Due Date as long as the payment was scheduled in accordance with the guidelines described under “Payment
Scheduling” in these Terms and Conditions.
Payment Authorization and Payment Instruction
By providing the Service with names and account information of Payees to whom you wish to direct payments, you
authorize the Service to follow the Payment Instructions that you provide through the Service. To process payments
more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee
directives. When the Service receives a Payment Instruction, you authorize the Service (through the Service Provider)
to debit your Payment Account and remit funds on your behalf to the Payee so that the funds arrive as close as
reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your
Payment Account for payments returned to the Service by the United States Postal Service or Payee, or payments
remitted to you on behalf of another authorized user of the Service.
The Service will use commercially reasonable efforts to make all your payments properly. However, the Service shall
incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated
by you because of the existence of any one or more of the following circumstances:
1. If, through no fault of the Service, your Payment Account or Overdraft Protection protecting account does
not contain enough available funds to complete the transaction;
2. The Service’s payment processing center is not working properly, and you know or have been advised by the
Service about the malfunction before you execute the transaction;
3. You have provided the Service with incorrect or incomplete Payment Instructions; and/or,
4. Circumstances beyond the control of the Service (such as, but not limited to, fire, flood, or interference from
an outside force) prevent the proper execution of the transaction and the Service has taken reasonable
precautions to avoid those circumstances.
Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be
removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which
does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly
transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected
transactions, and, if applicable, for any late payment related charges.
Payment Methods
The Service reserves the right to select the method by which to remit funds on your behalf to your Payee. These
payment methods may include, but may not be limited to, an electronic payment or a check drawn on your Payment
Account that is issued by the Service Provider. When the Service Provider issues a check, the funds will be deducted
from your Payment Account when the check is presented to us for payment.
Payment Cancellation Requests
You may cancel or modify any Scheduled Payment (including recurring payments) by following the directions within
the Service. There is no charge for canceling or modifying a Scheduled Payment. Once the Service has begun
processing a Scheduled Payment, it cannot be canceled or modified, therefore a stop payment request must be
submitted (see Stop Payment Requests provision).
Stop Payment Requests
The Service’s ability to process a stop payment request for a payment made by check will depend on whether or not
the check has been presented for payment. 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 USAA Customer Service at 210-531-USAA (8722), 800-531-8722, (TTY:711/TRS) or #8722
on a mobile device. Although the Service will make efforts to accommodate your request, the Service will have no
liability for failing to do so, except as otherwise required by law. If applicable, the charge for each stop payment
request will be the current charge for such service as set out in the Account and Service Fee Schedule. For payments
that are set up through the Service to occur on regular, recurring intervals and are paid through the Service via
electronic payment or by check, see the Stop Payment of Preauthorized Payments provision of the Electronic Banking
Services section of the Depository Agreement and Disclosures for additional terms and conditions on stop payments.
Prohibited Payments
Payments to Payees outside of the United States or its territories are prohibited through the Service. You may not use
the Service to conduct any activity that would violate applicable law or the Depository Agreement and Disclosures.