Bill Payment Service

Terms & Conditions

This document sets forth the terms and conditions (“Terms and Conditions”) for use of the Bill Payment service (“Bill Payment Service”) offered to you (“you”) by Green Dot Bank (“Bank,” “we,” “our,” and “us”) in connection with your Stash Debit Account. The following Terms and Conditions incorporate and supplement the terms of your Deposit Account Agreement with us, as amended (the “Deposit Account Agreement”), which governs your use of your Stash Debit Account (your “Account”).  Capitalized terms used herein but not defined shall have the meanings ascribed to them in the Deposit Account Agreement. In the event of any inconsistency between these Terms and Conditions and any provision of your Deposit Account Agreement, these Terms and Conditions control with respect to the Bill Payment Service, but only to the extent necessary to resolve the inconsistency.  By using the Bill Payment Service, you are agreeing to these Terms and Conditions.

  1. Bill Payment Service.
    • General. If you have met our eligibility criteria, you can make payments to others from your account with us using our Bill Payment Service.
    • Bill Payment Service Definitions.

      “Bill Payment Service” means the Bill Payment Service offered by Green Dot Bank, through CheckFree Services Corporation, a subsidiary of Fiserv Solutions, Inc., that you can access using your Account.

      “Biller” is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

      “Business Day” is every Monday through Friday, excluding Federal Reserve holidays.

      “Debit Date” is the day your Account will be debited and is also the day that we will begin processing your Payment Instruction.  If you schedule a future Debit Date for a payment, and the date you schedule falls on a non-Business Day, the Debit Date will be the Business Day immediately preceding the date that you scheduled.

      “Due Date” is the date reflected on your Biller statement for which the payment is due.  It is not the late date or grace period.

      “Pay Date” is the day your Biller should receive your payment.

      “Payment Instruction” is the information provided by you to the Bill Payment Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Debit Date).

      “Scheduled Payment” is a payment that has been scheduled through the Bill Payment Service but has not begun processing.

    • Service Fees and Additional Charges. There is no service fee for using the Bill Payment Service. We may change these fees as described in these Terms and Conditions. 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 when you access the Bill Payment Service.
    • Payment Scheduling. Transactions begin processing on your Debit Date. The earliest Debit Date for Payment Instructions entered on a non-Business Day will be the next Business Day.  When you schedule an individual payment, the earliest possible Pay Date for each Biller (typically five (5) or fewer Business Days from the Debit Date) will be designated through the Bill Payment Service when you are scheduling the payment, and you must select a Debit Date so that the associated Pay Date is no later than the actual Due Date reflected on your Biller statement.

      You are responsible for ensuring that there are sufficient funds in your Account on the Debit Date to allow the payment.

    • Payment Authorization and Payment Remittance. By providing us with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive from you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Biller directives.When we receive a Payment Instruction, you authorize us to debit your account and remit funds on your behalf to your Biller so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you.  You also authorize us to credit your Account for payments returned to us by the United States Postal Service or Biller.

      We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from your account Card on time or in the correct amount according to these Terms and Conditions we will not be liable for your losses, costs or expenses except for your direct losses or damages to the extent directly relating to our gross negligence or intentional misconduct.   We shall incur no liability if we are 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 ours, your Account does not contain sufficient funds to complete the transaction;
        2. The Bill Payment Service is not working properly and you know or have been advised about the malfunction before you execute the transaction;
        3. You have not provided us with the correct account information, or correct Payment Instructions; and/or,
        4. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.There are other exceptions provided in these Terms and Conditions. Provided none of these exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Account or cause funds from your Account to be directed to a Biller in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we shall only be responsible for returning those funds to your Account, or for directing to the proper Biller any previously misdirected transactions, and shall have no further liability with respect to same except as expressly provided for above.
    • Payment Methods. We reserve the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment or a check payment.
    • Limits on Payments You Can Make. You may not make a payment in an amount greater than $7,500. Any payments you request will count against the daily dollar limit of purchases that you are permitted to make in a single day using your Account, and will be considered to occur on the Debit Date.
    • Payment Cancellation Requests. You may cancel or edit any Scheduled Payment by following the directions provided in the Bill Payment Service. There is no charge for canceling or editing a Scheduled Payment.  Once we have begun processing a payment, on the Debit Date, it cannot be cancelled or edited, and therefore a stop payment request must be submitted.
    • Stop Payment Requests. Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. We 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 call us at (800) 205-5164 or write us at Customer Care, Stash Debit Account Member Care, P.O. Box 5100, Pasadena, CA 91117 so that we receive your request at least three (3) Business Days prior to the Pay Date.  We may require you to present your request in writing within fourteen (14) days.  For any other payments, we will attempt to accommodate your request, but will have no liability for failing to do so
    • Prohibited Payments. The following payments are prohibited through the Bill Payment Service:
      1. Payments to Billers outside of the United States or its territories.
      2. Payments prohibited by law.

        Except as may be required by law, we will have no liability for any claims or damages resulting from any prohibited payments you may schedule or attempt to schedule.

    • Exception Payments. Tax payments and court ordered payments may be scheduled through the Bill Payment Service; however such payments are discouraged and must be scheduled at your own risk. We will have no liability for any claims or damages resulting from you scheduling these types of payments. We also have no obligation to research or resolve any claim resulting from any such payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be your sole responsibility.
    • Bill Delivery and Presentment. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the electronic bill options, you also agree to the following:Information provided to the Biller – We cannot update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller.  Any changes will need to be made by contacting the Biller directly.  Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites.  You also agree not to use someone else’s information to gain unauthorized access to another person’s bill.  We may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about the Service and/or bill information.

Activation – Upon activation of the electronic bill feature, we may notify the Biller of your request to receive electronic billing information.  The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller.  Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller.  While your electronic bill feature is being activated it is your responsibility to keep your accounts current.  Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

Authorization to obtain bill data – Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf.  For some Billers, you will be asked to provide us with your user name and password for that Biller.  By providing us with such information, you authorize us to use the information to obtain your bill data.

Notification – We will use our best efforts to present all of your electronic bills promptly.  In addition to notification within the Service, we may send an e-mail notification to the e-mail address listed for your bank account.  It is your sole responsibility to ensure that this information is accurate.  In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills.  The time for notification may vary from Biller to Biller.  You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification – The electronic Biller reserves the right to cancel the presentment of electronic bills at any time.  You may cancel electronic bill presentment at any time.  The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller.  It may take up to sixty (60) days, depending on the billing cycle of each Biller.  We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery.  We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s) – You agree to hold us harmless should the Biller fail to deliver your statement(s).  You are responsible for ensuring timely payment of all bills.  Copies of previously delivered bills must be requested from the Biller directly.

Accuracy and dispute of electronic bill – We are not responsible for the accuracy of your electronic bill(s).  We are only responsible for presenting the information we receive from the Biller.  Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.


These Terms and Conditions do not alter your liability or obligations that currently exist between you and your Billers.




      • Sharing of Information. As provided in our Privacy Policy, information about you and your transactions will be shared with third parties to assist us in providing the Bill Payment Service.
      • Failed or Returned Transactions. In using the Bill Payment Service, you are requesting the Bill Payment Service to make payments for you using your Account. If we are unable to complete the transaction for any reason associated with your Account (for example, there are insufficient funds in your Account to cover the transaction), the transaction will not be completed and we will attempt to notify you.
      • Biller Limitation. We reserve the right to refuse to pay any Biller to whom you may direct a payment. We will notify you promptly if we decide to refuse to pay a Biller designated by you.  This notification is not required if you attempt to make a prohibited payment under these Terms and Conditions.
      • Returned Payments. In using the Bill Payment Service, you understand that Billers and/or the United States Postal Service may return payments to us for various reasons such as, but not limited to, Biller’s forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. We will use our best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Account.  You may receive notification from us.
      • Information Authorization. Your enrollment in the Bill Payment Service may not be fulfilled if we cannot verify your identity or other necessary information. In addition, you agree that we reserve the right to obtain financial information regarding your Account from a Biller (for example, to resolve payment posting problems or for verification).
      • Contact Information Updates. It is your sole responsibility to ensure that your contact information is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses.  You may update information as described in the Stash app or in your Deposit Account Agreement.