Pay Online with PayTrace
Terms and Conditions
I hereby authorize Instep Credit Union (the “Credit Union”) to initiate a charge entry on my credit or debit card in the amount equal to the amount I enter the online payment option. I acknowledge that I am solely responsible for entering the correct payment amount and my Credit Union Member Account Number, and that the Credit Union shall have no liability for any errors, duplicate payments, or losses resulting from incorrect or incomplete information entered by me. I further understand that any payment submitted through this service is subject to the available balance and overdraft protection options, if any, associated with my account, and that the Credit Union is not required to complete a transaction that would overdraw my account or exceed any established overdraft limits.
By submitting an online payment, I agree that there is a balance sufficient to pay all requested payments, and agree that the Credit Union is not liable for any overdraft or insufficient fund situation or charge (including, but not limited to, finance charges, late fees or similar charges) caused by my failure to maintain funds sufficient to pay the payment amount I indicated. I understand that that the holder of my credit or debit card may charge cash advance fees, and it is my responsibility to be aware of these.
I understand that an online payment will be processed and credited to my account within 2 to 3 business days. I acknowledge that payments submitted after 4:30 p.m. Central Time or on weekends or federal holidays may be processed on the next business day, and that loan due dates and potential late charges will continue to apply until payment is posted.
A $10.00 processing fee will be charged for each online payment. This fee is subject to change by the Credit Union.
If you would like a list of our fee-free payment options, please contact Instep Credit Union directly.
I authorize the Credit Union and its designated third-party payment processor(s) to initiate the transaction(s) necessary to complete my payment and to correct any errors by debiting or crediting my account as needed. I agree that this authorization remains in effect until the transaction is completed or revoked by me in writing prior to processing.
I understand that once submitted, an online payment cannot be canceled or reversed through the Credit Union’s online banking platform. Any request to cancel a payment must be made by contacting the Credit Union directly before the transaction has been processed.
I agree that the Credit Union is not responsible for delays or errors in processing due to incorrect or incomplete information I provide, interruptions in online service, or circumstances beyond the Credit Union’s control (including but not limited to network failures, communication errors, or acts of third parties).
I acknowledge that all online payments are subject to verification and acceptance by the Credit Union, and that the Credit Union reserves the right to reject or reverse any transaction if it suspects fraud, unauthorized use, or error.
By using this service, I agree to be bound by all terms and conditions of the Credit Union’s Membership and Account Agreement, Loan Agreement(s), and any applicable Electronic Funds Transfer disclosures.