FAQ's

No. Once the new Mobile App is available/system launches, the old app will no longer work.

No, you must create a new favorite using the link from our website.

Yes. Use your existing user name and password to access both Online and Mobile Banking. Your login information will be automatically imported to the new system.

No. Security images are not used in the new online banking system. Instead, we will be using Multi-Factor Authentication.

The new Mobile Banking app icon will have a white background.

New App Icon:



Old App Icon:

Please contact our Member Contact Center at 1-888-786-2791 or visit any branch location to register you for online banking. (Self-enrollment for desktop or mobile access will be available approximately two weeks after the new system launches.)

You will access the new system by using the login box located on the St. Mary’s Bank website, or through our new Mobile Banking app.

Apple Device (iPhone/iPad):

To update your iOS app use the link above to access the app in the app store. Click on the St. Mary's Bank logo and then click "Update." Or, you may delete the old app and install the new app with the link above.
 

Android Device:

If you have not accessed your St. Mary’s Online Banking for an extended period of time, you will need to reregister. Please call our Member Contact Center at 1-888-786-2791 or visit any branch for assistance.

The new online banking will support the two latest versions of all browsers.

You can reset your password by clicking the “Forgot Password” link in the login box, or call our Member Contact Center for assistance at 1-888-786-2791.

You can call our Member Contact Center for assistance at 1-888-786-2791.

A widget is a small module (icon) that allows you to access information or perform certain functions.

The dashboard is a visual display of important information you will likely need. The information is consolidated and arranged on a single screen to provide a quick view into your account. It may be customized to meet your specific needs.

The options that were available as tabs in the old system will now be located on the left-hand side of the dashboard as widgets for easy access.

The information in your linked external accounts is not always real time and may take up to 24 hours to display and may require you to re-enter your credentials to sync your external account transactions.

Yes. All account information will be automatically imported into the new online and mobile banking.

Yes. You will be able to view up to 24 months of eStatements, eNotices, plus your 2018 tax forms.

Yes. The new mobile app will now give you the option to log in with touch ID, or Facial Recognition, or use a password.

The first time you log in to online banking, you will be required to verify security information. However, if you do not wish to verify that information every time you log in, you may choose to Remember this Device if it is a computer or device you trust and plan to use regularly.

Yes. Your security questions will need to be reset after your first login to the new Online or Mobile Banking system.

Yes. All Bill Pay payees, information, and history will be automatically imported into the new online and mobile banking.

Yes. Checks will be available to view for 24 months.

No. You will need to reestablish any alerts/notification in the new Online or Mobile Banking system. Notifications/Alerts are easy to set up in Settings under the Notifications tab in the new system.

Yes. You will be able to see up to 24 months of account history.

Yes. The new mobile app with enhanced features will be compatible with iOS (Apple) and Android mobile devices.

The upcoming online banking upgrade may interrupt your connection to Intuit products including Quicken, QuickBooks, and Mint and action may be required. For detailed instructions visit our Intuit User Instructions page.

Membership is open to anyone with the purchase of one share of capital stock for $5. 

The word "Bank" in our title, is the result of the literal translation of our founding French name La Caisse Populaire (meaning "the people's bank") Ste. Marie, by the New Hampshire Legislature.

• A credit union is a nonprofit, cooperative financial institution owned and run by its members. A bank issues stock and is owned by its stockholders who may not necessarily be its customers. 
• Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. 
• Credit unions are "Not for profit, not for charity, but for service". 
• Like credit unions, banks accept deposits and make loans - but unlike credit unions, they are in business to make a profit. 
• Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments.

You can visit these sites:

• America's Credit Union Museum
• Cooperative Credit Union Association
• NCUA National Credit Union Administration
• CUNA Credit Union National Association

To change your address within online banking navigate to settings and then select the contact tab. Click on the pencil icon to edit your address.

You may also visit any branch office, call our Member Contact Center at 1-888-786-2791, or send us a secure message through online banking.

You can also mail your request to:

St. Mary's Bank
Member Contact Center
PO Box 990
Manchester, NH 03105-0990

To obtain specific account information, please call our 24-hour automated telephone bank at 603-647-1177 or contact our Member Contact Center at 1-888-786-2791.

If you are currently a member of St. Mary's, you can use our free Online Banking service, which allows you to access your financial information, any time.

To obtain copies of your forms for tax purposes, please call our Member Contact Center at 1-888-786-2791.

St. Mary's routing number (also known as the Transit or ABA number) is 011400149.

If you are making a payment or transfer, or setting up direct deposit, you will need the routing number and your MICR number. You can find your MICR number in Online Banking as shown below:



OR

on the bottom of your checks as shown below:


 

Your MICR number is a 13-digit number that is associated with a specific account. This number is used to set up electronic payments. You can find your MICR number in Online Banking as shown below:



OR

on the bottom of your checks as shown below:





If you are making a payment or transfer, or setting up direct deposit, you will need your MICR number and St. Mary's Bank's routing number. St. Mary's routing number (also known as the Transit or ABA number) is 011400149.

If your ATM, debit card, or Visa® Credit Card is lost or stolen, please report it immediately. Prompt reporting will help avoid unauthorized charges to your account.

Call our Card Support Center:

1-877-268-2612
24 hours a day
Seven days a week
Closed Christmas and Thanksgiving

PLEASE NOTE: Additional information regarding your rights and responsibilities can be located within your Electronic Funds Transfer (EFT) Disclosure or by contacting our Member Contact Center at 1-888-786-2791.
 

By Phone: St. Mary’s Member Contact Center toll free at 1-888-786-2791.

By Mail:
Member Contact Center
St. Mary’s Bank
P.O. Box 990
Manchester, New Hampshire 03105-0990

By Email
 

Mortgage closing costs vary, depending on the type of transaction (purchase or refinance), size of the loan and whether or not you are paying "points”. Additional services such as legal review of a trust or, power of attorney and other ancillary services may add to the fees that we charge as these services add to our costs to process and approve your loan.
 

Typically, you can close your mortgage loan within 45 days of application, depending on the time of year and the type of transaction. We can sometimes close sooner than that, depending on the transaction and the timeliness of information and documentation provided.
 

We do offer rate locks on residential mortgages, for almost any term needed: 30-, 45-, and 60-day locks, or longer. Additional fees and/or higher rates may apply for locks in excess of 30 days. Please call one of our mortgage representatives at 603-629-1585 or 1-888-705-9596 to get more information.

 

Yes, we have many programs to meet the needs of first-time buyers. Our Welcome Home Program helps buyers with low to moderate income levels offering low rates and down payment requirements. In addition, we participate in New Hampshire Housing, FHA, VA, and several other programs designed to meet the needs of first-time homebuyers. We also offer free prequalification by phone or in person to potential homebuyers to determine the best mortgage programs to fit their specific home buying needs.

Yes, as a credit union, St. Mary's offers a wide variety of portfolio loan programs for non-conforming properties and other situations where more flexible lending guidelines may be appropriate.

Yes, we offer mortgage loans for investment property. Our most popular program for 1- to 4-unit investment properties allows for a relatively low down payment and no points. We also offer financing for large, multi-unit properties (5+ units) and mixed-use properties through our commercial lending division – call 603-629-1540.

We do! We offer second and vacation home financing. We can also finance three-season homes and summer cottages with one of our portfolio programs. To find the mortgage program that best meets your needs, please contact one of our mortgage representatives at 603-629-1580 or 1-888-705-9596.

You will be provided with a "Closing Disclosure" form three (3)-days prior to your scheduled closing date. The "Closing Disclosure" will state the specific amount of funds that you are required to bring to closing in the form of a cashiers/bank check, made payable to the closing agent.

Three (3)- days before your scheduled closing, you will receive a call from the settlement agent letting you know if you need to bring a certified check to the closing and exactly how much it needs to be.

A picture identification, copy of your insurance binder (or existing policy) with a paid receipt and a certified check for any monetary amount required.

Yes, we will provide you with a copy of your appraisal as soon as it is available.

The correct wording is as follows:

St. Mary's Bank, Its Successors and/or Its Assigns, As Their Interest May Appear
c/o Loan Servicing
48 Perimeter Road
Manchester, NH 03103

There is no Annual Fee with a St. Mary’s Bank Credit Card. Please see the Account Terms and Conditions for more information.

A secured credit card uses money you place in a savings account which is used as collateral. Your credit line is based on your income, ability to pay, and the amount of your collateral deposit. A secured credit card is good for members who are new to credit, or for members who are just starting out or rebuilding credit after a major life event such as divorce, job loss, or serious illness. 

Credit life and disability insurance can provide valuable financial security to you and your family if an illness occurs that keeps you out of work or in the event of loss of life.

The easiest way to transfer funds between your St. Mary's accounts is to use Online Banking, our free, secure online banking service. With Online Banking, you can transfer funds on a one-time basis or establish recurring transfers on a weekly, semi-monthly or monthly basis.

Other options for transferring funds between your St. Mary's accounts are calling our 24-hour automated telephone banking service at 603-647-1177, calling our Member Contact Center toll-free at 1-888-786-2791, or visiting any branch office and speaking with a Member Service Representative.

For the easiest and fastest method, reorder personal checks online. You can also order checks through online banking, by calling our Member Contact Center toll-free at 1-888-786-2791, mailing your reorder form to us, or dropping it off at any of our branch locations.

Generally, we will request that you provide two years of tax returns if you are self-employed.

We may ask you to provide two years of tax returns as we consider your loan request.

You may also request research on your account(s) or obtain copies of your statements, checks, and deposits by contacting our Member Contact Center toll-free at 1-888-786-2791. Sign up today and access your account history information online using our free Online Banking.

You can stop payment on a check through online banking, by calling our 24-hour automated telephone banking at 603-647-1177, or by calling our Member Contact Center toll-free at 1-888-786-2791.

A verbal stop payment on your account will be accepted by telephone, but you must sign and return a stop payment form, which you can pick up at any branch, within 14 calendar days of making the verbal request. The stop payment will be deleted from the system if the stop payment form is not signed and returned within 14 calendar days. A processing fee for each stop payment will be automatically deducted from your account. An accurate and complete stop payment is guaranteed after a 24-hour waiting period.

Yes, you may refinance your car loan through St. Mary's Bank. Receive a 0.25% discount off your interest rate when you register for Automatic Funds Transfer (AFT) from your St. Mary's Beyond Checking Account.

Click here to see our Consumer Loan Rates.

For Traditional Home Equity Line of Credit:
During the first ten years of your equity line of credit (the draw period), you will be billed monthly for the interest due on your loan balance. After the ten-year draw period, we will work with you to convert your line of credit into an equity loan, during which time the principal and interest will be repaid over a ten year time frame.

For Home Equity Line of Credit with Lock Option:
During the first ten years of your equity line of credit with a lock option loan (draw period), you will be billed monthly for the interest due on your loan balance.  At any time during the draw period you may choose to lock any or all of your line into a fixed-rate advance. You will choose the term of the advance and pay it back just like a fixed-rate loan.  These fixed payments will be in addition to any interest payments due on any balance that is not locked.  As you pay down your balance, your available credit will increase. You can have 3 fixed-rate advances in one year and at any one time, and 10 over the life of the loan. After the ten year draw period, your line of credit will be converted so that no further advances will be available and you will be billed monthly principal and interest payments to repay your balance over a 10 year time frame.

This is notification that an item deposited into your account has been returned for some reason, typically for non-sufficient funds (NSF). The notice states the amount of the item deposited and the date the deposit was made. There is a processing fee for all items returned. If "WV" appears next to the fee, it means that the fee has been waived and the item has been re-deposited for you.

After your CD/IRA matures, you have a 10-calendar day grace period to make changes to your account.

An updated signature card is required in order to add or delete someone from your account. You may visit a Sales & Service Representative at any branch office or you may contact our Member Contact Center toll-free at 1-888-786-2791. A representative can accept your information over the telephone and mail you the necessary documentation.

Yes. Once you make your loan payment you will be able to print the confirmation page by using the print option in your browser.

Payment amounts are limited to your regular payment amount due at this time. Payment of another amount may result in a delay in the processing of your payment.

Payment Privilege is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Payment Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

 

There is no additional cost associated with this privilege unless you use it. You will be charged our overdraft per item paid fee of $32 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in a total of $90 in overdraft fees for that day. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement.

As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Payment Privilege limit as a non-contractual courtesy.

For overdraft privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Payment Privilege as a continuing line of credit; (3) Not being in default on any loan or other obligation with St. Mary’s Bank; and (4) there are no legal orders, levies or liens against your account.
Please note that the amount of the overdraft plus our overdraft per item paid fee of $32 will be deducted from your overdraft limit. If the item is returned, the overdraft per item return fee of $32 will be deducted from your account. No interest will be charged on the overdraft balance.
Please refer to the member overdraft policy for additional details.

You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your checkbook.

Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts.
 

Beyond Checking	$ 300
Beyond Rewards and Beyond Interest Checking	$ 500

Overdrafts above and beyond your established Payment Privilege limit may result in checks or other items being returned to the payee. The overdraft per item return fee of $30 will be charged per item and assessed to your account. A non-sufficient funds notice will be sent to notify you of items paid and/or returned.

You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. If you are not able to do so, you will receive a letter from St. Mary’s Bank informing you that your Payment Privilege limit has been suspended and additional items will be returned.

The chart below shows the different ways you can access your Payment Privilege limit.
 

Access points	Is my overdraft privilege available?
Teller	Yes
Writing a Check	Yes
Debit Card (recurring)	Yes
Debit Card (everyday)	Optional*
ATM Withdrawal	Optional*
ACH - Auto Debit	Yes
Online Banking	Yes
Bill Pay	Yes
Telephone Banking	Yes

*Payment Privilege service will be made available for ATM or everyday debit card transactions upon your request. Enroll online, call 1-888-786-2791 or visit one of our branches to arrange for your ATM and debit card coverage.

If you are a new member, you may be able to use the Payment Privilege service 30 days after your account is opened, assuming your account is in “good standing”. 

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your check book regularly and manage your finances responsibly. We also offer a variety of online tools to help you manage your finances and avoid overdrafts. If you haven’t done so already, sign up for Online Banking and Bill Pay for easy tools to manage your finances online. However, if a mistake occurs, St. Mary’s Bank offers additional ways to cover overdrafts** in addition to Payment Privilege. Other options include:
 

Good account management	$0
Link to savings account	$10 per sweep
Overdraft line of credit	18% Annual Percentage Rate
Payment Privilege overdraft per item paid	$30

If you would like to have this service removed from your account, please call 1-888-786-2791 or visit a branch office.

Bill payments through online banking, recurring debit card payments, checks and other transactions made using your checking account number may continue to be authorized at our discretion even if you don’t opt in to Standard Overdraft Practices. If we authorize and pay an overdraft transaction on your behalf, standard overdraft fees will apply. 

The service we provide you through Overdraft Protection is separate from the Payment Privilege for ATM and one time debit card transactions service that can be added to your account. When a debit card transaction exceeds your available balance, your St. Mary’s Overdraft Protection is used first to cover the overdraft. Payment Privilege would only be used if funds are needed beyond what is available through your Overdraft Protection. 

If you do not opt in to Payment Privilege, any ATM or everyday debit card transactions that exceed your available balance may be declined. 

You can find a copy of the policy online here, at any office location or we can have one mailed to you. Please call our Member Contact Center at 1-888-786-2791.

**These costs are provided only as examples. Please refer to our schedule of fees. 

Verified by Visa is an innovative service offering secure Internet shopping, using your preferred form of internet payment - debit card or credit card. Verified by Visa lets you add a personal password to your existing card, getting added security and the reassurance that only you can use your card online.

When you purchase online, Verified by Visa issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal password and click "Submit" to proceed with the purchase. Without your password, the purchase cannot take place.

Once you've registered and created a password, each time you make an online purchase, a window will pop up asking for your password like using your PIN at the ATM. When you correctly enter your password, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your financial institution cannot confirm your identity and the purchase will not be completed. No code, no confirmation, no purchase.

If you forgot your password, select the, “forgot your password, click here” link that appears on the receipt. In the following page, re-enter the identifying details that you submitted during your registration for the Verified by Visa service. You will then be able to select a new password.

Please contact us at 1-866-707-6819 for assistance. We are open 24 hours a day, 7 days a week for your convenience.
 

You may download your credit card transactions into Quicken.

If your ATM, debit card, or Visa® Credit Card is lost or stolen, please report it immediately. Prompt reporting will help avoid unauthorized charges to your account.

Call our Card Support Center:

1-877-268-2612
24 hours a day
Seven days a week
Closed Christmas and Thanksgiving

PLEASE NOTE: Additional information regarding your rights and responsibilities can be located within your Electronic Funds Transfer (EFT) Disclosure or by contacting our Member Contact Center at 1-888-786-2791.
 

CardNav is an app that allows you to control your St. Mary's Bank debit card and/or credit card from your smartphone.

Learn more about CardNav.

Mail your payment – including remittance coupon to:

St. Mary's Bank
PO Box 720
Manchester, NH 03105-0720

Ensure you include your account number to avoid delays in processing.

Overnight payments can be made. Payments will need to be sent to the following address and members are responsible for the cost of sending payments overnight. Ensure you include your account number to avoid delays in processing.

St. Mary's Bank
Attn: Loan Servicing
48 Perimeter Road
Manchester, NH 03103

 

If you are enrolled in paper statements for your account, your credit card statement will generate as paper - if you are enrolled in eStatements, the credit card statement will default to electronic. 

You may enroll in eStatements for your account via Online Banking. Just log in, click the "eStatements" tab, and accept the Terms and Conditions. An email notification will inform you when your eStatement is ready to view.

You may request to receive your credit card statement separately as paper at no charge by calling Card Support at 1-877-268-2612 or stopping in at any branch location.

Credit card statements are generated on the 24th of every month.

Authorized users can be added by calling the Member Contact Center at 1-888-786-2791. You must provide their name, date of birth, social security number, address, and relationship to the primary account holder.

Transferring a balance is simple. Contact 1-888-786-2791 and provide the payee name, address, account number, and balance you wish to transfer. The minimum transfer amount is $250.00. Transfers cannot be made to Cash, Self, or other St. Mary’s Bank accounts. Each Transfer is subject to a fee of $10 or 4% of the transfer amount unless conducted during the Introductory Period (first 12 months of account opening then there is no fee). Please see Account Terms and Conditions for more details.

 

With all new accounts, PIN mailers are sent within the first few days of receiving your new credit card. PIN Mailers may also be requested anytime by contacting 1-877-268-2612. A PIN is required to have access to cash via any ATM. For your protection, keep your PIN separate from your card at all times and never share your PIN with anyone.

The cash advance limit is 50% of the credit line assigned to the credit card account. The minimum required for a cash advance is $50.00. The fee is either $10.00 or 4% of the total amount of each cash advance, whichever is greater. The ATM withdrawal max per day limit is $600.00. The bank withdrawal max per day on cash advances is $3,000.00

Let us know your travel plans beforehand to ensure access to your credit card is not interrupted. Transactions outside your normal purchasing pattern can be flagged for suspicious activity through our fraud protection services. Benefits of submitting a travel notice: Protects against fraud, helps to ensure card usage is not interrupted, travel with the convenience of using your credit card. To submit a travel notification, please contact St. Mary’s Bank Card Support at 1-877-268-2612.

EMV chip technology (also referred to as smart chips) offer enhanced security against counterfeiting or cloning.  Cards are issued with an embedded microprocessor chip that store and protect cardholder data. All newly issued St. Mary's Bank credit cards are EMV chip-enabled. 

Cardholders should have already received a chip-enabled credit card. If you need a replacement card, you can call Card Support at 1-877-268-2612.

Click here to learn more about EMV chip-enabled cards.

Please contact our St. Mary’s Bank Card Support Center at 1-877-268-2612. Card Services is available 24 hours, 7 days a week, 365 days a year. You can also access your Credit Card account via your Online Banking account. Online Banking allows you to update your account, view statements, make a payment, set up alerts, and many other features.

 

To redeem and view your Rewards points, please contact our Rewards Center at 1-800-816-3923. Our Rewards Center is available 7 days a week 9:00 AM to 9:00 PM Eastern Standard Time ‐ excluding federal banking holidays and subject to some restrictions.

The St. Mary’s Bank Rewards Program offers a variety of rewards ranging from gift cards, cash back in the form of a statement credit, merchandise, airline tickets, cruise travel, car rental certificates, hotel certificates and charitable giving. Rewards are subject to availability. To view a listing of sample Rewards, click here or log in to your Online Banking account and navigate to the "Rewards" tab.
 

Members are required to complete a new application for a limit increase by calling the Member Contact Center at 1-888-786-2791, visiting a branch or applying online via www.stmarysbank.com. If the credit card account is joint, both owners need to apply (authorized users are not able to request an increase). Only the primary applicant can make a request on business credit cards. Limit increases go into effect within 24-48 hours of approval.

All credit card payments are due on the 21st of the month. The minimum payment amount due is 3% of the balance OR $10.00, whichever is greater.

You can change your debit card PIN by visiting a branch office or if you know your current PIN you can change it at any St. Mary's Bank ATM.

If you know your current PIN, you can change your credit card PIN at any of St. Mary's Bank's ATMs.

If you have forgotten your debit card or credit card PIN, you may request a PIN mailer reminder at any branch office or by contacting our Member Contact Center at 1-888-786-2791.

No, please allow one business day for the payment to be reflected on the loan. If you still have questions or concerns, please call our Member Contact Center at 1-888-786-2791, or visit any of our branch locations.

Yes, but you must contact us first to cancel your automatic funds transfer to avoid duplication of payments.

Please contact the financial institution where your external account is held.

To pay via Pay Now, you’ll need your member number, first name, last name, the last four digits of your Social Security number and your date of birth. You will also need to provide an email address for payment confirmation.

There is no processing fee to make payments using Pay now through the St. Mary’s Bank Website.

You can use Pay Now to make a payment on any consumer loan (Equity Line or Loan, Auto Loan, Personal Loan, Home Improvement Loan, Green Rate Loan, Credit Builder, Credit Builder Plus, Overdraft Line of Credit, or Credit Card). This service is not available for mortgage or commercial loan payments.

To create a Pay Now account, click the Register button. Submit your name and email address. Then, you will be prompted to submit your member number, last 4 of your social security number, and your date of birth. Finally, you must agree to the Terms of Service.

Payments may be made through any of the following options:

• Log in to Online Banking and transfer funds from your deposit account to your credit card account.
• Automatic Payments – Set up a recurring transfer in your Online Banking, or by calling the member contact center at 1-888-786-2791 or completing the Recurring Payment Enrollment form.
• Mail to the remittance address provided on your statement
• Pay by Phone – contact St. Mary’s Bank Member Contact Center 1-888-786-2791 – (fee may apply)
• Automated Telephone Banking – call 1-603-647-1177
• Drop by any St Mary’s Bank branch location
• Pay through St. Mary’s Bank, or another financial institution's Bill Pay
• Make a payment using an external account through Pay Now.

Pay Now is an electronic loan processing system which allows you to make one-time or recurring loan payments to your St. Mary’s Bank loan via our secure web site. This service is not available for mortgage or commercial loan payments.

For Pay Now payments, you will receive an emailed confirmation.

Payments received prior to 7:00 p.m. Eastern time are applied to the loan on the same business day. Payments received after 7:00 p.m. Eastern time will be applied to the loan on the following business day.

You can register and create an account for added convenience when making future payments, or you can choose “Express Pay” if you would like to make a payment without creating an account.

While we re-establish your bill pay payees and history, the system may take a moment to re-sync. Please log out and log back in after 15 minutes to complete the connection.

Please contact the Member Contact Center at 1-888-786-2791

Your account may need to be resynched. To do so, navigate to "settings" and then "accounts". Or you may resync right from the dashboard.