time.


You are solely responsible for controlling the safekeeping of and access to your Personal Identification Number (PIN).

If you want to terminate another person’s authority to use the Bill Pay service, you must notify us and arrange to change your PIN.

You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.

We are not responsible for a bill payment that is not correctly set up.

We are not liable for any failure to make a bill payment if you didn’t promptly notify us after learning that you have not received credit from a “Payee”.

We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent.


We have the right to change this agreement at any time by a notice mailed to you at the last address shown for the account on our record, by posting notice in our Service Center, or as otherwise permitted by law.


We have the right to terminate this agreement at any time. You may terminate this agreement by written notice to us.

We are not responsible for any fixed payment made before we have a reasonable opportunity to act on your termination notice.

You remain obligated for any payments made by us on your behalf.