Make a Loan Payment
We have a variety of payment options to meet your needs.
Make a Loan Payment
We have a variety of payment options to meet your needs.
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
- External Transfer
- If your primary account is with another financial institution, you can connect it to your First Commerce account through Digital Banking for easy payment transfers electronically from your primary account to your First Commerce loan account.
- The first time you set up an external account, you will be required to verify your ownership by confirming two small deposits First Commerce makes into the external account. You will need the account number and routing number from your other financial institution. Please allow five business days to establish the connection. Once you verify the deposits and a connection is established, you may use the “Loan Payments” option to make a payment via the Loan Payment screen. No fee applies.
- Mobile Deposit
- You can use the mobile deposit feature in our Digital Banking app. After you set up your First Commerce checking or savings account, simply take a photo of a check with your phone or tablet and deposit the money into your account. Once the deposit goes through, you may use the “Loan Payments” option in Digital Banking to make a payment via the Loan Payment option. Please allow one business day for the mobile deposit funds to be available to transfer. No fee applies.

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.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
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