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Introducing MessagePay: Your Last-Minute Loan Payment Solution

Life can get hectic, and it’s easy for loan payments to slip through the cracks. To keep you from worrying about late fees, Choice One Community Credit Union proudly introduces MessagePay, a convenient tool designed for those moments when time is of the essence. With MessagePay, making a payment quickly to avoid late penalties is possible and cost-effective.

Effortless Mobile Payments

MessagePay transforms how you handle your loan payments with us. This cutting-edge platform enables you to initiate payments swiftly from your mobile device through a simple text message, leveraging any external bank account. It’s the ideal solution for ensuring your payments are on time, especially when you’re down to the wire.

Stay Ahead of Late Fees

With MessagePay, you’re not just making a payment; you’re taking an intelligent step to save money and keep your account in good standing. The small $5.99 convenience fee applied to each loan payment via MessagePay is a cost-effective alternative to a $25 late fee, providing you with peace of mind and financial flexibility when needed.

Setting Up Your Account

How MessagePay Works

  • Once you sign up for Message Pay, you’ll get a text message informing you of the amount due on your loan. You’ll be able to review your payment options, or you can opt out of our text message service by texting “STOP.”
  • The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.

When you verify your account for the first time, you’ll have to set up the following:

  • 4-Digit PIN: Once you’ve entered your account number and date of birth, you’ll be prompted to create a 4 digit pin. Store this information in a secure location; you’ll need your pin number to verify future payments.
  • Preferred method of payment: To make a payment you will have to add a preferred form of payment in the portal. You can do this by selecting “Add New Debit Card” or “Add New Bank Account” which will prompt a secure website for you to input your information. If completed correctly, there will be a message stating “Payment Method Success” and you’ll be redirected to the payment portal.
  • Once your account has been successfully verified, you’ll be directed to the payment portal where you will be able to see all of your loans and will also be able to select your preferred payment method.

MessagePay Benefits

  • Transaction fee to use MessagePay is only $5.99.
  • Encrypted information guarantees your information is secure
  • Convenient ways to pay from an external account: text, website, adn online and mobile banking
  • Payments accepted from savings accounts, checking accounts, and credit cards

MessagePay FAQs

Can I make payments on my loans through online and mobile banking?

Log in to your online or mobile account and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

If I opt out of receiving text messages can I still pay my loans online?

Yes, you will have to access the payment portal through our website or online or mobile banking. However, you will not receive any text notifications regarding payment reminders and you will not be able to make a payment via text message.

How can I make a payment via text message?

Once you receive a text reminder, you respond “Pay” to that same text. You will be asked to enter your pin to verify your account, once you have completed this process your payment will be complete and you should receive a confirmation text. PLEASE NOTE: you will have to setup a 4 digit pin and preferred payment method prior to using text payments.

About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

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