Options for Making Loan Payments

At First Commerce, we take our commitment to you seriously, including offering a variety of options for making your loan payment. Simply choose the option that works best for you.

Explore Additional Loan Payment Options

With First Commerce’s Loan Payment Portal you quickly and easily pay your loan online with a debit card*. You can register as a new user, so you can easily login for future payments, or login as a guest. To register, you will need to provide your Social Security number, zip code, and an email address. Registration will be instant, and all associated First Commerce loans will be included with your new registration. New loans may take 24 hours to appear in your Payment Portal. *The Loan Payment Portal accepts Visa Debit Cards, Mastercard Debit Cards, or Discover Debit Cards.
You can easily pay your loan through Digital Banking with your First Commerce account. As an added convenience, we’ve streamlined the process to integrate with external accounts, and you can also set up recurring loan payments with variable amounts! Questions? Visit our FAQ page. Please Note: This loan payment option will be replacing the “Transfer” option within Digital Banking and the mobile app as of July 19, 2023.  
If your primary account is with another financial institution, ask if they offer a bill pay feature that you can use to pay your First Commerce loan. Remember to have your loan MICR number (13-digit number starting with “9”) and our address (P.O. Box 6416, Tallahassee, FL 32314). Typically, it takes up to five business days for bill pay vendors to set up payments. If your financial institution does not offer a bill pay feature, inquire about setting up a checking account and digital banking with First Commerce! We’d love to be your primary financial institution and we offer free bill pay. No fee applies.
You can make a payment over the phone with a debit card or credit card, or a check from another financial institution, and your payment will be applied to the loan the same day. Call us during regular business hours and a team member will be happy to assist you. Again, this is a convenient option; however, there is a $12.50 convenience fee per transaction applied to the payment. You will need your card information or account and routing number, as well as your billing address, to complete payment over the phone.
If visiting us in person is what works best for you, then stop by any of our locations and make a payment in the drive-thru using our convenient Video Teller Service or going into the financial center. No fee applies. We love to see our members’ smiling faces!
If you received a payment coupon book, you can mail a check or money order with the payment coupon to the address specified on the coupon. If mailing, please allow sufficient time for the postal service to deliver your payment prior to the due date. You may also drop off your check or money order payment with your coupon at any First Commerce location that has an overnight drop box. No fee applies. Download and print loan coupons.
Routing Number Information

Routing Number Information

First Commerce’s routing/ABA number is 263182516. Please note: If setting up an ACH payment/deposit (including direct deposit) to/from a checking account, please use the 13-digit Account Number from the bottom center of your checks. Please direct any questions to our Contact Center at 850.488.0035 or 1.800.533.5772.