Bill Payment Terms and Conditions
Gold Canyon Bank hereby publishes the following terms and conditions for User’s use of bill payment services via telephone, personal computer or any other device as may be offered by Gold Canyon Bank. Gold Canyon Bank reserves the right to modify these terms and conditions at any time, effective upon publication. User’s use of bill payment services constitutes agreement to these terms and conditions and any modifications thereof.
1. User agrees to accurately follow product use instructions contained within the User Guides and on-line help.
2. User agrees to schedule bill payments (payment transaction date) at least five business days before the due date, not including any grace period.
3. User agrees to provide correct payee name, address, account information and payment amount.
4. User agrees to maintain sufficient funds in funding account on the transaction payment date requested.
5. User agrees to notify Gold Canyon Bank or its authorized agent no later than 60 days after User receives the FIRST statement on which User believes a problem or error occurred.
6. User acknowledges that Gold Canyon Bank or its authorized agent may require up to 45 days to investigate a complaint or question. Gold Canyon Bank or its authorized agent will use all reasonable efforts to resolve an issue within three (3) business days. If an issue is reported orally, User may be required to send the complaint or question in writing within ten (10) business days. Results of the investigation will be communicated within ten (10) business days. If Gold Canyon Bank or its authorized agent needs more time, they will re-credit the User’s account within (10) business days for the amount the User believes is in error. If we ask the User to put the complaint or question in writing and we do not receive it within (10) business days, we may not re-credit the account. If we determine there was no error, we will send a written explanation within three (3) business days after the investigation is finished.
7. This service may not be used to transmit alimony, child support or other court-directed payments or tax payments.