BYOtB’s deferred payment plan allows you to receive your textbooks at the beginning of term and having the amount deducted from your account 30 days after the first day of class.  Students must fill out a ONE-TIME direct debit authorization / personal liability form available at the Financial Aid Office or our on-campus bookstore. An amount equal to your purchase will be deducted from your checking or savings account not before the 30th calendar day after the first day of class. We can add or delete additional textbooks or study aids prior to the auto debit. The 30 calendar days is sufficient time to receive your financial aid funds. It will be your responsibility to ensure you have received your financial aid funds and have deposited the funds into your bank account prior to the authorized debit. You will need to provide a FC student ID or a valid driver’s license, and a voided check or deposit slip. We do ONE-TIME direct debits because our bank has informed us that we can not take post dated checks and our insurance company (as well as our common sense) requires us to deposit checks as soon as we get them. Auto debits may not be paid off early.