Terms and Conditions

Please read and agree to the Terms and Conditions below.

eSign Agreement

To receive electronic billing and payment information electronically, to access, and to retain any disclosures received, you need a desktop or laptop personal computer with a web browser that supports 128 bit encryption. You must also have the ability to receive and read email. By consenting to receive information electronically, you verify that your personal computer has that capacity.

You (i) agree to receive disclosures electronically and confirm that you will download or print the disclosures for your records, (ii) acknowledge that you can access information that is provided electronically at this web site, (iii) acknowledge that your action constitutes your signature and agreement to these terms and conditions, and (iv) acknowledge that you are providing your consent to receive the above referenced electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible.
By consenting, you may also receive other information, such as collection notices or other legally required disclosures, electronically. We will notify you prior to commencement of providing any such documents electronically.
Once you receive notice from Level One, LLC that we will commence sending other information electronically (such as application disclosures, privacy statements, card member agreements and disclosure statements, and collection notices) you may withdraw your consent to our providing such other information electronically at any time. To receive other information in paper form and/or to withdraw your previously provided consent, please contact us. Please specify the information you wish to be provided in paper form and/or to which your withdrawal of consent applies. Your request will only apply to those specific items of information designated by you.

You understand that the information that you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically nor any damages, including direct, indirect, special, incidental or consequential damages caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems. If your e-mail address changes, you are required to notify us immediately.
Online Bill Payment Service - Terms and Conditions

This Agreement supplements, and does not replace, the agreement governing your Credit Account.


By providing us with your bank account information and agreeing to these terms and conditions, you authorize us to follow the payment instructions that we receive through the online bill payment service. When we receive a payment instruction, you authorize us to debit your bank account and to obtain funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. You also authorize the financial institution that holds your bank account to debit your bank account.
Payment instructions must be entered before the cut-off time and prior to the payment date. While it is anticipated that most transactions will be processed on your selected payment date, it is understood that due to circumstances beyond our control, some transactions may take additional time to be applied to your credit account. If you properly follow the procedures described herein, including submitting your payment instruction prior to the cut-off time, and we fail to process a payment according to the payment instructions received, we will reverse any late charges incurred as a result. In any other event, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.
You now have a choice of a standard payment and an auto debit payment. If you have told Level One, LLC in advance to make regular payments out of your bank account, you can cancel any payments that are in a "scheduled" status. To do so, go online and select the "cancel" option located next to the payment you would like to cancel.

Contact us AT ONCE, preferably by telephone, if you believe your online customer care password or other means to access your account has been lost or stolen. If you contact us within four (4) business days of the theft or loss of your online customer care password or other means of access, any electronic payments sent without your authorization will be refunded to your bank account, and any related credits to your credit account will be reversed.
If you do NOT contact us within four (4) business days after you learn of the loss or theft of your online customer care password or other means to access your account, you could lose as much as $500.00.
Also, if your statement shows a transfer that you did not make, inform us at once. If you do not inform us within 90 days after the statement was mailed to you, you may be unable to recover monies transferred.
We will extend these time periods for circumstances such as serious illness or hospitalization.


ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH THE ONLINE BILL PAYMENT SERVICE MUST BE DIRECTED TO US AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR BANK ACCOUNT. We are responsible for the online bill payment service and for resolving any errors in transactions made with the online bill payment service.
If you inform us orally of a suspected error, we may require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate the complaint or question. If we decide to do this, we will credit your bank account within ten (10) business days for the amount that you think is in error, so that you will have the use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your bank account. For errors involving new accounts, we may take up to ninety (90) days to investigate your complaint or question, and we may take up to twenty (20) business days to credit your account for the amount that you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanation. Upon your request, we will provide copies of documents that we used in the investigation.

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 (ISP) when accessing the online bill payment service. You are also responsible for any fees associated with your bank account. In using our online bill payment service, you are requesting the system to make payments for you from your bank account. If we are unable to complete a transaction for any reason associated with your bank account (for example, there are not sufficient funds in your bank account to cover the transaction), the transaction will not be completed. In such cases, you agree that we may, at our discretion, assess a returned item fee to your bank account in accordance with the terms of your bank account agreement.

This Agreement, including applicable fees and service charges, may be altered or amended by us from time to time, including the addition of new charges and terms. In such events, we shall provide reasonable advance notice to you. Any use of this online bill payment service after we provide you with a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the programs, services, and/or related materials that may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the programs, services, and/or related materials and to limit access to our more recent revisions and updates.

In the event that you wish to discontinue the online bill payment service, you must do so via online customer care. You are responsible for canceling any and all pending payments at the time that you discontinue this service. Failure to do so will constitute acceptance of this Agreement for those payments. We may terminate this online bill payment service at any time. Neither termination nor discontinuation shall affect your liability or obligations under this Agreement.

You may not assign your right to use the online bill payment service under this Agreement to any other party. We may assign this Agreement at our sole discretion. We may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

We shall not be deemed to have waived any of our rights or remedies under this Agreement unless such waiver is in writing and is signed by us. If we delay or refrain from acting in exercising any rights or remedies under this Agreement, such delay or omission shall not operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.