Student Accounts eBill Disclosure

1. Introduction: These terms and conditions are designed to provide you with information on our Online Bill Payment Service (the “Service”) and outline important conditions which apply to your using this Service.  This Service is provided by The George Washington University (“GW” or the “University”) and various third party vendors.  The Service is subject to certain consumer bank regulatory protections described in the Electronic Fund Transfers Act and the accompanying regulations issued by the Federal Reserve Board.  When you or any Authorized User (as defined below) initiate an online payment with GW or any third party vendor acting on our behalf, you and any person you authorize to perform functions on your account agree to these Terms and Conditions without limitation or qualification.  Please read these Terms and Conditions carefully and in their entirety. 

2. Services Offered: The Solution allows you to authorize GW and its associated third party vendor to initiate either a one-time Automated Clearing House (ACH) debit transaction from a designated checking or savings account (“Payment Account”) or a one-time credit card payment to pay tuition, fees and other charges on your Student Account.  The Solution will accept domestic and international Visa, MasterCard, American Express and Discover credit cards. The Solution is only accessible using your GWid and Personal Identification Number or PIN (the “Codes”).  You agree not to provide your Codes to persons who are not Authorized Users.  

3. Authorized Users: You may authorize one or more third parties (such as your parents) to access the Solution to pay the charges on your Student Account (each person, an “Authorized User”). To establish a third party as an Authorized User please review the Parent/Guardian Access page on our website.

4. Erroneous Instructions:  We will use all reasonable efforts to process your payments properly. However, if we receive a payment instruction authorized by you (or by an authorized user) and the instruction is erroneous in any way, we shall have no obligation or liability for the error. 

5. Transaction Limitations: International Bank Accounts: Payment by a one-time ACH debit transaction is only available to payers using U.S. checking or savings accounts payable in U.S. dollars. The Solution will not be able to process requests from international bank accounts.  The Solution will allow payment from domestic and international Visa, MasterCard, American Express and Discover credit cards. Please see the Student Accounts Office (“SAO”) website for international payment instructions. Additionally, certain types of checking or savings accounts have limits on the numbers of transfers or withdrawals that may be made per month.  Your bank or other financial institution may refuse transfers or withdrawals that would exceed such limits.  GW recommends that you or your Authorized User check with the DB1/ 87278149.3 1 financial institution holding the Payment Account to determine what limitations are imposed on transfers or withdrawals from the Payment Account prior to authorizing a debit transaction.  

6. Posting of Payments: Payments made through the Solution are posted to your Student Account immediately upon your or an Authorized User’s payment authorization.  Once you or an Authorized User submit a debit transaction authorization or a credit card payment authorization, GW cannot stop the debit from the Payment Account or the charge to the credit card.

7. Unable to Debit Account: If the University is not able to debit the amount of the authorized debit transaction from the Payment Account or complete the charge to the designated credit card, the amount posted to your Student Account will be reversed. GW will not be liable for any costs, damages or losses caused by any such reversal, including but not limited to any insufficient fund fees charged by the financial institution holding the Payment Account.  GW has no obligation to try to debit a Payment Account for a specific debit transaction or submit a credit cards charge more than once.

8. Fees: ACH Debit Transaction Fees: The University does not charge any fees for using the Solution to make a payment to your Student Account using a one-time ACH debit transaction.  However, if there are insufficient funds in the Payment Account and the University is not able to debit the amount of the authorized payment or the ACH information is not accurate, you will be charged a returned ACH fee of $35.00 by the University.  If the ACH debit is rejected twice, you will no longer be eligible to use the Solution to make payments to your Student Account.   Your financial institution that holds the Payment Account may impose separate fees in connection with the use of the Solution, including for debit authorizations, insufficient funds, or otherwise. Contact your financial institution for additional information. Vendor Credit Card Surcharge: Credit card payments are processed by Heartland Payment Services (HPS), a third-party vendor.  HPS assesses the cardholder a payment service fee of 2.95% of the transaction amount ($3.00 minimum) on each credit card transaction.  The HPS payment service fee will appear as a separate transaction on the cardholder’s monthly credit card statement.  The university does not receive any portion of the HPS payment service fee.   2 DB1/ 87278149.3

9. Cutoff Hours: If GW receives a debit transaction or credit card payment authorization on or before 8:00 p.m. Eastern Time on a business day, GW will attempt to debit the funds from the Payment Account or charge the credit card on the same business day.  Otherwise, GW will attempt to debit the funds from the Payment Account or charge the credit card on the next business day.  Business days are Monday through Friday excluding University holidays.

10. Electronic Disclosures: The University is required to provide you with certain disclosures and notices that are mandated by various laws and regulations.  You agree to receive all such disclosures electronically, which in most cases will be done via the SAO website.

11. Confidentiality: GW will never sell any personally identifiable information to a third party for marketing purposes without your consent.  The University will only disclose information to third parties about payments made to your Student Account: (a) where disclosure is necessary for completing transfers or payments, (b) if disclosure is required by law, or (c) if you request or authorize disclosure.

12. Unauthorized Access: You agree to regularly and promptly review and verify all transactions in your Student Account and all transactions made using the Solution. Please contact the University AT ONCE if you believe that your Codes have been stolen or used by an unauthorized person or if there are transactions that you do not recognize on your Student Account. You also should contact your bank.

13.  Our Liability:  If we do not complete a payment that you have authorized in a timely manner, in accordance with the terms and conditions herein, we will be liable for your losses or damages.  However, there are some exceptions.  We will NOT be liable, for example, when:   a. Through no fault of ours, your account does not contain sufficient available funds for us to debit the account in the amount of the payment due.   b. The web site or other systems are not working properly.   c. Circumstances beyond our control (such as fire, flood, computer breakdown or problems with a telephone line) prevent or impede the transaction, despite reasonable precautions we have taken.   d. The funds in your account are subject to an uncollected funds hold, legal process or any other encumbrance or claim restricting transfers at the time we attempt to debit your account for an authorized payment(s).   e. The information you or your payees have supplied to us is incorrect, incomplete or not timely. There may be other exceptions as well. 

14. Questions About Payments to Your Student Account: ALL QUESTIONS ABOUT TRANSACTIONS UNDERTAKING USING THE SERVICE MUST BE MADE DIRECTLY TO THE UNIVERSITY AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE THE ACCOUNT MAY BE LOCATED.  We are responsible for the Service and for resolving any errors in transactions made using the Service.  All questions about payments to or suspected errors in your Student Account should be made directly to the SAO. 

There are four ways to contact the SAO: Via telephone, at: (202) 994-7350 Via email at: [email protected] In writing at:  Student Accounts Office Finance Division 44983 Knoll Sq  Suite 290 Ashburn, VA 20147 In person at:  Student Services Hub  University Student Center  800 21st Street NW  Washington, DC 20052.

 If you have any questions about a transaction initiated using our Service, call or write us at the number and address listed above. We must hear from you as soon as possible if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, but no later than 90 days after the FIRST bank statement on which the problem or error appears. When contacting the Student Accounts Office, you must provide:

  • your name and GWID number
  • a description of the error or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
  • the dollar amount of the suspected error or the payment you are inquiring about

 If you initially provide information to us orally via the telephone, we may require that you send your complaint or question in writing within 10 business days to fully preserve your rights. If you contact the SAO via email or in writing, the University will acknowledge your inquiry within seven (7) days.  Within ninety (90) days of your inquiry, the University will either correct the transaction or explain why it believes your Student Account is correct.  After GW receives your inquiry, it will not try to collect any disputed amount.  However, the University will continue to issue monthly statements to you that will include the disputed amount, including interest charges.  You do not have to pay any disputed amount while the University is investigating, but you are still obligated to pay the amounts due on your Student Account that are not being disputed. If GW finds that it has made a mistake related to your Student Account, you will not be obligated to pay any interest charges related to any disputed amount.  However, if GW determines that the Student Account is correct, you may have to pay interest charges, and you will have to make up any missed payments on the questioned amount.  In either case, GW will send you a statement of the amount you owe and the date that it is due. 

15. Change In Terms: If the University makes any changes to these terms and conditions, it will promptly will post any changes on the online bill payment web site and will send you any legally required notice.  Prior notice may not be given, however, where an immediate change is necessary for security purposes.

16. Limitations: You agree that GW, its trustees, officers, employees, and any party involved in creating or delivering the Solution are not liable for any direct, indirect, incidental, consequential, or punitive costs, damages, or losses (“Losses”) incurred by you, any Authorized User, or any other third party in connection with your or your Authorized User’s access to or use of the Solution, including but not limited to Losses incurred by the following: a. the Payment Account does not contain sufficient available funds for the University to debit the Payment Account in the amount of the authorized payment; b. the Solution web site or other required systems are not available; c. circumstances beyond the control of the University (such as fire, flood, computer breakdown or problems with a telephone line or internet connection) prevent or impede the transaction; or e. the information you or your Authorized User has supplied to the University, including Payment Account or credit card information, is incorrect, incomplete, or not timely.

17. No Waiver; Severability: If GW fails to enforce any of its rights under these Terms and Conditions, its internal policies, or applicable laws, it shall not be deemed to have waived any such right.  If any provision of these Terms and Conditions is found by a court to be invalid, then the remaining Terms and Conditions shall remain in full force and effect.


By accessing and using this site, you agree to the terms and conditions of these Terms and Conditions without limitation or qualification


Last Revised May 1, 2023