Pay Through Online Banking
The easiest way to pay!– FREE, simple and worry-free!
Schedule Automatic Payments
Never have to worry about being late! Set up recurring transfers from your Advantage FCU Savings or Checking account.
Transfer Funds Internally
Transfer funds from another Advantage FCU account. This is available through our Online Banking and Mobile App.
Click below to get started.
External Payment Options
External Loan Payment
Make loan payments from your external bank account directly through our Online Banking and Mobile App. All you need is the full account number and 9-digit routing number of your external account to get started!
Express Pay*
In a crunch? You can securely make a loan payment using funds from another financial institution. An option where YOU can initiate a payment from another financial institution (ACH) OR by using MasterCard, Discover, or Visa Debit Card. Visa Credit Card is NOT accepted.
Here is what you will need:
- Your Member Number
- Date of Birth
- Last 4 digits of your Social Security Number
*Please note there is a $10 convenience fee for this service. Click ‘Express Pay’ below to begin.
Payments using this service post to your loan one business day later for ACH and two business days later if paid with a card. These transactions may be considered a cash advance by your card issuer and you may be subject to any related charges.
This option is also available over the phone. Please call our Member Service Center at (585) 454-5900, Ext. 5.
More Ways to Pay
In Person in a Branch
Visit any of our seven branch locations to make your loan payment.
Mail Your Monthly Payment
Send a check from another financial institution to:
70 Metro Park
Rochester, NY 14623
Please include your 6-digit member number and loan type (ex. 1000, 4000, 4300).
Skip A Payment
At Advantage FCU we offer the opportunity to skip a payment on applicable loans. This comes with a $35 fee and the skipped payment is added to the end of your loan. Other terms also apply. Please click here or call us at (585) 454-5900, Ext. 5 to see if this option may be beneficial to you.
If you use another financial institution’s bill pay service to send payments to AFCU on your behalf it is required that you confirm your payment was received and credited to your AFCU loan correctly. We cannot control their processing and will not be held liable for any posting errors. Any fees, finance charges, or credit reporting delinquencies will not be reversed or credited for posting errors due to bill payment processing.