What if I do not have sufficient funds on the day FIS, the credit union's bill pay provider, debits my account?

When we make a payment on your behalf, funds will be debited from your funding account one to two days after the payment’s “Send on” date. If funds are not available in your account when we attempt to make the debit, your bill pay account will be blocked and you will be notified via email. During the period of time your account is blocked, we will not process any of your scheduled payments. You will also not be able to schedule any new payments or set up any automatic payment rules during this period. Once your account becomes unblocked, we will resume making your scheduled payments. You will need to reschedule any payments that were canceled while your account was blocked. In an effort to unblock your account, we will attempt a second debit. If the second debit attempt is successful, your account will be unblocked within three business days. If the second attempt fails, a third attempt to debit the funds from your account will be made. If the third attempt is successful, your account will be unblocked within three business days. If the third attempt is unsuccessful, we will attempt to contact you to resolve the issue. During the period of time your account is blocked, we will not process any of your scheduled payments. You will also not be able to schedule any new payments or set up any automatic payment rules during this period. Once your account becomes unblocked, we will resume making your scheduled payments. You will need to reschedule any payments that were canceled while your account was blocked. Note: We have a relationship with some of our billers we pay frequently that allows us to pull a payment back from them. We call these “reversible billers.” If we are unsuccessful in debiting your funding account on our second attempt, we will pull the funds back from the biller. Once we pull the funds back from your payee, your account will immediately be unblocked and you will need to issue another payment to your payee.

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