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How do I make a loan payment using a debit card?

Debit Card Loan Payment

Pay your loan using an RCU Debit Card OR a debit card from another bank or credit union!

What types of debit cards are accepted?

  • RCU Visa debit cards
  • Mastercard, Discover and Visa debit cards from another bank or credit union

What types of loans can I pay using a debit card?

  • Auto loans
  • RV loans (including motorcycle, trailers and boat loans)
  • Visa Credit Card payments (only available if a payment is currently due, otherwise payments may be made directly via a transfer)
  • Personal loans
  • HELOC (not including Interest Only HELOCs)

Is there a fee to make a loan payment with a debit card?

  • If using an RCU Visa Debit card there is no fee to process this payment.
  • If using a debit card from another bank or financial institution there is a $5 processing fee. RCU is charged a fee to perform the transaction. We charge a minimal fee that does not recoup the entire cost of the transaction.

Payment amounts:

  • The minimum is $5.00.
  • The maximum is 2 times the minimum payment (plus the $5.00 fee if not using an RCU debit card).

How do I make a loan payment with a debit card?

After logging into online banking, select from the main menu:

  1. Transfers & Payments:
    • Click “Payments”
      Transfer & Payments navigation
  2. On the Payments screen:
  • Under “To this account”, select the loan
  • Under “From this Account”, select “Debit Card Payment”
  • Follow the prompts

Input screen:

Payments Paying RCU Loans with Debit Cards Step 1

Confirm the payment information is correct:

 Payments with Debit Card Step 2

Complete screen:

Payments with Debit Card Step 3

Frequently Asked Questions:

Q. If I use my RCU debit card to pay their loan do they get Reward points?
A. No, the transaction is not processed by the network. It is internal and fee free.
Q. Are the payments processed right away?
A. Payments are immediate. Visa payments are also immediate however the Visa balance is updated the next day.
Q. Can I schedule a card payment?
A. No, payments are immediate. If you want to schedule a payment you may use the External transfer loan payment option.
Q. Can I set-up a recurring debit card loan payment?
A. No, the payments are one time. If you would like to set-up recurring payments use External transfer loan payments.
Q. Why does RCU charge a $5.00 processing fee?
A. A fee is only charged if the debit card being used is not an RCU debit card. RCU is charged a fee to perform the transaction. We charge a minimal fee that does not recover the entire cost to the credit union.
Q. How can I avoid the fee?
A. Make a payment using an RCU Debit card or use our External transfer loan payment service. The payments are easy to set up and process quickly. You can start, stop or change them at any time!
Q. What if I miss-enter information?
A.  An error message will identify the incorrect information and request that it be reentered. For example, if you entered an incorrect expiration date, it will request that you renter the expiration date. Other examples include an invalid security code; invalid card number or incorrect name.
Q. What happens if the payment does not go through?
A.  An error message will be displayed. There may be instances in which the payment cannot be processed. If the following message appears, we recommend making a loan payment using an alternative method or trying at a later time:

 We are unable to process your request at this time.  Please try again later. We apologize for any inconvenience.