The FAIRWINDS Online Payment Service allows you to schedule bill payments through FAIRWINDS Online. You can schedule, at your option, for the payment of your current, future and recurring bills from any of your FAIRWINDS Credit Union checking accounts. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of FAIRWINDS Online. We are unable to process any payment of taxes or court-directed payments through FAIRWINDS Online Payment Services.

By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through FAIRWINDS Online. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf from the funds in your selected checking account. When FAIRWINDS Credit Union receives a payment instruction, you authorize it to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that most transactions will be completed on the exact day designated, it is understood that due to circumstances beyond the control of FAIRWINDS Credit Union, particularly delays in handling and posting payments slow-responding companies or financial institutions, some transactions may take a day or even a few days longer.

For this reason, it is recommended that all payments transfers be scheduled to at least (5) five business days before the actual due date, not the late date. If you properly follow the procedures described herein, and FAIRWINDS Credit Union fails to deliver a payment on the scheduled payment date, FAIRWINDS Credit Union will bear the responsibility for late charges ($50.00 maximum). In any other event, including, but not limited to, choosing a payment date less than (5) five days prior to the actual due date, the risk of incurring and the responsibility for paying any and all charges or penalties shall be borne by you.

FAIRWINDS Credit Union will use its best efforts to process all your payments properly. However, FAIRWINDS Credit Union shall incur no liability if it is unable to complete any payments initiated by you through FAIRWINDS Online payment services because of the existence of any one or more of the following circumstances:

1. Your account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection account.
2. The FAIRWINDS Credit Union processing center is not working properly and you know or have been advised by the service about the malfunction before you execute the transaction.
3. You have not provided FAIRWINDS Credit Union with the correct names or account information for those persons or entities to whomever you wish to direct payment.
4. Circumstances beyond the control of FAIRWINDS Credit Union, such as, but not limited to, fire, flood, or interference from an outside force that would prevent the proper execution of the transaction. FAIRWINDS Credit Union has taken reasonable precautions to avoid those circumstances.

You have the right to stop or change any scheduled payment. You must cancel the payment by no later than 3 PM (Pacific Time), on the Payment Date, by using the DELETE function on the FAIRWINDS Online "Pending Payment" screen.

FAIRWINDS Credit Union reserves the right to terminate your use of FAIRWINDS Online bill payment service in whole or part, at any time without prior notice.

If, for any reason, you should ever wish to cancel FAIRWINDS Online bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using FAIRWINDS Online or calling FAIRWINDS Credit Union's Member Services at (407) 277-5045 / (800) 443-6887. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

The monthly fee for FAIRWINDS Online payment services is $0.00. This fee covers unlimited bill payments to anyone you wish to pay in the U.S. These fees cover service for the previous month and are effective upon enrollment. Fees will be charged to your payment account, whether or not bill payments are made out of that account, or any other account linked to FAIRWINDS Online payment services.

Additionally, you agree to pay any special charges in effect as announced by the credit union from time to time. These charges are in addition to the fees and service charges specified in your applicable checking, savings, overdraft protection account agreements (for example, uncollected or overdraft charges on your checking account).

If the payment account has insufficient funds to cover fees, the credit union will deduct the fee from any other checking account linked to FAIRWINDS Online (in any order we may choose). If the fee cannot be paid, we may cancel your Bill Pay service. After cancellation, your Bill Pay service may be reinstated by contacting FAIRWINDS Credit Union Member Services once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits.