Bill Payment Service Agreement/Disclosure

Our Bill Payment Service through Peoples Online is free if you make one Bill Payment per month. A $5.00 inactivity fee will be charged to your account if you do not pay at least one bill during the month. (waived the first 3 months after enrollment.) Peoples National Bank may change the above rates with at least 30 days prior notice.

Business days are Monday through Friday except for federal holidays. Federal holidays are generally those ten holidays observed by the Federal Reserve Bank. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Peoples National Bank on the next business day.

You may electronically schedule payments in any amount not less than $1, or exceeding $24,999 through this system to any payee that generates a bill or invoice to you and that has an address. You may not make a payment of alimony, child support, taxes or other governmental fees or court directed payments through the system.

To properly display and provide the utmost security for your Peoples Online Internet Banking, the following browsers are recommended for usage:

Microsoft Internet Explorer
Windows XP SP3 - Versions 6.0, 6.0 SP1, 7.0
Windows Vista - Version 7.0

AOL Browsers
Windows XP SP3 - Versions 8.0, 9.0 SE, AOL Explorer 1.5, AOL 9.1
Windows Vista - Versions 9.0 SE, AOL Explorer 1.5, AOL 9.1
Mac OS X 10.3, 10.4, 10.5 - AOL for Mac OS X

Safari Browsers
Windows XP SP3 - Version 3.1
Windows Vista - Version 3.1
Mac OS X 10.3 - Version 1.3
Mac OS X 10.4 - Version 2.0, 3.1
Mac OS X 10.5 - Version 3.1

Firefox Browsers
Windows XP SP3 & Vista - Versions 2.0, 3.0
Mac OS X 10.3 - Version 2.0
Mac OS X 10.4, 10.5 - Versions 2.0, 3.0

Camino Browsers
Mac OS X 10.3 - Versions 1.0, 1.5.1
Mac OS X 10.4 - Versions 1.0, 1.5.1, 1.6.1
Mac OS X 10.5 - Versions 1.5.1

From time to time, maintenance must be completed for Peoples Online. You may experience the inability to log into Peoples Online for Internet Banking maintenance on Sundays from 2am till 4am. Additionally, you may experience the inability to use Bill Payment on Thursdays from 1am till 3am. These timeframes are reserved for maintenance as needed.

• User agrees to accurately follow product use instructions provided in the on-line help.
• User agrees to schedule bill payments (payment transaction date) at least five business days before the due date, not including any grace period.
• User agrees to provide correct payee name, address, account information and payment amounts.
• User agrees to maintain sufficient funds in funding account on the transaction date required. Before a payment is processed, we verify the balance of the funding account, including any funds from your Overdraft Arrangement. If the user does not have sufficient funds in the account on the date the payment is scheduled, the payment may be delayed or cancelled.
• User agrees to notify Peoples National 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.
• User acknowledges that Peoples National Bank or its authorized agent may require up to 45 days to investigate a complaint or question. Peoples National Bank or its authorized agent will use all reasonable efforts to resolve an issue within 3 business days. If an issue is reported orally, the User may be required to send the complaint or question in writing within 10 business days. If Peoples National Bank or its authorized agent needs more time, they will 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 credit the account. If we determine there was no error, we will send a written explanation within 3 business days after the investigation is finished.
• This service may not be used to transmit alimony, child support or other court-directed payments or tax payments.