"Requested Settlement Date" means the date you initially request as the date for an Entry to settle with its Recipient. You may use the Popmoney Service to send, receive, and request payments through the system described below. Your Agreement to Security Procedure. below. Overdraft Protection Transfer Fee: $12: Returned Item: $38: Stop Payment: $32: Deposited Item Returned: $15: Domestic Wire Transfer (incoming) $15: International Wire Transfer (incoming) … Accordingly, some of the above limitations may not apply to you. If you wish to cancel the Service, you may contact us as set forth in Section 8.H below. The third party online service providers where you established your Third Party Accounts are solely responsible for the products and services they provide to you. For non-U.S. Dollar Remittance Transfers, the amount to be sent to your Beneficiary will be converted from U.S. We reserve the right to refuse or cancel your enrollment in Online Banking if we cannot verify your identity or confirm information about you. You agree to indemnify and hold harmless BBVA, our subsidiaries and affiliates, successors and assigns, all officers and employees thereof, and our service providers, from any and all third party claims, liability, damages, and to be responsible for all expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from your use of the Service, your violation of this Agreement or your infringement of any intellectual property or other right of anyone, or caused by or arising from the use, violation or infringement by any other user of your subscription. Returned Payments/Credits to Your Payment Account. "Fed" means the Federal Reserve Bank, to which all Entries for Recipients to be paid through other financial institutions must be sent. Any payment(s) that have begun processing before the requested cancellation date will be processed by us. The Online Account Information may not reflect transactions that have not yet been completed or settled, and is not the official record for any BBVA Online Account. Projected balances are based on information you have entered through the Service and may not reflect your actual deposit account balances. These payment methods may include, but are not limited to: (a) transferring funds electronically to the Biller; (b) preparing a check or a laser draft that is payable to the Biller, then sending this check or draft to the Biller; or (c) any other means chosen by the Bank in its sole discretion. We shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives. You acknowledge that, depending on when we receive the authorization to delete the Incorrectly Formatted Entry, the credit to the ACH Account for the Incorrectly Formatted Entry may not be posted until the next Business Day following your submission of that authorization. Scheduled Payment Dates must be prior to any late date or grace period. You may terminate your subscription to Online Banking by calling us at 800-273-1057. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. A transfer to a credit card account, line of credit (other than a line of credit accessed through a deposit account) or loan account may not be reflected in the balance for that account provided through Online Banking until the Business Day after the transfer is posted. You undertake any downloading and storage of Online Account Information at your own risk. 5)   The confirmation code or number of the transaction. A recurring series of Payment Instructions to a Receiver for which processing shall be initiated on the specified dates. Fraud is a risk for every company. You cannot use the Service to make transactions or transfer funds. The Service is not endorsed or sponsored by any such account providers. Online Banking and the Popmoney Website may contain additional information regarding the delivery of a payment to a Transaction Account or the delivery of a gift card, if applicable. For the funds to be credited to an account, you must provide the Beneficiary’s qualifying account number. Some jurisdictions do not allow the exclusion of certain warranties. Whether it’s a large payment to a vendor or a smaller expenditure … On the Wire Transfer Request Form, you must provide the names, telephone numbers, and additional information for at least two (2) individuals who are authorized to receive telephone calls from the Bank regarding payment orders for wire transfers submitted through the Wire Transfer Service (each, an "Authenticator"). Payment Methods. If the amount of any wire transfer initiated through the Wire Transfer Service equals or exceeds the Call-Back Amount separately communicated to you, the Bank, in its sole discretion, may elect to contact you telephonically to confirm the authorization for that wire transfer, even if doing so delays the execution of the wire transfer. Signed Authorization. For U.S. mobile numbers, text HELP in reply to a text message alert for help or STOP to cancel. We will process and transmit the Entries submitted through the ACH Payment Service to the Participating Financial Depository Institutions, subject to the Rules and this Agreement. You agree that the Bank is entitled to rely on and deem the use of your Security Codes to gain access to Online Banking as your authorization for every transaction involving any commercial BBVA Online Account until you have notified the Bank of any possible unauthorized use or transactions. Limitation of Liability for Commercial Accounts, C. Error Resolution for Commercial Accounts, C. Reporting Unauthorized Transactions or Disclosure of your Security Codes, D. Confidentiality of Information about Online Accounts, Schedule of Service Charges for Online Banking Services, Commercially Reasonable Security Procedures for Commercial Accounts, ii. Please check your Account Agreements for any other limitations. If you submit multiple Entries during a single Entry Window, we may process those Entries in any order as determined by us in our sole discretion. In addition to the termination provided in Section 8.H, we may terminate the Wire Transfer Service at any time and without prior notice to you. According to your selections, we will send alerts to the email address, or mobile number, or to your mobile device via push notification you provide to us in Online Banking. Although the ACH Network is often used to execute Payment Instructions for this Service, other Payment Networks may be used to facilitate the execution and transmission of Payment Instructions. This late charge is in addition to any non-sufficient funds or overdraft charges imposed under the Account Agreement for the Payment Account; You will reimburse us for any fees incurred in attempting to collect the amount of the advanced funds and any late charge from you; and. You authorize us to process each payment order submitted in accordance with the information that we receive from you in accordance with the Wire Transfer Security Procedures. Taxes. The Bank may report the facts concerning the overdrawn account to any credit reporting agency. Your name and address or telephone number; The error or problem with the transfer, and why you believe it is an error or problem; The name of the recipient and, if you know it, the recipient’s telephone number or address; The confirmation code or number of the transaction. You agree that we may send notices and other communications, including Security Code confirmations, to the current address for your business shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. Representations and Warranties. You acknowledge and agree that we may not maintain the same level of security against unauthorized access to your account information as the third party sites from which you authorize the Service to retrieve information on your behalf. To use any Commercial ACH services, you are required to submit an ACH Request Form. You can also use a third party payment service to wire … This fee will be charged regardless of whether the Bank is able to stop the payment. Unless otherwise defined in this Agreement, all capitalized terms shall have the meaning given to them in the NACHA Operating Rules and Guidelines. A Participating Merchant may withdraw any unactivated Reward offer at any time. You agree that, in the event the Collected Funds required for any Entry do not become available in the ACH Account until after the Last Fed Entry Window on the Intended Transmission Date, we are authorized to debit the ACH Account for the Collected Funds required for that Entry on the Intended Transmission Date, even though we may not transmit the Entry until an Entry Window on the next Business Day. Earning Rewards. We do not own, operate, control or maintain Third Party Websites, and any links to such websites are provided strictly for your convenience. You may view images of the checks and deposit slips for your BBVA Online Accounts that are checking, money market, or savings accounts by accessing Online Banking through the Bank's website. The full physical address of your Beneficiary must be provided and it must be located in the country to which your Remittance Transfer is to be sent. "ACH Software" means the software that we use to provide the ACH Payment Service. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Transaction Account. Your Obligations for Consumer Accounts, C. Your Obligations for Commercial Accounts, D. Commercially Reasonable Security Procedures for Commercial Accounts, C. Additional Services for Commercial Accounts Only, 6. You agree to provide any additional information and to execute any additional documents or agreements that we may request in connection with your use of the Wire Transfer Service. This Section incorporates any instructions or additional information that may be provided to you regarding the Wire Transfer Service by us or through Online Banking. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised. In the event of any non-delivery, non-payment or underpayment, your maximum remedy against the Bank is a refund of the amount of the principal, plus any service fee you paid. Any changes you make to Payment Account or Biller information may become effective immediately for scheduled and future payments, but will not apply to any payment that has begun processing at the time of your change. Standard service funds are credited to your account within 3 business days, as long as you initiate the transfer … "In-Process Entry" means an Entry initiated through your subscription to Online Banking and in process on any date for which settlement has not occurred. In addition to using the Security Codes described in Section 3, you also must use the security techniques that the Bank has established specifically for the Wire Transfer Service, which may include the use of randomly generated numbers and/or tokens or other security devices. YOU AGREE THAT ANY INFORMATION YOU PROVIDE TO ACCESS THE SERVICE IS DONE VOLUNTARILY. Each Biller reserves the right to cancel the delivery of electronic bills at any time. A Payee may deny your request to receive electronic bills. The Bank does not guarantee either (i) the availability or accuracy of any Online Account Information, or (ii) your ability to download and/or store any Online Account Information. It is the responsibility of the Sender and Receiver to ensure the accuracy of any information that they enter into the Service (including, but not limited to, the Payment Instructions and name, telephone number and/or email address for the Receiver to whom you are attempting to send a payment), and for informing us as soon as possible if they become aware that this information is inaccurate. Your phone service provider is not the provider of the Service. You are responsible for any Remittance Transfer initiated by you prior to termination. Honoring Transfers. If you send an erroneous file, batch or item, you must contact us to request us to initiate a reversal of that file, batch or item. Each Biller also will determine, in its sole discretion, whether you may receive a paper copy of your bills in addition to your electronic bills. Termination will not affect your liability or obligations under this Agreement any international wire transfer we have processed on your behalf. By using this Service, you represent and warrant that you have all necessary authority and permission to send text messages to the Recipient's mobile phone number provided in your Payment Instruction. However, the payment funds will be transferred into the Receiver's eligible Transaction Account no earlier than the next Business Day following the specified date. You agree that the use of the Security Codes and other security techniques that the Bank has established for Online Banking constitutes a commercially reasonable security procedure for you. We may terminate your use of the Service immediately and without notice to you if we discover you or someone using your Security Codes has used the Service in this manner. Move your money—from anywhere, to anywhere. A transfer request is not necessarily received by the Bank when you transmit the request. About Rewards – Participating Merchants are solely responsible for establishing the terms and conditions for Reward offers, and you are solely responsible for complying with such terms and conditions as necessary to earn and receive Rewards from Participating Merchants. You may initiate payment orders for wire transfers through Online Banking, subject to the following restrictions and conditions: Authorization for Wire Transfer Service. From time to time, the Bank may change the types of Online Accounts for which any particular Service is available or applicable. You bear the burden of proof of the time and manner of our actual receipt of any notice or transmittal of information. You also agree not to use someone else’s information to gain access to another person’s bill. You acknowledge and agree that BBVA assumes no responsibility for, and shall have no liability to you for the payment of any Reward. The Beneficiary’s name you provide must be exactly as it appears on the account records at the Remittance Network Member. About charges on your BBVA Check Card or Credit Card – If you have any dispute with any Participating Merchant concerning a charge on your BBVA Check Card or Credit Card, you must report that dispute to us as provided in a separate agreement for your Check Card or Credit Card, not the Error Resolution provisions of this Agreement. Applicable transfer limit displayed in Online Banking. The Bank will not be liable for damages of any kind arising from non-delivery or delayed delivery of an alert, the location to which an alert is delivered, inaccurate content in an alert, or your use of or reliance on the contents of any alert for any purposes. 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