Direct Pay and Auto Pay Terms and Conditions and Electronic Authorization Consent


These terms and conditions govern each use of the expedited payment service (the “Payment Service”) offered by Crescent Bank & Trust, through Paymentus Corporation (hereafter, “Crescent” or “we” or “us” may be used to refer to both Crescent Bank and Paymentus Corporation). The Payment Service will allow you to electronically debit your bank account and/or debit card account for the purpose of making expedited payments on your credit obligation with Crescent (your “Crescent Account”). If you use the Payment Service, you will authorize Crescent to initiate debit entries to your bank account and/or debit card account to make a Crescent Account payment.   

Crescent may use one or more third-party service providers to offer the Payment Service. Crescent Bank may change the Payment Service provider without further notice.   

You are not obligated to use the Payment Service and you are free to make payments by mail or other means.

By using the Payment Service, or permitting any other person or other entity to use the Payment Service on your behalf, you acknowledge that you have read these terms and conditions and that you accept and will be bound by the terms thereof. From time to time these terms and conditions may be changed by us. When such a modification is made, we will post a revised version of the terms and conditions on this web site, without notification. It is your responsibility to review these terms and conditions to be aware of any such change. Your continued use of the Payment Service will indicate your agreement to any such change. We reserve the right to add to, remove, change or terminate access to any of the content or functions of the Payment Service without giving specific notice to you. If you do not agree to the terms and conditions, you may not use the Payment Service. Access or attempted access by unauthorized individuals may be subject to prosecution. Any use of the Payment Service is at your sole risk.

Payment Options:

Payments may only be made using a debit/checking account or debit card. At any time, you may make a one-time payment through the “One Time Payment” link on the customer portal. This payment will be for the amount you select and shall be made on the date you request. If you do not select a future date, it will default to the current date.

When setting up recurring payments, you have four options:

Each payment option will cause payment to recur indefinitely on the schedule you provide unless you select an End Date. Note that payments may continue to be debited even if your account is fully paid. It is your responsibility to cancel any payments following the full payment of your loan or for any other reason. Crescent Bank will return any overage payments as soon as reasonably possible, however, it will not be responsible for any costs, fees, or any other inconvenience related to the overpayment and the lack of availability of the funds.


You will be charged a fee for each payment that you make through the Payment Service, with the exception of recurring payments. All applicable fees will be displayed on the payment confirmation screen. The fee will be deducted from your bank account or charged to your debit card as part of the total payment amount, as applicable. This fee is in addition to any fee that your bank or debit card provider may assess. In addition, you may be charged a fee for any payments that are returned due to insufficient funds or any other reason.


By using the Payment Service to make a payment on your Crescent Account, you are authorizing Crescent, either directly or through a third-party service provider, to debit your bank account or charge your debit card for the amount of the payment plus the fee for using the Payment Service. You have the right to stop payment before the Payment Date by removing the scheduled payment online. You may revoke your agreement to these Terms & Conditions at any time by no longer using the Payment Service. We reserve the right to block access to the Payment Service to maintain or restore security to our site and systems and for any other reason.

By enrolling in an AutoPay schedule, you agree to the terms and conditions included herein. You are responsible for providing correct payment information in the portal and for including correct payment date and frequency information. You may cancel automatic payments at by requesting the cancellation in “My Auto Loans”. You may also request to cancel automatic payments by calling us at 1-866-208-8288 during customer service hours:

Monday – Thursday  8 am to 9 pm

Friday 8 am to 8 pm

Saturday 9 am to 1 pm

(All times are Eastern)

If you wish to instruct Crescent Bank to cancel a recurring payment, please make your request no less than two(2) business days before the payment is scheduled to be made in order to ensure that your scheduled payment is canceled on a timely basis. If you order us to stop one of these payments two(2) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. If we do not complete a transfer to or from your deposit account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

You are responsible for all transfers and bill payments you authorize using the Payment Service. If you permit other persons, or other entities, to use the Payment Service by providing your account information, you are responsible for any transactions they authorize. You should notify us immediately if you believe your account has been accessed without your permission.

Our Responsibility:

We, or a third party acting as our agent, are responsible for completing payments on time and according to your properly entered and transmitted instruction. However, neither we nor any third-party agent of ours will be liable:

Disclaimer of Warranties:

The Payment Service is provided "AS IS" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Indemnification by User:

You agree to indemnify, defend and hold us harmless from any liability, loss, claim and expense, including attorney's fees related to your violation of these terms and conditions or the use of the service, including technical support, and information provided at this web site.

Errors and Unauthorized Transactions:

If you believe that an unauthorized transaction has been or may be conducted to or from one of your accounts without your permission you should do the following:

  1. In the case of a transfer from your deposit account, contact the depository institution that holds the account that was debited.
  2. In the case of a charge to your debit card, contact the financial institution that issued your debit.

Business Hours:

Although bill payment transactions will only be processed on business days, you can access the Payment Service 24 hours a day, seven days a week, except during any scheduled maintenance periods. Business days for payment transactions are defined as Monday through Friday, 12:00 a.m. to 5:00 p.m. Central Time, except Federal bank holidays. After 9:00 p.m. Central Time, transactions are processed the following business day.

Hours for customer service are Monday-Thursday 8 am to 9 pm, Friday 8 am to 9 pm, and Saturday 9 am to 1 pm (all times Eastern)

Agreement to Use the Payment Service:

By completing the enrollment form, clicking the "I Agree" button and logging in to the Payment Service and submitting a payment authorization, you authorize Crescent to use the Payment Service to process the payment in the amount that you entered plus the amount of any fee for using the Payment Service.

Electronic Authorization Consent:

When you make an automatic monthly payment arrangement, we are required by law and regulation to provide you with a writing describing the terms of that payment arrangement. To use this online service, you must agree to receive the terms of the authorization electronically. You also agree that your electronic acceptance of the terms of the authorizations will constitute a valid and binding electronic signature that will have the same force and effect as a handwritten signature by you.

When creating an AutoPay schedule, you have the right to receive notice where your payment amount is different than your previous payment or from your preauthorized amount. Crescent Bank will provide such notice to you by email if such notice is required.

Hardware and Software Requirements:

To access and retain the information subject to this consent, you must have or have access to equipment that meets the hardware and software requirements:

For Windows users we suggest using the latest version of one of the following free web browsers:

For Macintosh users we suggest using the latest version of one of the following web browsers:

Certain older web browsers may not be supported by the Crescent Bank or Payment Service provider portal. If you're using an outdated version, you may need to update it in order to access your account(s) online.

To print communications from Crescent Bank or the Payment Service provider you must have a printer connected to your computer. To download or save such communications you must have sufficient hard-drive space to store the relevant materials. In addition to the above, you must have a valid email address. It is your responsibility to provide Crescent Bank with that address, and to notify Crescent Bank if your e-mail address changes.

By consenting to this Electronic Authorization Consent, you agree that you have the requisite hardware and software requirements as described above. If, in the future, you no longer have access to a computer that meets the requirements, you should call the customer service phone number to notify the support staff.