Does your bank disclose the expedited/rush fee on your fees schedule and/or Reg E disclosure?
I am wondering because we offer bill pay for $4.95 per month, which is disclosed in the bank's Reg E disclosure but there is an additional fee for rush deiliver, which is not. Instead, the additional fee for rush delivery is disclosed to the customer online before they choose the rush delivery option in bill pay.
Should we be disclosing this additional fee on the Fees Schedule and/or Reg E disclosure also (especially if the customer has not agreed to receive electronic disclosures under the e-Sign Act)?