You authorize Citizens Bank (“we” or “us”) to initiate recurring electronic withdrawals from your account as requested. Unless cancelled or otherwise stated, electronic withdrawals will begin after we validate and approve your request and send you a written confirmation, which may be delivered by US Postal Service or by e-mail. Citizens may obtain your banking information to validate your payment account information. Until you receive confirmation from Citizens Bank, you understand that you should continue to make payments to your account. The payment amount and frequency of each payment will be processed on your statement Payment Due Date for each billing cycle as shown on your statement. If your payment due date falls on a weekend or holiday, your payment will be deducted on the next business day after the due date shown on your statement. If your statement Payment Due Date is prior to your Payment Plan Start Date you may need to schedule an individual payment to cover that month’s payment. This will be indicated on your written confirmation.
You authorize and request your financial institution to honor debit entries initiated by us to the account and routing number provided.
You understand and agree that we may send you electronic notices to the e-mail address provided. This includes, but is not limited to, failed payment notices. In the event a payment is returned, you will remain responsible for making any outstanding payments prior to their due date.
You have the right to receive notice of all transfers varying from the monthly payment amount. You understand that we will notify you in writing at least ten days before the scheduled payment date of any changes in the dollar amount to be debited where the debited amount will exceed the regularly scheduled payment amount.
We will begin processing your Auto Pay Payment three calendar days before your statement Payment Due Date. Actual payments will be debited on the statement Payment Due Date or on the next business day if the statement Payment Due Date falls on a weekend or holiday. One-time payments made three days or less before your statement Payment Due Date may impact your debited Auto Pay amount. If you schedule a one-time payment to be processed for the exact same amount and date as your Auto Payment, only one will process.
If you have selected the Minimum Payment due option, we will debit that payment amount on your due date each month even if you have made other payments before your Auto Pay begins to process.
If you have selected the Previous Statement Balance option, we will debit that Payment Amount each month minus any other payments and credits before your Auto Pay begins to process.
You understand this authorization in no way alters our rights or your obligation under the Credit Card Agreement regarding the amount of monthly payments, when payments are due, the application of payments, assessment of late charges or other fees, or the determination of delinquencies and remedies.
You understand that you may not be able to make an online payment to your credit card account for the following reasons: (a.) the bank where you have your account fails for any reason to honor the automatic transfer request; (b.) your account has insufficient funds to pay the transfer amount that you have requested.
In the event your bank refuses the automatic transfer for any reason, any credit for the payment made to your credit card account will be reversed. If your minimum credit card payment is not made by the statement Payment Due Date, you acknowledge that your credit card account may be assessed a Late Fee in the amount specified in your Credit Card Agreement.
If you choose to update or change your payment plan authorization, you may do so at any time. However, following your request to update your payment plan authorization, you should continue to make monthly payments until your payment plan start date to ensure you satisfy any minimum amount due. If you are making a change to your Auto Payment Plan within three days from your Auto Payment date your existing payment plan will process and your new plan will start with the following statement Payment Due Date.See the chart below for more information.
YYou may cancel your recurring automatic payments online, simply log in to your account and select Auto Pay, then Cancel Your Current Auto Pay Plan. You understand that granting any request to change your billing cycle and/or payment date is in the bank’s sole discretion, and will be governed by, and premised on, this auto pay authorization. If you are cancelling your Auto Payment Plan within three days from your Auto Payment date your payment will be processed. See the chart below for more information.
We reserve the right to cancel your payment request at any time for any reason, with or without advance notice. We will try to provide you with prompt written notice of cancellation, which may be provided electronically to the most current e-mail address you provided.
You acknowledge and agree that the origination of Automated Clearing House (“ACH”) transactions to your credit card account must comply with the provisions of U.S. law.
You accept and agree to be bound by the terms and conditions stated above.
You acknowledge that by checking the appropriate box and clicking “Confirm”, you are consenting to the terms of this document by electronic signature. You acknowledge and agree that your consent is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that we both intend that this Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
The charts below can be used to help you understand the timing details on Setting Up an Auto Payment Plan, Changing an Existing Payment Plan and Cancelling an Auto Payment Plan.
Setting Up an Auto Payment Plan for the First Time
| Scenario | What to Expect |
|---|---|
| You have a new card but have not made a purchase. | You can set up your Auto Payment Plan. Your Auto Payment Plan will start on the due date on your first statement. |
| You have made a purchase but have not received your first statement or you have made a purchase but your first statement Payment Due Date has not yet been established. | You can set up your Auto Payment Plan. Your Auto Payment Plan will start on the due date on your first statement. |
| You have been using your card and have a payment due in 10 calendar days or less. | You can set up your Auto Payment Plan but your Auto Payment Plan will not start with the current statement Payment Due Date – it will start with the following statement Payment Due Date. Make sure that you make a payment for the upcoming payment due. Look for details on your Credit Card Auto Pay Confirmation. |
| You have been using your card and have a payment due in more than 10 calendar days. | You can set up your Auto Payment Plan and it will take effect with the current statement Payment Due Date. Look for details on Credit Card Auto Pay Confirmation. |
Changing an Existing Auto Payment Plan
| Scenario | What to Expect |
|---|---|
| You have an Auto Payment Plan set up and the next payment is due in 3 calendar days or less | Your current Auto Payment Plan payment will continue to process (a payment will be drawn) based on the previously existing plan. Your new Auto Payment Plan will not start with the current statement Payment Due Date – it will start with the following statement Payment Due Date. Look for details on Auto Pay Update Confirmation. |
| You have an Auto Payment Plan set up and the next payment is due in 4 - 10 calendar days | Your current Auto Payment Plan payment will not process. Your new Auto Payment Plan will not start with the current statement Payment Due Date – it will start with the following Payment due date. Make sure you make a payment for the upcoming payment due. Look for details on your Auto Pay Update Confirmation. |
| You have an Auto Payment Plan set up and the next payment is due in 11+ calendar days | You can change your Auto Payment Plan and it will take effect with the current statement Payment Due Date. Look for details on your Auto Pay Update Confirmation |
Cancelling an Auto Payment Plan
| Scenario | What to Expect |
|---|---|
| You have an Auto Payment Plan set up and the next payment is due in 3 calendar days or less | Your Auto Payment Plan will be cancelled. However, your current Auto Payment Plan payment will continue to process (a payment will be drawn). If you wish to cancel this payment, you may do so on the Manage Payment screen. A payment can be cancelled up until 5 pm EST on the day it is scheduled to process. Look for details on your Credit Card Auto Pay Cancellation Confirmation. |
| You have an Auto Payment Plan set up and the next payment is due in 4 - 10 calendar days | Your Auto Payment Plan will be cancelled. Your current Auto Payment Plan payment will not process. Make sure you make a payment for the upcoming payment due. Look for details on your Credit Card Auto Pay Cancellation Confirmation. |
| You have an Auto Payment Plan set up and the next payment is due in 11+ calendar days | Your Auto Payment Plan will be cancelled. Your current Auto Payment Plan payment will not process. Make sure you make a payment for the upcoming payment due. Look for details on your Credit Card Auto Pay Cancellation Confirmation. |
Electronic Notice Disclosure and Consent
Please read this Electronic Notice Disclosure and Consent (the “Consent”) carefully and retain a copy for your reference. Citizens Bank ("Citizens Bank") is a brand name of Citizens Bank, N.A. In this agreement, "we", "us" and "our" mean Citizens Bank and "you" and "your" means each account holder, product owner and/or service user identified on an account, product or service.
This Consent contains important information about how we will deliver all disclosures, notices, terms and conditions, communications or other documents (collectively, “Notices”) related to the provision of online banking services (the “Service”). This Consent covers each and every account, product, or service we offer that you apply for, own, use, administer or access using the Service (whether by the Internet, a website, e-mail, messaging services and/or software applications through a computer or mobile device) either now or in the future. When you use a product or service to which this Consent applies, you agree that we may provide you with any Notice in electronic format, and that we may discontinue sending paper Notices to you, unless and until you withdraw your consent as described below. We may also use electronic signatures and obtain them from you as part of our transaction with you.
Receiving Notices Electronically. Notices may be delivered to you electronically in a variety of ways. These various delivery methods are described in our Citizens Bank Online® Terms and Conditions and in other agreements we may enter into with you from time to time. We will provide Notices as part of your account opening process or your enrollment process for the Service. We will also post Notices on the Citizens Bank website or online application with appropriate notification to you as permitted by applicable law. We will consider your acceptance of this Consent as your confirmation of receipt of this Consent. You understand and agree that your mailing address, e-mail address and other account information may not change during the account opening process. We may always, in our sole discretion, provide you with any Notice in paper form, even if you have chosen to receive it electronically.
Updating Your Contact Information. You must have an active e-mail address in order to use the Service. You must promptly notify us of any change in your e-mail address or other contact information. You may change your e-mail address on record by going to the Service Center tab within the Service and updating your contact information. You may also notify us by calling us at 1-800-656-6561 (business customers can call 1-877-229-6428) or by writing to us at Citizens Bank, Online Banking Servicing RDC590, One Citizens Drive, Riverside, RI 02915. If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that all Notices shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, e-mailed to the e-mail address we have for you in our records, or delivered through other electronic means.
Your Option to Receive Paper Copies. You may request paper copies of Notices by calling us at 1-800-656-6561 (business customers can call 1-877-229-6428). You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law.
Withdrawal of Consent to Electronic Notices. You may withdraw your consent to receive Notices electronically at any time by calling us at 1-800-656-6561 (business customers can call 1-877-229-6428) or by writing to us at Citizens Bank, Online Banking Servicing RDC590, One Citizens Drive, Riverside, RI 02915. You will not be charged a separate fee if you choose to withdraw your consent; however, your access to, and use of, the Service will automatically be terminated. Any withdrawal of your consent will be effective only after we have had a reasonable period of time to act upon your withdrawal. Any withdrawal of your consent to receive electronic communications will not affect the legal validity, enforceability and binding effect of any Notice you received, electronic or otherwise, before the effective date of the withdrawal of your consent.
Hardware and Software Requirements. To receive Notices in electronic form, you must have access to:
By clicking on the "Confirm" button, you consent to receive Notices in electronic form, acknowledge that you are reasonably demonstrating that you can access Notices using the hardware and software described above and that you have an active e-mail account from which you are able print or save Notices. You are also confirming that you are authorized to, and do, consent on behalf of all other account owners named on your account, product or service, subject to applicable law.
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