Loan Payment Options
Raritan Bay FCU offers a variety of ways to make a loan payment. These options include: making a payment online via MessagePay, setting up an Automatic Payment via ACH, using Bill Pay, setting up an account-to-account transfer through our Online Banking, setting up a Recurring Payment from your Raritan Bay FCU account, calling us to make a phone payment, mailing your payment and making a payment in person at our branch.
Pay on our website with MessagePay:
You can make a payment to your Raritan Bay FCU loans from any external
account.
Pay via text message or on our website.
What you should know:
- You will receive a text message informing you of the amount due on your loan. You will be able to review your payment options or you will be able to 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 will
have to setup the following:
- 4-digit PIN: once you have entered your account number and date of birth, it will prompt you to create a 4 digit pin. Store this information in a secure place as you will need this pin number to verify future payments.
- Preferred method of payment:to make a payment you will have to add your 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 done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
- Once your account has been successfully verified, you will be directed to the payment portal where you’ll be able to see all of your loans and will also be able to select your preferred payment method.
Member Benefits:
- The fee for ACH transactions and debit card transaction is $5.99.
- Encrypted information guarantees your information is secure
- Convenient ways to pay from an external account: text or website,
- Payments accepted from checking accounts, savings accounts and debit cards
Frequently Asked Questions
If I opt out of receiving text messages will I still be able to pay my loans online?
Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.
How can I pay my account via text message?
Once you receive a text reminder, you respond “Pay” to the 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. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.
More Payment Options
Automatic Payment via ACH
Set up a recurring payment through us directly by filling out our ACH Debit origination Agreement which can be found by clicking here.
Bill Pay
Make a payment through another financial institution’s bill pay service. You will need your loan account number and Raritan Bay FCU’s Routing number, 221278488. Please ensure your account number is correct to prevent any delays or errors with your payment being processed on time.
Account-to-Account Transfer
Log into our Online Banking, click on the ‘Transfers’ tab then ‘External Account Transfer’ then follow the instructions.
Recurring Payment from your Raritan Bay FCU Account
To set up a payment directly from your Raritan Bay FCU Account, contact us at 732-727-3500.
Phone Payment
To schedule an ACH payment over the phone, please call us at 732-727-3500. A $10 convenience fee will be assessed.
In Person
Visit us at 491 Raritan Street, Sayreville, NJ 08872 to make a payment in person.
Mail Your Payment
Mail your payment to:
Raritan Bay FCU
Attn: Loan Payments
491 Raritan Street
Sayreville, NJ 08872
When mailing a check, please write your account number on the front of the check and include a loan coupon, if available.