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Discover the way that works for you to make a loan payment.
Make a payment on your loan, we've got 7 options...
- Login to MMFCU’s Online Banking (at the top of this page) or our Mobile App and pay from your MMFCU checking or savings.
- Not an MMFCU Online Banking or Mobile App user, make a one-time online payment below as a Guest for a fee.
- Pay-by-Text using a debit card, checking or savings account at another financial institution.
- Write a check and mail it to PO Box 746, Brainerd, MN 56401.
- Deduct it from your paycheck.
- Make a payment at your local MMFCU office.
- Complete a Direct Pay form and we will set-up the automatic payment for an MMFCU account or another financial institution.
- COMING SOON! Pay from an account at another bank or credit union. A new and updated way to pay from another financial institution is coming soon!
You choose what works for you! We are here to help.
Guest User ($9.95 Fee) Payment From Another Financial Institution
With this option there is a $9.95 fee per transaction but allows you to pay using a debit card, checking or savings account at another financial institution.
**Make the payment for free by logging into MMFCU’s Online Banking (at the top of this page) or our Mobile App, See below for step by step video.**
Pay-by-Text ($9.95 Fee) Payment From Another Financial Institution by Text
Set up text reminders for your MMFCU loan payments and quickly send a keyword back to make your payment from your other financial institution. There is a $9.95 fee per transaction for this option and it allows you to pay using a debit card, checking or savings account.
**Save money by making your payment for free by logging into MMFCU’s Online Banking (at the top of this page) or our Mobile App. See below for step-by-step video.**
Set up Loan Payments in Online Banking or Mobile App
Learn how to set up your loan payment from your Mid Minnesota Savings or Checking Account in Online Banking or the Mobile App.
Perks of Being an Online Banking or Mobile App User
Once you are an Online Banking or Mobile App user, you will be able to add and update account information easily:
- Manage your money or make a payment from anywhere at anytime
- Add/update payment methods
- Make payments from another financial institution checking or savings account
- Make a one-time current or scheduled payments
- Modify a scheduled or automatic payment
- Establish an AutoPay schedule
- View transactions made with your account
- For Recurring Payments, you will need to log in and stop the payment when the loan is paid in full.
Items Needed to Make a Loan Payment From Another Financial Institution
- 1MMFCU loan number you want to make payment to.2If Paying by Checking Account
Institution routing number, and account number. If you have checks, the routing number is at the bottom of the check between two colons, as you can see in the image below. Your account number is the other string of numbers. Note that most checks will also have the check number along the bottom as well, this will match the number in the upper right corner of the check (this is in yellow below). The account number (in orange below) should be the longer of the two (not located between the colons). If you do not have checks, contact your financial institution. They should be able to provide this information to you.
If Paying by Savings Account
the institution’s routing number and the account number. Again, if you do not have this information contact that financial institution, they should be able to provide it to you.
- 1MMFCU loan number you want to make payment to.2Last four digits of Social Security number of the primary account holder.3Email address to send confirmation.4If Paying by Debit Card
You will need the card number, expiration date, and security code.
If Paying by Checking Account
Name on check, institution routing number, and account number. If you have checks, the routing number is at the bottom of the check between two colons, as you can see in the image above. Your account number is the other string of numbers. Note that most checks will also have the check number along the bottom as well, this will match the number in the upper right corner of the check (this is in yellow below). The account number (in orange below) should be the longer of the two (not located between the colons). If you do not have checks, contact your financial institution. They should be able to provide this information to you.
If Paying by Savings Account
Name on the account, the institution’s routing number and the account number. Again, if you do not have this information contact that financial institution, they should be able to provide it to you.
Other Convenient Ways to Make a Loan Payment
Make your payment by contacting a local staff member to help you.
Manage Your Payments
Manage your payments in Online Banking or the Mobile App anytime, anywhere, 24/7 and have the ability to adjust them whenever you need to.
Looking for other ways to set up an automatic payment?
Payment from Another Financial Institution
If you are more comfortable setting up an automatic payment from another financial institution by filling out a form an sending it in, we've got you! Fill out the form below and drop it off at your local MMFCU office, or mail it back to us at PO Box 746, Brainerd, MN 56401.
Set up Your MMFCU Visa Credit Card Payment
Set up your payment to your MMFCU Visa Credit Card by filling out the form below and dropping it off at any MMFCU office or mailing it back to us at: PO Box 746, Brainerd, MN 56401. This way your Credit Card payment is taken care of and you can have peace of mind that you are good to go!
Don’t Have a Mid Minnesota Checking Account?
Checking Account Features
- Online and Mobile Banking
- Online Bill Pay
- Electronic Statements- secure delivery of your monthly statements and other important account notifications
- Shared Branch Network- You have access to over 5,900 credit unions nationwide, and nearly 30,000 ATM’s just as if you were at your local branch.
- Debit Card Alerts & Controls
- Overdraft Protection Options
You May Be Able to Skip-A-Payment
We get it - life can throw unexpected curveballs. Whether it's an emergency expense, a special occasion, or you simply need a little extra cash flow, we're here to help. That's why we offer our Skip-a-Payment program, designed to provide you with financial flexibility when you need it.
Frequently asked questions
We're here to help, wherever you are on your financial journey.
- How do I transfer money to/from my account at another financial institution?
Make a Loan Payment Tool
To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution.
Direct Pay
To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. You are also able to set up a direct pay in your local office.
- How do I make a loan payment?
In Office or Drive-Up
Make your payment with the tellers.
Over the Phone
Call us at (218) 829-0371 and make the payment over the phone.
Mail
Write out a check for the payment amount and mail to us:
MMFCU
PO Box 746
Brainerd, MN 56401
Make sure that your name is on the check along with either the account number in the memo line or the type of collateral the loan is for (i.e: 2007 Dodge Ram, Mortgage Payment, HELOC payment, etc).
Night Deposit Box
Use the night deposit box at your local branch.
Transfer Funds in Online or Mobile Banking
To transfer between your own accounts, you can use the transfer tool which is on the bottom of your screen on the MMFCU Mobile App on your mobile phone (it is under ‘Transfer & Pay’ when logged in to Online Banking). Select the account you want the funds to come from and then select the loan you want to make a payment on. Finally, you will need to select the type of payment you’d like to make.
Make a Loan Payment in Online or Mobile Banking
You can even link an account at another Financial Institution in Online or Mobile Banking. Learn how.
Make a Loan Payment Tool
To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution.
Direct Pay
To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. You are also able to set up a direct pay in your local office.
- What is Bill Pay?
Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make a payment and which account you want the payment to come from. It’s safe, secure and easy to use.
- How do I transfer funds in the mobile app?
To transfer between your own accounts, you can use the transfer tool which is on the bottom of your screen on your mobile phone or android.
You can also use this tool to transfer funds from your account to another MMFCU member, you will need to know the business name or first and last name of who you would like to transfer funds to, as well as the account number that the funds need to go into. To transfer to another member, you would need to click the add account button when you get the deposit account (or the account you want the funds to go to).
Need help or have questions?
Chat with one of our expert staff: