User Guides

eXpressPay User Guide

eXpressPay is a service that allows you to make a payment on any CCU loan or Visa credit card using an account you have at another financial institution (FI). Your CCU loan/Visa payment can be made quickly and conveniently from your online banking for a small processing fee. You are able to make a payment using a Visa/Mastercard debit card or by using a routing and account number. eXpressPay can be used for onetime payments and you are able to schedule payments up to 45 days in advance.

To use eXpressPay, please follow these steps:

Once logged into your Online Banking, go to View Accounts -> Account Summary.

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Locate the loan account you would like to pay under Loans. If you are making a payment to any loan type, other than a CCU Visa credit card, please take note of the full loan ID number in the first column listed to the left of the loan you would like to pay. You will need this number to make your payment. The full number can be viewed by hovering over the ID number. If you are paying your CCU Visa credit card, your full 16 digit card number will be required.

Select the blue eXpressPay link to the right of the loan you would like to pay.

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Then select the blue “Click here to access eXpressPay.” link.

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You are now accessing the eXpressPay website. You will be prompted to enter your account number you would like to make a payment for. The account number requested is the ID number that was listed. If you are paying your CCU Visa credit card, enter your current full 16 digit card number. The last 4 digits of your Social Security Number must also be entered. Select Submit.

Screen capture displays image of highlighted areas to enter information on Welcome screen for CCU eXpressPay.


You will be presented with a screen displaying your name, the amount due, your due date and funding options.

From the Funding Accounts, choose Bank Account (routing and account number from another Financial Institution), Debit Signature (processes the debit as a credit transaction) or Debit Pinless (processes the debit as an ATM transaction). Submit.

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Making a Payment with an Account Number

If choosing to pay with a routing number and account number, please choose if the account is a Business Checking, Business Savings, Personal Checking or Personal Savings account. Enter the Routing (ABA) Number and Bank Account Number into their fields. If you want to change the payment date to a future date, you are able to up to 45 days in advance. If you do not change the date, the payment will process as the date shown under Payment Date. Verify the amount to pay. A payment made via eXpressPay cannot be made for less than the amount due. Enter your email address and re-enter to confirm to receive an email confirmation. If you decline to provide an email address, checkmark the box stating so. Select Continue.

Screen capture shows how to make a payment with an Account Number.

Making a Payment with a Visa/Mastercard Debit Card - Pinless

If choosing to make a payment with a Visa/Mastercard debit card as a Pinless transaction, please choose the option for Debit Pinless on the Funding Account Information screen. This payment type will require your full 16 digit debit card number to make the payment. Please enter the required debit card information. The name listed on this screen must match the name on the card being used for payment. If you want to change the payment date to a future date, you are able to up to 45 days in advance. If you do not change the date, the payment will process as the date shown under Payment Date. Verify the amount to pay. A payment made via eXpressPay cannot be made for less than the amount due. Enter your email address and re-enter to confirm to receive an email confirmation. If you decline to provide an email address, checkmark the box stating so. Select Continue.

Screen capture displays how to make a Payment with a pinless Visa or Mastercard Debit Card.


Making a Payment with a Visa/Mastercard Debit Card - Signature

If choosing to make a payment with a Visa/Mastercard debit card as a Signature transaction, please choose the option for Debit Signature on the Funding Account Information screen. On the next screen, choose the Card Type (Visa or Mastercard) in the Card Type dropdown menu. This payment type will require your full 16 digit debit card number, the expiration date and the 3 digit security code on the back of the card (CVV) to make the payment. Please enter the required debit card information. The name listed on this screen must match the name on the card being used for payment. If you want to change the payment date to a future date, you are able to up to 45 days in advance. If you do not change the date, the payment will process as the date shown under Payment Date. Verify the amount to pay. A payment made via eXpressPay cannot be made for less than the amount due. Enter your email address and re-enter to confirm to receive an email confirmation. If you decline to provide an email address, checkmark the box stating so. Select Continue.

Screen capture shows how to make a payment with a Visa Mastercard Debit Card, Signature.


Once you continue, you will be prompted to Verify Account Information. Review your requested payment, accept the Terms and Conditions and select Confirm your payment. If you would like to Modify the payment or Cancel, these options are available at the bottom of the page in blue.

Screen capture displays where to verify payment information.


Once you confirm, your payment request has been received. If you entered your email address, you will receive an email with a confirmation number and the details of your payment.