Services Terms and Conditions
The following terms and conditions govern the manner in which TECU
(Us, We, Our) will provide Virtual Branch Home Banking and Bill
Payment Services to you:
Our Customer Service Information
Our Customer Service is available 1-316-263-5756 during the
9:00 AM to 5:00 PM week days or by mail at:
6300 W. 21st Street North
Wichita, KS 67205
You authorize Us to utilize IntegraSys TO PROVIDE THE Services to
You on Our behalf.
Payment of taxes or court directed payments via the Services is prohibited.
We reserve the right to refuse to make any payment and or transfer.
Funds will arrive at Your targeted Merchant and/or Account as close
as reasonably possible to the date designated by You in Your payment
and/or transfer instruction (Payment Date), subject to the terms and
conditions of this Agreement. You authorize Us. And any third party
acting on Our behalf to choose the most effective method to process
Your payment and/or transfer, including, without limitation electronic
paper or some other draft means. For each properly instructed payment
to an eligible Merchant and/or transfer to a targeted Account You will
receive a transaction confirmation number (Confirmation Number).
The Payment Date indicated by You must always be a Business Day (as
defined below). If it is not, the Payment Date will be deemed to be
the first Business Day after the date indicated.
UNLESS YOU RECEIVE A CONFIRMATION NUMBER, WE SHALL NOT BE LIABLE FOR
ANY FAILURE TO MAKE A PAYMENT AND/OR TRANSFER, INCLUDING ANY FINANCE
CHARGES OR LATE FEES INCURRED AS A RESULT. IT IS ALSO IMPORTANT THAT
THE PAYMENT DATE IS ON OR BEFORE THE MERCHANT DUE DATE, NOT THE LATE
DATE, AND, SINCE THE TIME FOR US TO PROCESS YOUR PAYMENT VARIES ACCORDING
TO THE PARTICULAR MERCHANT. YOU MUST BECOME FAMILIAR WITH THE PAYMENT
PROCESSING TIME FOR EACH MERCHANT YOU DESIRE TO PAY, AND ALLOW THE
APPROPRIATE NUMBER OF BUSINESS DAYS BETWEEN THE DAY YOU INPUT YOUR
PAYMENT INSTRUCTION AND THE PAYMENT DATE. SUBJECT TO THE LIMITATION
DISCUSSED BELOW, IF YOU FOLLOW THE PROCEDURES DESCRIBED IN THIS AGREEMENT
FOR PAYMENTS, AND YOU ARE ASSESSED A PENALTY OR LATE CHANRGE. WE WILL
REIMBURSE YOU FOR THAT LATE CHARGEUP TO A MAXIMUM OF ONE HUNDRED DOLLARS
($100.00). IN THE EVENT THAT YOU DO NOT ADHERE TO THE OBLIGATIONS SET
FORTH IN THIS AGREEMENT, OR YOU SCHEDULE A PAYMENT LESS THAN THE NUMBER
OF BUSINESS DAYS BEFORE THE DUE DATE REQUIRED FOR A PARTICULAR MERCHANT.
YOU WILL BEAR FULL RESPONSIBILITY FOR ALL PENALTIES AND LATE FEES AND
WE WILL NOT BE LIABLE FOR ANY SUCH CHARGES OR FEES. THE SERVICE ASSUMES
NO LIABILITY FOR THE LATE POSTING OR MISAPPLICATION OF PAYMENT ONCE
FUNDS ARE RECEIVED BY MERCHANT. THIS ABSENCE OF LIABILITY, HOWERVER,
DOES NOT PRECLUDE SERVICE FROM WORKING TO RESOLVE THESE TYPES OF ISSUES
WHEN THEY ARISE. IF REQUIRED WE WILL BE RESPONSIBLE FOR PROVIDING PROVISIONAL
CREDIT IF PAYMENT DISPUTES THIS ACTION.
Under no circumstances will We be liable if We are unable
to complete any payments and/or transfers initiated in a timely manner
via the Services because of the existence of any one or more of the
- You do not obtain Confirmation at the time You initiated a payment
- The designated Account does not contain sufficient funds to complete
the payment and/or transfer.
- You have closed the designated Account.
- We have identified You as a credit risk and have chosen to (I)
make all payments and/or transfers initiated by You via the
a paper, as opposed to electronic, method, or (ii) to terminate
Your subscription to the Services.
- The Services, Your equipment, the software, or any communications
link is not working properly and You know or have been
advised by Us about the malfunction before You execute the transaction.
- You have not provided Us with the correct information for
those Merchants to whom You wish to direct payment or
which You wish to make a transfer.
- The Merchant mishandles or delays handling payments sent
- Circumstances beyond our control (such as, but not
limited to, fire, flood, or interference from an
prevent the proper execution
of the transaction and WE have taken reasonable precautions
avoid these circumstances.
WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE OR INJURY, WHETHER
CAUSED BY YOUR EQUIPMENT OR SOFTWARE. THE SERVICES, OR ANY TECHNICAL
OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE
RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT,
INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF
THE INSTALLATION. USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE, OR
SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.
Except for those transfers which
are completed immediately. You may cancel or modify a payment and/or
transfer up to 2:00 p.m. Eastern Time (ET) the same Business Day You
schedule for payment and/or transfer.
All payments and/or transfers made via the Services will
be listed on Your monthly Account statements (Statement) that you receive
We may, from time to time, introduce new services or
enhance the existing Services. We shall notify You of the existence
of these new or enhanced services. By using these services when they
become available, You agree to be bound by the obligations concerning
these services, which will be sent to You.
Care of Your Security Code and Security
You agree that You will not
give your Services security code (Security Code) or make it available
to any other person. If You believe that Your Security Code has been
lost or stolen, or that someone has made payments and/or transfers
using Your Security Code without Your permission, notify Us IMMEDIATELY
by phone any time during Customer Service hours or send an electronic
message through the Service.
Your Liability for Unauthorized Payments
If you believe that your Security Code has been lost or stolen, notify
Us IMMEDIATELY as provided above in order to keep your possible losses
down. If you notify Us within two (2) Business Days after You learn
of the loss of theft, your maximum liability is $50.00.
If you do NOT notify Us within two (2) Business Days after You learn
of the loss or theft of your Security Code, and We can prove that We
could have prevented someone from using Your Security Code if You had
told Us in time. Your maximum liability is $500.00.
If your Statement contains payments and/or transfers that You did
not make, notify Us IMMEDIATELY. If You do not notify Us within sixty
(60) days after the Statement was mailed to You. You may not get back
any of the money You lost if We can prove that We could have stopped
someone from taking the money if You had told Us in time. If a good
reason (such as a hospital stay or a long trip) prevented You from
telling Us. We may at Our discretion, extend the time.
Errors and Questions
Contact Us as soon as possible at either the
address or telephone number described above if You think that a payment
and/or transfer listed on Your statement is in error or if You need
more information about a payment and/or transfer listed on the Statement.
We must hear from You no later than sixty (60) days after You received
the first Statement on which the problem or error appeared.
When You call or write Us. You must:
- Tell Us Your name and User ID.
- Describe the payment and/or transfer You are unsure about (Merchant
name, Account information, Transaction Date, Transaction Amount)
and explain as clearly as You can why You believe it is an
error or need more information. If possible, please provide Us
Confirmation Number for such transaction.
- Tell Us the dollar amount of the suspected error. If You tell
Us orally, or by using the Services’ electronic mail, We
may require that You send Your complaint in writing within ten
We will tell You the result of Our investigation within ten (10)
Business Days after We receive Your complaint and will correct
error promptly. If We need more time, We may take up to forty-five
(45) Business Days to investigate the complaint or question. If
We decide to do this, We will recredit Your Account within ten
Days after we hear from you, for the amount You think is in error
in order that You may have the use of the money during the time
to complete Our investigation. If We ask You to put Your questions
or complaint in writing an We do not receive it within ten (10)
Business Days. We may not recredit Your account.
If We decide that there was no error. We will mail or transmit to
You a written explanation within three (3) Business Days after We have
completed the investigation, and within ten (10) Business days of the
date of such explanation. We will debit Your account of the amount
previously recredited to You for use during the time We took to complete
Our investigation. You may ask for copies of documents used during
Disclosure of Account Information to Third Parties
We will only disclose
information to third parties about Your Accounts:
- When it is necessary for completing payments and/or transfer:
- In order to comply with a government agency or court order: or
- You give us Your permission.
In the event We are unable to process a Services transaction. (If,
for example, there are insufficient funds in Your designated Accounts)
the transaction will result in a “Failed Payment and/or Transfer”.
In such event We will charge the total cost of the transaction, including
any service charges, to You. In the event of repetitive Failed Payment
and/or Transfer We reserve the right to suspend Your subscription to
the Services. This suspension may be without prior notice to You. If
Your subscription is suspended, transactions that were previously initiated
may still continue to be processed unless canceled and confirmation
of such cancellations is provided as specified below. Suspension will
be handled by Customer Service and all inquiries and correspondence
relating thereto including requests for reinstatement should be directed
to Customer Service. In the event Your subscription is suspended. We
will notify You by mail to Your listed address. With respect to any
Failed Payment and/or Transfer, You agree to reimburse Us within fourteen
(14) days after notice is sent to You, for any funds We have already
paid to one or more of Your designated Merchants which We were unable
to recover by debit to the Merchant or charge to You.
If you do not pay any amount owed to Us when due. You agree to pay
interest on the unpaid balance at the rate of 18% per annum. or 1.5%
per month (or the maximum rate allowed by applicable law, if less).
In the event that Your claim or debt has to be referred to a third
party for collection. You agree, to the extent permitted by law,
to pay all costs and fees incurred in collecting the outstanding
including reasonable attorneys’ fees and court costs.
Additional Terms and Conditions
You agree to pay Us the fees to be published by Us from
time to time.
- In addition to the foregoing.
You agree to be bound by and comply with the requirements of the Services
User Guide and applicable state
and federal laws and regulations. We agree to be bound by them too.
- We reserve the right to terminate Your use of the Services. In whole
or in part, at any time without prior notice.
- You may cancel your subscription to the Services upon thirty-
(30) days prior notice to Customer Service. You will be responsible
all payments and/or transfers You have requested prior to termination
and for all other charges, fees, and tax incurred.
BE SURE TO CANCEL ALL OUTSTANDING PAYMENT AND/OR TRANSFER ORDERS WITHIN
THE 30 DAY NOTIFICATION PERIOD. WE WILL NOT BE LIABLE FOR PAYMENTS
AND/OR TRANSFERS NOT CANCELED OR MADE DUE TO YOUR ACTIONS RELATED TO
- These Terms and Conditions
the Services User Guide and applicable Services fees and charges
may only be altered or amended by Us. In
such event. We shall send notice to you at your listed address or transmit
notice of the alterations or amendment over the Services. Your use
of the Services following receipt of such notice made by You or Our
- In the event of a dispute regarding the Services. You and We agree
to resolve this dispute by looking to these Terms and Conditions.
These Terms and Conditions shall supersede any and all other
made by You or Our employees.
- These Terms and Conditions shall be governed by and construed in
accordance with the laws of the State of Kansas.
- Business Days are Monday through Friday excluding normal banking