Information and Agreement

Free bill payment! Use our online payment service to pay anyone with a U.S. address. With this convenient service, you can pay your electric bill, mortgage or even your babysitter online. Save on postage. Make single or recurring payments to anyone with a U.S. address. Schedule payments up to one year in advance. Review, change and cancel payments. Inquire about specific payments. No more trips to the mailbox.

For existing e-banking customers.

If your not already an e-Banking customer you must go through First Time User login and establish an Access ID. If you already access your account information through the internet then your ready to signup for United Security Bank e-Pay.

What is Online Payment?

Online payment is the bill pay feature of United Security Bank e-Pay that lets you:

• Pay most businesses and individuals anywhere in the United States.
• Schedule single payments up to one year in advance.
• Set up recurring payments (such as your mortgage, car payment, rent or cable bill).

How much does Online Payment through the Internet cost?
Online Payment is an optional service and is available at no additional cost.

How and when am I billed for Online Payment service?

· Never!

Which of my USB accounts can I use to pay my bills?
You may use any United Security Bank consumer checking account.

Who can I pay?

You can pay anyone with a United States address using United Security Bank e-Pay.

What types of bills may NOT be paid through United Security Bank e-Pay?
You cannot use United Security Bank e-Pay to pay taxes or court-ordered payments, or to settle securities purchases.

How are my bills paid?

Payments are sent electronically or by check depending on the merchant's arrangement with our processor. Sometimes a check may be sent even if the payee accepts ACH payments.

What is the lead time? How far in advance should I set up payments?

To help you schedule enough lead time for your payment to reach your payee, we suggest you submit your payment 5 to 7 business days before your due date for that payee. The next time you make a payment to that same payee, the minimum required lead time may be different depending on whether that payee can accept electronic payments, in which case the minimum required lead time may be less. Check with the payee to determine how many days it took for the first payment to reach them.

Can I schedule recurring payments?

Yes. This feature allows you the convenience of scheduling payments to be made on an ongoing basis. This feature is especially convenient for setting up payments that are for the same amount and made at regular frequencies like your mortgage (every month), water bill (every other month) or car insurance (twice a year).

How do I cancel a bill payment or a recurring payment?

You can cancel any bill payment (single or the next payment of a recurring payment) by deleting the payment amount and next due date from the Payment screen up until 6:00 p.m. Pacific Time on the indicated Date to be paid. To cancel a recurring payment you will also need to remove the number of remaining payments. If you want to keep the recurring payment but only cancel it for the current payment due all you need to do is change the month field to the next month. All changes must be made by 6:00PM on the next payment date.

Can I place a stop payment on a bill that has already been sent?

No. Once the payment has been processed, we cannot place a stop payment. You can cancel a bill payment by deleting the payment from the Pending Payment screen up until 6:00 p.m. Pacific Time on the scheduled date

What is the cut-off time to submit a bill payment?

The cut-off time for submitting payments is 6:00 p.m. Payments submitted after 6:00 p.m. or on weekends or holidays will be processed as if they were submitted on the next Business Day. A Business Day is every calendar day except for Saturdays, Sundays and bank holidays. Payments made on Friday after 6:00pm PST will be considered Monday transactions.

What is the cut-off time to change or delete pending payments?

The cut-off time to change or delete a pending payment is 6:00 p.m. Pacific Time on the payment Date.

What are the advantages of using United Security Bank e-Pay rather than automatic deductions for recurring bills?

United Security Bank e-Pay provides customers with the same convenience as automatic deductions from your checking account, including the ability to set up and maintain automatic recurring monthly payments. The advantage of using USB e-Pay over automatic deductions is that you have more flexibility and control over how much you want to pay and when you want the payment to be made.

How many payees can I list?

An unlimited number of individuals and businesses can be set up as payees.

How far in advance can I schedule a payment?

You can schedule a payment up to one year in advance.

How many payments can I schedule in a single month?

You may schedule as many payments as you would like in a month. The United Security Bank e-Pay monthly service fee entitles you to schedule up to 20 payments per month from your designated checking accounts.

How do I enroll?

Once we have completed your enrollment we will notify you by email.

How do I cancel?

Once we have cancelled you United Security Bank e-Pay account we will notify you by email.

No signature requirement.

When payments are processed using the United Security Bank e-Pay service you agree that we may debit the designated account without requiring your signature.

Account Access.

You are responsible for controlling access to the Internet Services. If you disclose your Access I.D. or password to another individual you will be liable for transactions generated from your account.

Limitation of liability.

USB disclaims liability for any and all claims, losses, costs, expenses (including attorneys' fees), and damages of whatever kind or nature including without limitation general, special, incidental, consequential, punitive, exemplary or treble damages ("Damages") based on any theory of liability, in connection with any use of USB's website and the information contained therein, even if USB has been advised of the possibility of such Damages. The Bank may cancel your Internet Banking at any time in whole or in part without prior notice and with or without cause. You will remain responsible for all transactions approved by the system prior to the cancellation and for fees associated with the service.