Frequently Asked Questions. "Fed" means the Federal Reserve Bank, to which all Entries for Recipients to be paid through other financial institutions must be sent. It is your responsibility to keep your accounts current. 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. We will not be responsible for the acts or omissions of any other persons or entity, including but not limited to any processor, any country’s central bank, or any other financial institution and no such person or entity will be deemed our agent. Inactivity means that you do not use Online Banking. The Bank shall have no liability if you fail to receive an electronic bill from any Biller in a timely manner, regardless of the cause for such failure. You may cancel or edit any Scheduled Payment (including recurring payments) that has not begun processing by following the directions within the Bill Pay Service. If the payment order for a wire transfer (or any request for cancellation or amendment of a payment order) received by the Bank was transmitted or authorized by you or any Authorized Wire User, you shall be obligated to pay the amount of the payment order regardless of (i) whether or not the Bank complied with the Wire Transfer Security Procedures with respect to that payment order, (ii) whether or not that payment order was erroneous in any respect, and (iii) whether or not that error would have been detected if the Bank had complied with such Security Procedures. You may not make more than one transfer from one of your BBVA Online Accounts to another BBVA Online Account in exactly the same amount between the Cutoff Time on one Business Day and the Cutoff Time on the next Business Day. We may adjust the limits from time-to-time in our sole discretion. You may use, copy and distribute the materials found in the Service for internal, noncommercial, informational purposes only. YOUR ATTENTION IS DRAWN TO ANY ARBITRATION AND WAIVER OF JURY TRIAL PROVISIONS IN YOUR ACCOUNT AGREEMENT. The names, logos and all related product and service names, design marks and slogan are the property of BBVA, our affiliates and service providers. You agree to provide true, accurate, current and complete information about yourself and your Third Party Accounts, and you agree not to misrepresent your identity or your account information. You may use Bill Pay to make one-time or recurring payments from any of your BBVA Online Accounts that is a checking account, subject to the following restrictions and conditions: In no event shall the Bank be liable for any claims or damages resulting from your scheduling any of these types of payments. In addition to using the Security Codes described in Section 3, you and each Authorized ACH User also must use the security techniques that the Bank has established specifically for the ACH Payment Service, which may include the use of randomly generated numbers and/or tokens or other security devices. Cancellation of Electronic Bills. You acknowledge and agree that, for any payment you make through this Service, the payment notice provided to the Receiver may show that the payment was sent through BBVA . When you contact us, you must provide us with information to help us identify the Remittance Transfer you wish to cancel, including the amount and location where the funds were sent. Accurate records enable us to provide the Service to you. You may initiate payment orders for wire transfers through Online Banking, subject to the following restrictions and conditions: Authorization for Wire Transfer Service. If you submit an Overlimit Prepaid Entry, we may suspend the Overlimit Prepaid Entry and any or all In-Process Entries, even if you have Collected Funds available in the ACH Account for the Overlimit Prepaid Entry and the In-Process Entries, and we already have debited Collected Funds from the ACH Account for any or all of those Entries. You may make payments via ACH through Online Banking, subject to the following restrictions and conditions: Authorization for ACH Payment Service. Insufficient Collected Funds. Box 10566, Birmingham, Alabama 35296; or. Your representation when you open an account that an account is a commercial account is binding and conclusively establishes the non-consumer nature of the account. For U.S. mobile numbers, text HELP in reply to a text message alert for help or STOP to cancel. Notify us at once if you believe your Transaction Account has been accessed or any payment has been made through this Service without your authorization, as provided in Section 8.C of the Agreement. If the Bank asks you to put your complaint or question in writing and does not receive it within ten (10) Business Days, the Bank may not credit your account. 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. The Bank is responsible for damages you incur in connection with any of your BBVA Online Accounts that is a consumer account if the damages were directly caused by the Bank's failure to complete any transfer or bill payment you have properly requested through Online Banking in accordance with this Agreement, the applicable Account Agreements, and applicable law. Initiation of Payment Instructions. We have no responsibility or liability in connection with the products or services offered by these service providers or the content of their websites. We are only responsible for delivery of the applicable Payment Instructions to the applicable Payment Network in the format required by the applicable Payment Network’s specifications. We obtain the foreign currency for these transactions at a wholesale exchange rate that fluctuates frequently, but may approximate the wholesale exchange rate listed for such currency in newspaper and online information services. You will be reimbursed up to $50 for any late charges you incur for a Scheduled Payment posted after its Due Date as long as you have scheduled that payment according to the guidelines described under "Payment Scheduling" in this Agreement. If you think there has been an error or problem with your Consumer International Wire Transfer: You may use the Bill Pay Service to initiate payments electronically from any of your BBVA Online Accounts for which this Service is available. The Bank may report the facts concerning the overdrawn account to any credit reporting agency. Liability Provisions for Consumer Accounts, B. Except as otherwise provided in this Section, we agree to use reasonable efforts to execute each payment order for a wire transfer on the date received, provided that: (i) we receive your payment order no later than 10:30 a.m., Central Time; and (ii) such day is a Business Day for us, the Federal Reserve, and the beneficiary’s bank. "Affiliates" refer to companies related by common ownership or control. If you wish to send personal information to the Bank, you should send a secure message using this Service. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. The privacy and information-sharing and security policies and procedures of Third Party Websites are separate and distinct from our policies and procedures, and a Third Party Website may not be as secure as our website. You may consult the fee schedule in this Agreement or call Customer Service at 1-800-273-1057 for the current amount of the transfer fee. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payee directly if you do not receive your Payee statement. The Bank may change the Wire Transfer Security Procedures and provide instructions to you about the requirements of the Wire Transfer Security Procedures in effect from time to time. Request Amt: $250.00 - $999.99, Fee: $0.75 / request You agree to assume the risk of loss with respect to any wire transfer initiated by any Authorized Wire User who has failed to comply with the Wire Transfer Security Procedures, and you agree to hold the Bank harmless from and against any loss caused by this failure. If your subscription to Online Banking does not include any of your BBVA checking, savings or money market accounts and you later add such an account to your subscription, the Bank automatically will re-designate this account as your new Primary Account. All other marks and logos related to this Service are either trademarks or registered trademarks of us or our licensors. You agree not to attempt to use Online Banking to make a transfer if you have reason to believe this Service is not functioning properly. BBVA reserves the right to charge fees for these services in the future. "Service Provider" means companies that we have engaged to render some or all of this Service to you on our behalf. The provisions of this Agreement that relate to any obligation or liability arising prior to termination, or the resolution of any dispute regarding such obligation or liability, shall survive termination of the Agreement. You agree that third party account information providers shall be entitled to rely on the foregoing authorization, agency and limited, non-durable power of attorney granted by you. Transfers to or from External Accounts, iv. Indemnification. You agree we may act on any Remittance Transfer requests the authenticity of which we have verified through use of the Security Procedure. We may reject any Entry determined by us, in our sole discretion, to have been submitted after or before the time required by any applicable schedule or deadline. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. "Rules" mean the operating rules and operating guidelines of the applicable regional clearing house association and NACHA. Once the Bill Pay Service has begun processing a Scheduled Payment, you cannot cancel or edit the Scheduled Payment, but you may be able to stop the Scheduled Payment by submitting a stop payment request. These additional security techniques, together with the Security Codes, are referred to as the "ACH Security Procedures." You grant us a limited, non-durable power of attorney, and you hereby appoint us as your true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access BBVA and third party websites, retrieve information, and use your information, all as described within this Agreement, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. If you have submitted more than one Entry, we may process and transmit only those Entries for which you have Collected Funds. This adds an extra layer of security for wire transfers more than $1,000 that are initiated within the online … In order to use this Service, you must be logged in to Online Banking, either through your Software or by logging in directly on the Bank's website. 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. If any of the foregoing actions are taken by us with respect to a particular Entry, we will notify you as promptly as practicable, but in no event later than two (2) business days after our decision. Online Banking Support If an Entry (or any request to reverse or cancel an Entry) received by us was transmitted or authorized by you, you shall be obligated to pay the amount of the Entry regardless of (i) whether or not we complied with the ACH Security Procedures with respect to that Entry, (ii) whether or not that Entry was erroneous in any respect, and (iii) whether or not that error would have been detected if we had complied with the ACH Security Procedures. Subject to different terms and conditions that may apply to a specific offer, Qualifying Purchases can be made online, at a store location, or by telephone. Information about all of your BBVA Online Accounts is automatically added to the Service. 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. You may designate your Primary Account on your application for Online Banking or otherwise in writing to the Bank. In the event you request that we close an account or your Online Banking profile, you acknowledge and agree that we may continue to send you alerts associated with that account or your Online Banking profile for a reasonable time thereafter until the closure process is completed. You may request the Consumer ACH Payment Service and designate certain types of consumer accounts from which these payments will be made (the "ACH Account"). To use any Commercial ACH services, you are required to submit an ACH Request Form. Can Banks Limit Their Statutory Refund Duty by Contract? "Popmoney" is a trademark of CashEdge, Inc. or its affiliates. Should you wish to receive alerts to your mobile phone number after opting out of the Service, you must update your mobile number in Online Banking before alerts can be delivered to a mobile number again. Not all of the Services are available for or applicable to all types of Online Accounts. Any obligations that you wish to pay through Online Banking with Bill Pay must be payable in U.S. dollars to a Biller located in the United States. Rewards may not be valid where restricted by federal, state, or local law, and we shall have no liability to you whatsoever in the event any applicable law invalidates any Reward. The Beneficiary’s name you provide must be exactly as it appears on the account records at the Remittance Network Member. Message and data rates may apply from your telecommunications provider, and you are responsible for any such charges. You understand that anyone who obtains your Security Codes can access your Online Accounts and may initiate transactions on those accounts. You will earn a Reward from Participating Merchants based on the total amount of a Qualifying Purchase. Your Right to Opt-Out. Implement dual control for initiating and releasing wire transfers. If the Bank is unable to stop your Scheduled Payment, it will be processed according to your original Payment Instructions, and the Bank will have no liability for failing to stop this Scheduled Payment. Fidelity allows up to $100,000 per transfer and $250,000 per day. The Services allow you to perform certain banking, transfer and electronic payment functions, obtain certain bill delivery and account information, and access the additional services made available to you through Online Banking in conjunction with your computer and any Software you may use.