Bill Pay Agreement

Bill Pay Agreement with Marquette

View our Bill Pay Agreement PDF

Bill Payment Service

This is your bill paying agreement with Marquette Savings Bank. You may use Marquette Savings Bank’s bill paying service, bill pay, to direct Marquette Savings Bank to make payments from your designated checking (account) to the Merchants 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 from time to time governing your account (the account rules).

"You" or "your" means each person who signs the bill paying enrollment form or is otherwise authorized to use the service. "Merchant" means anyone, including Marquette Savings Bank, you designate and Marquette Savings Bank accepts as a payee.

How to Set Up Merchants/Payments

When you sign onto the bill pay system you will establish your list of merchants by selecting the add button on the "set up accounts" and "payee screen." You may add a new fixed payment for any merchant but only if they are on your authorized list of payees. If the merchant is not set up for electronic payments, the service will generate a paper check for payment. The check will carry your account number and will clear directly through your account. A unique check number will appear on your statement for easy recognition. Marquette Savings Bank reserves the right to refuse the designation of a merchant for any reason.

Marquette Savings Bank is not responsible if a bill payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a merchant or if you attempt to pay a merchant that is not on your authorized payee list.

The Bill Paying Process

Marquette Savings Bank will process variable payments on the business day (generally Monday through Friday, except holidays) you designate the bill is to be processed, provided the payment request is received prior to the cut-off time set by Marquette Savings Bank, which is currently 3:00 p.m. CST. Variable bill requests received after the business day cut-off time, or at any time on a non-business day will be processed on the next business day. Marquette Savings Bank reserves its right to change the cut-off time by giving you notice if it changes.

FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, YOU MUST SELECT THE OPTION OF "LAST BUSINESS DAY" FOR PROCESSING TO ALWAYS BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed on the next business day.

YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, FOR EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT (IT IS THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS). Due to circumstances beyond our control, some merchants take longer to post payments than others. We suggest sending your first payment eight (8) business days in advance of the due date. After your first payment has posted you will have a better understanding of how much time to allow for each merchant.

You must select a payment date that is at least five (5) business days before the actual due date reflected on your payee statement. If your actual due date falls on a non-business day you must select a payment date that is at least one business day before the actual due date. Payment dates should be prior to any late date or grace period.

When you have scheduled a payment, you authorize Marquette Savings Bank to debit your payment account and remit funds on your behalf. You certify that your payment account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments from using the bill pay service.

The bill pay service will incur no liability and a service guarantee shall be void if the bill pay service is unable to complete any payments initiated because of any of the following:

  1. You have not provided the bill pay service with the correct payment account information, or the correct name, address, phone number, or account information for the merchant upon initiation of the payment;
  2. Circumstances beyond the control of the bill pay service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the bill pay service has taken reasonable precautions to avoid those circumstances;
  3. The payment-processing center is not working properly and you know or have been advised by the bill pay service about the malfunction before you execute the transaction;

You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to Marquette Savings Bank. Marquette Savings Bank reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the account and Marquette Savings Bank has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree Marquette Savings Bank, at its option, may charge any of your accounts with Marquette Savings Bank to cover such payment obligations.

The bill pay service reserves the right to select the method in which to remit funds on your behalf to your merchant.

Any bill payment can be changed or canceled, provided you access the service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated.

Returned Payments

In using the service, you understand that the service and/or the United States Postal Service may return payments for various reasons, such as, but not limited to, the service account number is not valid; the service is unable to locate account; or payee account is paid in full. The service will use its best efforts to research and correct the returned payment, or void the payment and credit your payment account. You may receive notification from the service.


  • You are solely responsible for controlling the safekeeping of, and access to, your password.
  •  You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority.
  •  If you want to terminate another person's authority, you must notify Marquette Savings Bank and arrange to change your password.
  • You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
  • Marquette Savings Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a bill payment.
  • Marquette Savings Bank is not liable for any failure to make a bill payment if you fail to promptly notify Marquette Savings Bank after you learn that you have not received credit from a merchant for a bill payment.
  • Marquette Savings Bank is 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 Marquette Savings Bank's agent. In any event, Marquette Savings Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if Marquette Savings Bank has knowledge of the possibility of them. Marquette Savings Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond Marquette Savings Bank's reasonable control.

Amendment, Suspension & Termination

Marquette Savings Bank has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on Marquette Savings Bank's records, by posting notice in branches of Marquette Savings Bank, or as otherwise permitted by law.

Marquette Savings Bank has the right to temporarily suspend your use of the service due to insufficient funds when bill pay items are presented and returned to avoid overdrawing your designated account.

Marquette Savings Bank has the right to terminate this agreement at any time. You may terminate this agreement by written notice to Marquette Savings Bank. Marquette Savings Bank is not responsible for any fixed payment made before Marquette Savings Bank has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by Marquette Savings Bank on your behalf.


If at least one bill is paid per cycle, there is no fee for the bill paying service. A cycle is defined as the day of the month you begin bill pay service, up until that date the following month. For example, if you began bill pay on the 12th of the month, your cycle would be monthly beginning on the 12th through end of business on the 11th of the following month. A $7.50 inactivity fee will be assessed each cycle no payment is made.

Additional Charges for Customer requested Services and Other Items

These charges will only be assessed if you request one or more of the services listed here. There will be NO charge for any item if needed to correct a Marquette error.

  • Return Check due to Subscriber Error: $32.00
  • Return ACH items due to Subscriber or Bank Error: $32.00
  • Check Copy Mailed or Faxed to Subscriber or Bank: $15.00 minimum
  • Check Copy Mailed to Merchant: $15.00 minimum
  • Stop Payment: $32.00
  • Overnight Carrier Delivery Charge per item: $15.00 minimum
  • Expedited Same Day Electronic payment: $5.00
  • Research Fee for items over 8 months old: $25.00 minimum

Marquette Savings Bank reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred.

Some bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement included, or, received when you opened your account, which discloses important information concerning your rights and obligations.


Neither Marquette Savings Bank nor its suppliers will be liable for any transaction if: (i) you do not have enough money in your account to complete the transaction; (ii) a legal order prohibits withdrawals from your account; (iii) your account is closed or has been frozen; (iv) the transaction would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts; (v) you, or anyone you allow, commits fraud or violates any law or regulation in connection with online banking or online financial services; (vi) any electronic terminal, telecommunication device or part of the electronic fund transfer system is not working properly; (vii) you did not provide us with complete and correct payment or transfer information; (viii) you did not properly follow the instructions for use of online banking or online financial services; (ix) you knew that online banking and/or the online financial services were not operating properly at the time you initiated the transaction or payment; (xi) there is postal delay; or (xi) circumstances beyond our control (such as fire, flood or improper transmission or handling by a third party) that prevent, hinder or delay the transaction.

Unauthorized Transactions

You should notify us immediately if you believe anyone has improperly obtained your password or if you suspect any fraudulent activity in your account(s). If your password has been compromised and you tell us within two (2) business days of discovering the loss or misappropriation, you can lose no more than $50. If you do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in a timely manner. You should contact us, or the bill payment provider, as applicable, as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we have sent the first statement on which the problem or error appeared (If you notify us verbally, we may require that you send us your complaint or question in writing or electronically within ten (10) business days). If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays.

When you report a problem or discrepancy, please: (i) tell us your name and account number; (ii) describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) for a bill payment, tell us the number of the account used to pay the bill, the applicable payee name and account number, the date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, after we hear from you. However, we may take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to complete our investigation. If you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your account. If we confirm an error, we will correct your account record within ten (10) business days, or twenty (20) business days in the case of point of sale or international transaction. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation.

Electronic Mail (Email)

Sending an email is a very good way to communicate with Marquette regarding your accounts or the online financial services. However, your e-mail is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any email to Marquette. You cannot use email to initiate online financial service transactions. All such transactions must be initiated using the appropriate functions within the online banking site. Marquette Savings Bank will not be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.

Disclosure of Information

Information submitted to Marquette Savings Bank or its suppliers is the property of those parties, and they are free to use and disclose that information, or any ideas, concepts, know-how or techniques contained in that information to any third party for any purpose whatsoever, except as specifically agreed by Marquette Savings Bank or prohibited by law.

Links to Other Sites

Information that Marquette Savings Bank publishes on the world wide web may contain links to other sites and third parties may establish links to Marquette Savings Bank’s site. Marquette Savings Bank makes no representations about any other web site that you may access to, from or through this site. Unless expressly stated in writing, Marquette Savings Bank does not endorse the products or services offered by any company or person linked to this site nor is Marquette Savings Bank responsible for any software or the content of any information published on the site of any third party. You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs.

Virus Protection

Marquette Savings Bank is not responsible for any electronic virus that you may encounter using the online fund services. We encourage you to routinely scan your computer and diskettes using reliable virus protection product to detect and remove viruses. If undetected and unrepaired, a virus can corrupt and destroy your programs, files and hardware.

Damages & Warranties

In addition to the terms previously disclosed, Marquette Savings Bank is not responsible for any losses, errors, injuries, expenses, claims, attorney’s fees, interest or other damages, whether direct, indirect, special, punitive, incidental or consequential, (collectively, “losses”) caused by online banking or the use of the online financial services or in any way arising out of the installation, use or maintenance of your personal computer hardware or software, including any software provided by Marquette Savings Bank or one of its suppliers. In addition, Marquette Savings Bank disclaims any responsibility for any electronic virus(es) customer may encounter after installation of such software or use of online banking or the online financial services. Without limiting the foregoing, neither Marquette Savings Bank nor its suppliers shall be liable for any: (i) failure to perform or any losses arising out of an event or condition beyond their reasonable control, including but not limited to communications breakdown or interruption, acts of God or labor disputes; or (ii) the loss, confidentiality or security of any data while in transit via the Internet, communication lines, postal system or ACH network. Marquette Savings Bank and its suppliers provide online banking and the online financial services from their own sites and they make no representation or warranty that any information, material or functions included in online banking or the online financial services are appropriate for use by you in your jurisdiction. If you choose to use online banking and/or the online financial services, you do so on your own initiative and are solely responsible for compliance with applicable local laws and regulations. Neither Marquette nor its suppliers warrant the adequacy, accuracy or completeness of any information provided as a part of online banking, the online financial services, or contained in any third party sites linked to or from Marquette’s web site. MARQUETTE SAVINGS BANK MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF ONLINE BANKING, ONLINE FINANCIAL SERVICES, OR ANY SOFTWARE THAT MAY BE USED IN CONNECTION WITH SAME. MARQUETTE SAVINGS BANK DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ERROR-FREE OPERATION.


Customer shall indemnify, defend and hold harmless Marquette Savings Bank and its officers, employees, trustees, suppliers and agents, in their individual capacities or otherwise, from and against any losses arising out of: (i) Customer’s negligence; (ii) Customer’s failure to comply with applicable law; or (iii) Customer’s failure to comply with the terms of this agreement.

Additional Remedies

Due to the likelihood of irreparable injury, Marquette Savings Bank shall be entitled to an injunction prohibiting any breach of this agreement by customer.

Termination and Changes in Terms

Marquette Savings Bank reserves the right to terminate this agreement or to change the charges, fees or other terms described in this agreement at any time. When changes are made, we will notify you by: 1) electronic mail; 2) physical mail at the address shown in our records; and/or 3) update of our web site.

Applicable Rules, Laws & Regulations

You submit to the jurisdiction of, and this agreement shall be governed by the laws of, the commonwealth of Pennsylvania, U.S.A., as well as the federal laws of the U.S.A. Venue for any action arising out of this agreement shall be in a state court of competent jurisdiction covering Erie, PA, U.S.A. The prevailing party in any such action shall be entitled to the recovery of its reasonable attorney’s fees, costs, and expenses.


Marquette Savings Bank may assign its rights and/or delegate all or a portion of its duties under this agreement to a third party.


This agreement constitutes the entire understanding of the parties with respect to the subject matter of this agreement, and all prior agreements, understandings and representations concerning such subject matter are cancelled in their entirety. Notwithstanding the foregoing, this agreement is in addition to any other agreements between you and Marquette Savings Bank.


If there is a conflict between the terms and conditions of this agreement and one or more terms contained in another agreement between you and Marquette Savings Bank, this agreement will control.


Marquette Savings Bank shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of its rights under this agreement. No waiver by Marquette Savings Bank of a breach of this agreement shall constitute a waiver of any prior or subsequent breach of this agreement.

Force Majeure

Neither party shall be liable for any loss nor damage due to causes beyond its control, including fire, explosion, lightning, pest damage, power surges or failures, strikes or labor disputes, water, acts of God, the elements, war, civil disturbances, acts of civil or military authorities or the public enemy, inability to secure raw materials, transportation facilities, fuel or energy shortages, acts or omissions of communications carriers, or other causes beyond that party’s control. Either party may terminate this agreement immediately on written notice if the other party is prevented from performing its obligations under this agreement for a period of more than thirty (30) days due to the reasons set forth in this subsection.


This agreement shall be construed equally against the parties regardless of who is more responsible for its preparation. If there is a conflict between a part of this agreement and any present or future law, the part of this agreement that is affected shall be curtailed only to the extent necessary to bring it within the requirements of that law.


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