With our new loan payment option, you can choose how YOU want to pay your loan:

• Regular
• Regular with Extra principal
• Principal only
• Interest Only
• Pay down to zero
• Pay Off
• Payment Due
• Last Statement Balance

In addition to being able to make a Regular or Principal payment, you can now also use your external accounts on:

• Regular
• Regular with extra principal
• Principal only
• Interest only

Yes! With our new loan payment option, you have the ability to set up recurring payment for future payments.Types of recurring payments:

• Regular payment
• Regular payment with extra principal
• Principal only
• Interest only

Note:

• You cannot set up recurring payments to begin on the today’s date.
• You must set it up for a future due date, and it is for a fixed amount only.
• If your loan is being paid from an external account, you cannot set up recurring transactions.

If you’re paying your loan using and external account, and the amount exceeds $1,000.00, you will receive a pop up explaining that your payment has been drafted. You will need to approve the transaction in the Digital Activity Center. To complete the transaction, use the following steps:

1. Within Digital Banking, on the left hand menu, click on Digital Activity Center (or click “Navigate to Activity Center” button on the popup)
2. Approve the transaction
3. Follow the instructions on the approval pages
4. Enter your Security Authorization Code
5. The transaction will be authorized at that time

You may have initiated your loan payment after the loan cutoff time, which is 3:00 pm EST, today’s business date will be greyed out. You can select the next business day or future business day.

You will no longer be able to make transfers to your loan through the “Transfer” page. Our new loan transfer page gives you many more payment options, including setting up a recurring transaction with your FCCU account.

No, when you select “Principal Only” it will not advance your due date or pay any interest that is due.

Navigate to the Digital Activity Center in Digital Banking in the left hand menu. Your loan payment will be listed as “Processed” if the payment was completed properly.

If you are paying your loan with an external account, and you pay over $1,000.00, you must approve the transaction in the Digital Activity Center.On the payment screen, after you select your external account, enter your transaction amount, and click “Make Payment”. You will get a pop-up informing you that your transaction has been drafted.To approve the transaction, simply navigate to Activity Center, click on the 3 dots on the right hand side of the transaction line and select approve.When you hit confirm, it will ask you to approve.

• Select confirm
• Select the method of how you would prefer to receive your Security Authorization Code (either via phone or text)
• When you receive your Secure Secure Access Code, enter the code in to the box, and select “Verify”.

If the transaction is approved from the account you selected the loan payment from, you will receive a screen that reads “Approval Successful”, and you can click “Return to iBranch!”You will then see the status change from “Drafted” to “Authorized” in the Digital Activity Center.

There are 2 reasons you may not see the option to set up recurring payments:

1. You are trying to set it up with an external account:
   • You cannot set up a recurring transaction with an external account. If you wish to do that, you must set it up through “Bill Pay”.
2. You are using an internal account, but are trying to set it up on the Due Date.
   • You must set your recurring transaction for future dates. If you need to make your loan payment today, make a one time payment. Upon submission, return to Loan Payments, and set up your recurring transaction for a future date.

Note: In Digital Activity Center, you can view single transactions, recurring transactions, and mobile deposited checks. In recurring transactions tab, you can cancel the series, copy, view transaction series, or print details.