Terms of Service

This Electronic Bill Presentment and Payments Service (“EBPP” or the “Service”) is being offered by Vibrant Credit Union (Vibrant) through one or more third-party vendors. If you are a consumer, your use of the Service to make electronic payments is subject to consumer banking regulatory protections described in federal Regulation E, which implements the Electronic Fund Transfers Act. Depending on the payment method you select, and regardless of whether you are a consumer or business, your use of the Service may also be governed by the National Automated Clearing House Association (“NACHA”) Rules and Guidelines (“NACHA Rules”). By using the EBPP Service offered by Vibrant, you, and any person you authorize to perform functions on your account(s), agree to these Terms of Service.

Services Offered. After we process your application, you may choose an ID and Password and use the Service to arrange for payments you authorize us to pay. You agree not to disclose or otherwise make your Password available to anyone not authorized to sign on your account(s). You are responsible for maintaining the confidentiality and security of your Password. You may also use the Service to make one-time payments, which do not require an ID and Password.

Erroneous Instructions. If we receive a payment instruction authorized by you and the instruction is erroneous in any way, we shall have no obligation to detect the error or have any liability for the error. We will take reasonable steps to work with you and your financial institution to correct and mitigate the impact of any such error.

Transaction Limitations. Please be aware that certain types of bank accounts have limits on the numbers of transfers or withdrawals that may be made per month. Your bank may refuse transfers that may exceed limits, so we recommend you check with your bank to determine what limitations are imposed on withdrawals from any account. If we are not able to debit the amount required to cover an authorized payment and any fees from your account, we will not be able to make the contribution you have authorized, and will not be held liable for any costs, damages, etc., caused by the failure to make the payment. We have no obligation to try to debit an account for a specific payment more than once.

Authorized Users. If there are other authorized users on your account(s), you hereby authorize each of them to use this service. Any signer on such accounts is authorized to make payments, even if your account otherwise requires two or more signatures for withdrawals.

Business Days. Our business days are Monday through Friday, with the exception of certain holidays. Visit https://vibrantcreditunion.org/ for more information.

Electronic Disclosures. We may be required to provide you with certain disclosures and notices, which are mandated by various laws and rules. If you have opted in for receiving electronic disclosures, you may receive those disclosures electronically.

Confidentiality. Review the Vibrant Privacy Notice for additional information on Vibrant's information sharing practices.

Your Liability. You agree to regularly and promptly review and verify all transactions either on our Internet page or through the monthly statements received from your bank holding the account(s), or your credit card issuer (if you made a payment by credit card). Tell us AT ONCE if you believe your Password has been lost or stolen. Also, if your bank statement shows transactions by us that you did not authorize, you agree to contact your bank immediately.

Limitation of Liability. You agree that neither Vibrant nor any third party vendor involved in creating or delivering this service shall be liable for any direct, indirect, incidental, consequential or punitive damages arising out of your access to, or use of this Service. Vibrant assumes no responsibility for and will not be liable for any damages to or any viruses, which may affect your computer equipment or other property on account of your access to, use of or downloading from the Service.

In Case of Errors or Questions About Transfers From Your Account. ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH YOUR PASSWORD MUST BE DIRECTED TO YOUR financial institution.

Change In Terms. It is possible that our terms of service may change over time. We will post any changes on our web site and will send you any legally required notice. Prior notice may not be given, however, where an immediate change is necessary for security purposes.

Termination. We reserve the right to terminate your service at any time with or without cause. We may immediately terminate your use of the service if:

(a) You or any authorized user of your Password breach any agreement with us;

(b) We have reason to believe there has been or may be an unauthorized use of your Password, your accounts, or our service;

(d) There are conflicting claims to the funds in your accounts.

Please note that if you or another party asks us to terminate your service, or your accounts are closed for any reason, you will remain liable for transactions previously authorized.

Waiver. If we fail to enforce any of our rights under these terms and conditions, our Privacy Policy or applicable laws, it shall not be deemed to constitute a waiver of such right. If any provision of these documents is found by a court to be invalid, then the remaining terms and conditions shall remain in full force and effect.

Agreement by Use of Service. By accessing and using this Service, you agree to the terms and conditions of these Terms of Service without limitation or qualification.

Amendment. We reserve the right to amend these terms and conditions from time to time. Your continued use of the Service after notice of our Amendment will constitute acceptance of the Amendment.