External Loan Pay

Make secure loan payments online

Available in Online Banking and Mobile Banking

Schedule automatic or recurring payments
Secure and convenient way to pay your MECU loan

How to get started:

This innovative solution enables you to easily make secure MECU loan payments online from a non-MECU account without visiting a branch or writing a check.

  1. Sign into Online Banking.
  2. From the Account Transfers header select Loan Payment – Using External Account.
    Loan payment using external account
  3. The Scheduled Loan Payments screen will display. Select Manage External Accounts.
    Schedule loan payments
  4. When the Manage external accounts page launch, select Add an account.
    Manage external account
  5. On the Loan Payment - Add Account screen, enter the Account Type, 9 Digit Routing Number, and the Account Number for the external account being used to make the payment. Select Continue.
  6. You will be prompted to verify account ownership. The sender must be an authorized owner on the external account. Verification performed by:
  • Verify Instantly - enter the username and password for the external financial institution.
  • Verify with Deposits - we will send two small deposits to the external account within two business days. You will need to log back into this system to confirm the two deposit accounts. 
    verify external account ownership
  1. From the Account Transfers header select Loan Payment – Using External Account. This will launch the Schedule Loan Payments screen. Select Make Payment.
    Schedule Loan Payments - make a payment
  2. Select the Pay from bank account option to use the external account you set-up.
  3. On the Loan Payment screen select the Pay From (External Account), Pay Loan, Amount, date to Initiate Payment, and agree to the Terms & Conditions. Select Continue.
    Loan payment form
  4. The Loan Payment – Review screen will display. Select Make Payment to process the payment or select Edit Payment to update the information and then Make Payment. The payment can take up to three business days to post to the loan. 
    Loan payment review
  5. A Loan Payment – Confirmation page will appear to confirm the scheduling of the payment. 
Reminder

MECU Member must be listed as an authorized owner on the external account. Establishing an external loan payment from an account in which you are not an owner violates the terms and agreement and will result in permanent termination of any MECU Payments environment. MECU Mortgages and Credit Cards cannot be paid using this service.

Frequently Asked Questions

Joining is as easy as opening an account. That's all it takes to gain access to the great personal and business products, services and benefits we offer. Check out our handy Switch Guide to help you through the process.

Login to Online or Mobile Banking (via tablet), select “Transfers” and then click “Detailed”. Select “Transfer to Another SECU Member” and enter the information requested. Once the Account has been added, you will see it as a selection to transfer to in the “Transfers” section. For Mobile Banking (via phone), click on “Transfers”, and then “Add an Account”. You will be displayed with the Internal Account screen where you will complete the information required. Once the Account has been added, you will see it as a selection to transfer to in the “Transfers” section.

You can find your account number by logging into Online Banking or by calling MIA. If you call MIA, simply say "Can you help me find my account number?"

Log into the MECU mobile app, click "Check Deposit," and upload a photo of your check.

Login to Online Banking and select “More”.

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Become a Member
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Get access to better interest rates, free financial education, discounts on insurance and more.

Experience the future of external loan payments.

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