Disclosures

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE:

This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service. It also describes the rights and obligations of United Texas Bank ("Bank"). Please read this Agreement carefully. United Texas Bank may revise the Agreement at any time, without giving you prior notice, by updating this posting. By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.

The following definitions apply in this Agreement:

The Bank will provide instructions on how to use the Online Banking and Bill payment Services. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP, your Password and your User ID. You may access your Online Accounts 24 hours a day, seven (7) days a week. However, availability of the Services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.

For purposes of transactions, the Bank's business days are Monday through Friday, excluding holidays and weekends. All Online Banking transaction requests received after 4:30p.m. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. The Bank's business day begins at 9:00 a.m.

Account Access. You may access all accounts that you hold with United Texas Bank in which you are an owner or authorized signer. Your access to these accounts will be linked by the tax identification number of the person(s) authorized to access the account, and the linked accounts will appear together in your internet banking profile. You must, however, select one account to be your primary account when using the bill payment service. The primary account that you select will be the one in which all bill payments will be debited when you pay your bills using our online service.

Transfer of Funds. In addition to viewing account information, you may use Online Banking to conduct the transfer of funds. You may make one-time transfers or schedule future or recurring transfers such as transfers to make loan payments. You may transfer funds among your checking accounts, savings accounts and money market accounts.

NOTE: Because regulations require the Bank to limit preauthorized transfers (including Online Banking transfers), the following limitations apply:

Additional Services. New services may be introduced for Online Banking from time to time. The Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

You are responsible for keeping your password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:

If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Bank immediately at 972-239-7000 between the hours of 9:00 a.m. to 5:00 p.m., Monday through Friday. Telephoning the Bank is the best way of minimizing your losses and liability. (See; Section X) You may also e-mail United Texas Bank using our Secure e-mail feature through the "Contact Us" icon on our home page.

If you believe your Password has been lost or stolen, please use the Password change feature within the Online Banking section of the Web site to change your Password.

If you send the Bank an e-mail message, the Bank will be deemed to have received it on the following business day. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.

All accounts with the Bank that you enroll in a service will be linked by the tax identification numbers of the persons authorized to access the account. The linked accounts will appear together without regard to the ownership of the accounts. For example, if an authorized user of a linked account accesses the Service, that authorized user will be able to view and access at a single time the following accounts:

If you are a business, any authorized user of your business is authorized on such terms, conditions, and agreements as we may require to:

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

Applicability. These provisions are only applicable to online electronic fund transfers that credit or debit a consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an "EFT"). When applicable, the Bank may rely on any exceptions to these provisions that are contained in Regulation E. All terms that are not defined in this Agreement but which are defined in Regulation E shall have the same meaning when used in this section.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs:

Telephone Numbers and Addresses. In case of errors or questions regarding an Online Banking or Bill Payment transaction, call (972) 239-7000 or write us at: Attn: Electronic Banking Services Department, 12222 Merit Drive, Suite 100, Dallas, TX 75251.

We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:

Our Liability. This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Online Banking or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any material losses or damages incurred by you and resulting directly from our gross negligence.

We will not be liable to you in the following instances:

If through no fault of the Bank, you do not have enough money in your account to make the transfer.
If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken.
If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.
If your funds are subject to a legal proceeding or other encumbrance restricting the transfer.
If your transfer authorization terminates by operation of law.
If you believe someone has accessed your accounts without your permission and you fail to notify the Bank immediately.
If you have not properly followed the instructions on how to make a transfer included in this Agreement.
If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.
If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.
IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.

Indemnification. You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or other proceeding and any expenses related to an Online Banking or Bill Payment account.

Third Parties. We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Explorer browser), by an internet access provider, or by an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an Online Banking or Bill Payment account.

United Texas Bank may also provide you with links to internet web sites maintained by third parties. United Texas Bank does not control such third parties and does not operate, control or endorse in any respect any information, products or services on such third party web sites. Your use of third party content or purchase of third party products or services is at your own risk.

Virus Protection. The Bank is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.

XI. Privacy Policy

United Texas Bank reserves the right to place a "cookie" or similar text file on your computer to record preferences you have entered and to modify our Website accordingly. The privacy policies of other businesses providing any of the services and products on our Website may be different than those of United Texas Bank and you should review those policies before engaging in a transaction or providing any personally identifying information to such businesses.

XII. Children Using Our Site and Our Services

The safety of children is very important to United Texas Bank. Children should always ask a parent or legal guardian for permission before sending personal information to anyone online. We expect that children may visit our Website. We recommend that only the parent or legal guardian of an under aged child access our services, even when a deposit account has been established on behalf of the child. In compliance with the Children's Online Privacy Protection Act (COPPA), United Texas Bank does not intentionally market our online products to children under the age of 13, or knowingly collect personal information from children under the age of 13.  We do not solicit data from children and we do not knowingly market to children.  We do not share such information with third parties. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with the online industry and the parents. You must be 18 years old to enter into a valid contract. For more information about COPPA, visit the Federal Trade Commission at www.ftc.gov.

XIII. Linking

You may link to the United Texas Bank home page, but are not authorized to link to any other page on our Website without United Texas Bank's prior express written consent. You may not use any of United Texas Bank's Marks or Content in your links. You may not link in any manner reasonably likely to 1) imply affiliation with or endorsement or sponsorship by United Texas Bank; 2) cause confusion, mistake, or deception; 3) dilute United Texas Bank; or 4) otherwise violate state or federal law. No person may link to our Website from any web site not owned or sponsored by United Texas Bank without first notifying United Texas Bank of the intention to create such link and obtaining United Texas Bank's written permission. No web site linking to this Website may frame or border this Website with the content of the linking site visible in the same window without United Texas Bank's express written permission. Any use of materials on this Website without the prior written consent of United Texas Bank other than as expressly set out herein is prohibited.

XIV. Copyright/Trademarks

This Website is owned and operated by United Texas Bank, or others as indicated. All of the material displayed on this Website, including the images, design, look and feel, photographs, audio, page headers, software, buttons, video, other icons, graphics, text, screens, and web pages and the selection and arrangement thereof ("Content") is either the property of United Texas Bank or is displayed by way of a license from the material's owner. United Texas Bank, or others as indicated, also owns the trademarks, service marks, registered service marks, or registered trademarks and logos ("Marks") displayed on our Website. You agree not to use the Content or Marks for any purpose without the express written consent of United Texas Bank or the third party that may own the Content or Marks.

XV. Laws and Regulations

The Terms constitute the entire agreement between you and United Texas Bank with respect to your access to our Website and governs your use of our Website, superseding any prior agreements between you and United Texas Bank. You agree that Texas law, without regard to conflicts of law principles, shall govern your access to and use of this Website, except to the extent such laws are preempted by federal law or regulation. You and United Texas Bank agree, to the maximum extent permitted by applicable law, to submit to the personal and exclusive jurisdiction of the state or federal courts located within Dallas County, Texas and to venue in Dallas, Texas. Unless otherwise specified, this Website is controlled and operated by United Texas Bank from its offices within the state of Texas. United Texas Bank makes no representation that materials in our Website or the services are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. United Texas Bank reserves the right to seek all remedies available at law and in equity for violations of these terms and conditions, including the right to block access from a particular Internet address to our Website. This Website is intended for use only in the United States or other jurisdiction that would recognize the choice of law and choice of jurisdiction provisions made herein. The failure of United Texas Bank to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, you must give us notice of any claim or course of action (a "Claim") arising out of or related to use of our Website within one (1) year after you became aware of the material facts and circumstances giving rise to such Claim and any Claim must be filed within two (2) years after such claim arose or be forever barred.

XVI. General Terms and Conditions

Bank Agreements. - In addition to this Agreement, you and the Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking Service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule contained in this Agreement. We will automatically deduct the fees related to this Service from your Bill Payment Account each month.
Changes and Modifications. The Bank may modify the terms and conditions applicable to the Services from time to time. We may send any notice to you via e-mail and you will be deemed to have received it three days after it is sent. The revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.
Assignment. We may assign this Agreement to an affiliate of the Bank or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or substantially all assets of the business to which this Agreement is related without the other party's prior written consent.
Notices. Unless otherwise required by applicable law, any notice or written communication given pursuant to this Agreement may be sent to you electronically.
Disclosure of Information. We will only disclose information to third parties about your account or transfers you make under the following circumstances:where it is necessary for the provision of Online Banking and for completing transfers;
in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
in order to comply with government or court orders, or other reporting requirements;
if you give us your permission;
to the Bank affiliated companies.
Governing Law. This Agreement is governed by the laws of the State of Texas and applicable federal law.
Customer Identification Requirement
To open a United Texas Bank account, please print and complete a New Account Information sheet. Simply bring the completed form to one of our helpful new account representatives; or you may fax it to us at (972) 960-2902, so that we may prepare your paperwork ahead of your visit. We look forward to meeting you!

USA PATRIOT ACT: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. We thank you for your understanding and for joining us in securing a safer tomorrow.

E-Statement Terms and Conditions
e-Statements Consent and Authorization
Welcome to the convenience of e-Statements from United Texas Bank. This service will allow you to view current and past account statements for all your accounts on a secure website. As part of the registration process, please read the following e-Statement Consent and Authorization and indicate your acceptance at the bottom.

Consent to Receive Electronic Deposit Account Statements
Following is important information concerning your request and consent to access electronic statements for your Deposit Accounts ("Deposit Account Electronic Statements"). If, after reading the following information, you consent to receive Deposit Account Electronic Statement(s), your Deposit Account Electronic Statement(s) will be provided in lieu of the paper statements you receive via U.S. mail. If you select Deposit Account Electronic Statement(s), you will still receive all other communications such as statements for non-Deposit Accounts and regulatory notices via U.S. mail. Statement activity prior to bank approval of your Deposit Account Electronic Statement registration will not be available online.

Fees
There is no charge for electing to receive electronic statements. Should you have any questions regarding our fees for any other items related to Deposit Account Electronic Statement(s), you may refer to our most recent Fee Schedule. Please contact Customer Support at (972) 239-7000.

E-Mail Notification and Deposit Account Electronic Statements
With Deposit Account Electronic Statement(s), we will notify you by e-mail when your account statement is ready for viewing. Generally, the e-mail notification is sent out within one day after the account statement is produced. The e-mail notification will contain a link for you to access our Website where, after you log in, you will find your electronic account statement under the "e-Statement" tab for Deposit Account Electronic Statement(s). From the time you enroll, we will maintain at the same location your most recent Deposit Account statements as follows: for daily statements, the 90 most recent statements plus previous year-end statement; for monthly statements, the 13 most recent statements; for quarterly statements, the 13 most recent statements. Document images are available online for a minimum of 3 months from the current business day.

For a period of 90 days, if we cannot deliver e-mails to the address provided by you, we will resume mailing paper statements to the mailing address we have on file.

To view or save your Deposit Account Electronic Statement(s) Adobe® Reader® must be installed on your computer. Your Deposit Account Electronic Statement(s) will contain check images like you have in your paper statements.

Electronic Formats and Access
In order to receive the e-mail notification that your statement is ready, you will need access to a computer that allows you to receive e-mail and an account with an e-mail service provider compatible with your e-mail software. It is your responsibility to insure that the e-mail address you provide to us is accurate.

In order to access Deposit Account Electronic Statement(s), you will need to log in to your account. For viewing, printing, storing, or downloading your Deposit Account Electronic Statement(s), your Deposit Account Electronic Statement(s) are available in PDF format. To access the PDF format, you will need Adobe® Reader® and a browser that can print PDF documents.

Security Information
You have been given a User ID and a Password for your use to access your Deposit Account Electronic Statement(s). You agree to: (a) not release your Password or make it available to others; (b) notify our Customer Support immediately if your Password has been lost or stolen; and (c) be accountable for the authorized and/or unauthorized use of the Password. If you allow any other person to use your Password, you will have authorized that person to access your statement information. Contact our Customer Support immediately if your Password or User ID has been lost or stolen. You may not use e-mail to report illegal use of your Password. You may contact Customer Service at (972) 239-7000.

We will maintain your Deposit Account Electronic Statement(s) behind the security "firewall" on our Web site. This provides the same security for your Deposit Account Electronic Statement(s) that protects all of your account information on the Web. We will notify you that your Deposit Account Electronic Statement(s) are ready through unencrypted e-mail, which will only include a portion of your account number. Be aware that if you elect to provide a work e-mail address, your employer or other employees may have access to your e-mail. We will e-mail you a letter confirming your registration in Deposit Account Electronic Statement(s).

Your Internet connection is not within our security control. You understand and agree that the connection or use of the Internet that you chose may not be secure and may provide opportunity for unauthorized access by a third party to your computer system or any information stored therein.

E-Mail Address Changes or Unsuccessful e-Mail Notification Deliveries
You may change your e-mail address either on-line through the Deposit Account Electronic Statement application, or by contacting our Customer Support at (972) 239-7000. Depending on your E-mail Service Provider, undeliverable e-mails may or may not be returned to us. We will make five attempts to re-send undeliverable e-mails of which we become aware.

The Effect of Your Consent and Any Future Withdrawal of Consent
Your ongoing consent to receive subsequent Deposit Account Electronic Statement(s) is voluntary and may be withdrawn at any time. You may withdraw your consent to receive Deposit Account Electronic Statement(s) by submitting your request in writing to Customer Support at 12222 Merit Drive, Suite 100, Dallas, TX 75251.

Unavailability and Interruption of Access
You understand and agree that from time to time, Deposit Account Electronic Statement(s) may be unavailable or the Internet may suffer an interruption of access due to fault of the system or conditions beyond our control. In these events, you agree to access your statements by alternate means. Please contact us for assistance.

Account Authorization
You understand and agree that you are an owner or joint owner of the Account(s) indicated on the e-Statements Enrollment Form. Your electronic signature executed in conjunction with this e-Statement Consent and Authorization shall be legally binding on all owners of the account including yourself, and any such transaction performed pursuant to this e-Statement Consent and Authorization shall be considered authorized by you.

Your Consent
By accepting, you acknowledge and demonstrate that you can access the e-mail notifications informing you that your Deposit Account Electronic Statement(s) are ready, and that you can access the Deposit Account Electronic Statement(s) in PDF format as described above. You understand that you should contact us to report any problems with your Deposit Account Electronic Statement(s). If you would prefer to continue to receive paper statements alone, simply click disagree.

I read and understand the above information, and I consent to delivery of the Deposit Account Electronic Statement e-mail notifications to the e-mail address that I have provided during this registration process. I understand that my Deposit Account statements will be available to me on the Web after I log in to my account.

Bill Payment Terms and Conditions
Terms and Conditions of the Bill Payment Service
 
Introduction
This is your bill paying agreement with United Texas Bank.
You may use United Texas Bank's bill paying service, UTB Bill Pay & UTB Business Bill Pay, to direct United Texas Bank to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.
 
Service Fees:
Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.
 
Instructions for Setting up Payees & Payments:
Payees: If you want to add a new "Payee," first select the "Payee" tab located in the bill pay or speak to one of our customer service staff.
The Financial Institution reserves the right to refuse the designation of a "Payee" for any reason.
Payments: You may add a new payment to a "Payee" by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.
You may pay any "Payee" with-in the United States (including U.S. territories and APO's / AEO's).
United Texas Bank is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.
The Bill Paying Process for UTB Bill Pay
Single Payments - A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment's deliver by date or due date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by United Texas Bank, is currently 3 pm CST.
A single payment submitted after the cut-off time on the designated deliver by date or due date will be processed on the next business day. If you designate a non-business date (generally weekends and certain holidays) as the payment's processing date, the payment will be processed on the first business day before the designated delivery by date or due date.
Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a deliver by date or due date is calculated for the next occurrence of the payment. If the calculated delivery by date or due date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:
If the recurring payment's "Pay Before" option is selected, the delivery by date or due date for the new occurrence of the payment is adjusted to the first business date prior to the calculated deliver by date or due date.
If the recurring payment's "Pay After" option is selected, the delivery by date for the new occurrence of the payment is adjusted to the first business date after the calculated delivery by date or due date.
Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated delivery by date or due date, then the last calendar day of that month is used as the calculated delivery by date or due date.
 
Single and Recurring Payments
You only have the option to select the deliver by date or due date.
 
Cancelling a Payment
A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled deliver by date or due date.
 
Available Funds
United Texas Bank has the right to make decisions regarding exception items when there are no available funds and the 3 pm CST cut off time.
 
Stop Payment Requests
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.
 
Liability
You are solely responsible for controlling the safekeeping of and access to your personal information, username, and password.
If you want to terminate another person's authority to use the Bill Pay service, you must notify the Financial Institution.
You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.
The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment.
The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent.
Amendment
The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, by requiring the customer to electronically agree to changes in this agreement or as otherwise permitted by law.
 
Termination
The Financial Institution has the right to terminate this agreement at any time.
You may terminate this agreement by written notice to the Financial Institution.
The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice.
You remain obligated for any payments made by the Financial Institution on your behalf.
 
The Bill Paying Process for UTB Business Bill Pay
Single Payments - A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment's processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by United Texas Bank, is currently 3 pm CST.
A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (generally weekends and certain holidays) as the payment's processing date, the payment will be processed on the first business day before the designated processing date.
Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:
If the recurring payment's "Pay Before" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.
If the recurring payment's "Pay After" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.
Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.
 
Single and Recurring Payments
The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your "Payees".
 
Cancelling a Payment
A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date.
 
Available Funds
United Texas Bank has the right to make decisions regarding exception items when there are no available funds and the 3 pm CST cut off time.
 
Stop Payment Requests
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.
 
Liability
You are solely responsible for controlling the safekeeping of and access to your personal information, username, and password.
If you want to terminate another person's authority to use the Bill Pay service, you must notify the Financial Institution.
You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.
The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment.
The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent.
Amendment
The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, by requiring the customer to electronically agree to changes in this agreement or as otherwise permitted by law.
 
Termination
The Financial Institution has the right to terminate this agreement at any time.
You may terminate this agreement by written notice to the Financial Institution.
The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice.
You remain obligated for any payments made by the Financial Institution on your behalf.
Regulation E
View our Reg E Disclosure in PDF format.