All HFCU branches, drive-thrus, and HFCUVT Video Branch will be closed on Monday, October 9 for Indigenous Peoples’ Day.
Loan Payments from an External Source FAQ
Payment(s) will be posted the next business day before the Credit Union opens for regular business. If paying via ACH 1 , your payment may take 2-5 business days to post. Please consider this when scheduling your payment using ACH.
Fees vary depending upon the method used to make your payment:
To make a loan payment with your debit card over the phone with either an agent or using the automated phone system, please call 888.252.8932 and follow the prompts. Additional fees may apply for late payments.
Yes, but not as a single transaction. For example, if you wanted to make your normal payment and then make an additional payment just to the principal, it would be best to process them as separate transactions, regardless of the method you are making your payment.
When making an ACH 1 payment from an external financial institution, you need the routing/ABA# and account number. If you are making the ACH 1 payment from inside of eBranch online banking, you can either set up a connection to the external account manually or via your online banking credentials from the other institution.
You will need your debit card when making your payment over the phone.
Yes.
Interest is added daily to your loan. Please call our call center at 888.252.8932 or visit a branch to ensure the correct payoff amount.
Only primary and joint owners listed on the loan(s) can make payments.
Yes, however, paying less than the minimum amount due will still leave a balance due on the regular due date. Partial payments are not allowed for Mortgages, and if the amount paid is less than the normal amount due for the mortgage, it is applied as a principal-only payment instead of a partial payment.
Each system varies in the maximum amount it can process.
To make a loan payment with your debit card over the phone with either an agent or using the automated phone system, please call 888.252.8932 and follow the prompts.
Different payment systems can handle different payment requests.
Funds can take 2-5 business days to process when transferring from an external institution.
While you may pay with a debit card, credit cards are not accepted.
To make a loan payment with a debit card, please utilize one of the options below:
Additional fees may be incurred for late payments.
Processing times differ depending upon the service used:
You must contact the financial institution where the payment came from to discuss stop-payment options.
When using the online loan payment system, your username will always be your email address. Please select "forgot password," and an email will be sent with password reset instructions.
SmartDeposit FAQ
Yes, there are default limits for SmartDeposit:
Consumer Members
Daily: Two checks per day with a total dollar amount of $2,000
Monthly: Twenty checks per month with a total dollar amount of $20,000
Business Members
Daily: Five checks per day with a total dollar amount of $10,000
Monthly: Twenty checks per month with a total dollar amount of $20,000
Members may request higher (or lower) limits but must be a member in good standing 2 . Their account will be reviewed, and other restrictions may apply.
SmartDeposit will accept the following types of checks:
• A personal check (Share Draft)
• Payroll check
• Money Order
• Traveler’s Check
• Certified Check
Yes, there are several types of checks that SmartDeposit will not accept:
• A third-party check, i.e., any item that is made payable to another party and then endorsed to you by such party
• An item drawn on your personal account at HFCU Credit Union
• An item that contains evidence of alteration to the information on the check
• Any check previously converted to a "substitute check" as defined in Regulation CC
• An item issued to you by a financial institution in a foreign country
• Cashier's Check
• Remotely Created Check
• An item that is stale, dated/expired, or postdated
• Any item that is "non-negotiable"
• Items that have been re-deposited or returned, such as NSF, or refer to maker, or returned for any other reason
• Any incomplete item
• Cash
• Saving Bonds
Endorsements that MUST be on the back of a check deposited through Smart Deposit:
• Your Signature
• "For Deposit Only"
• Your Account Number
• "Heritage Family Credit Union"
Members should hold onto checks deposited via SmartDeposit for six months.
Heritage Family Credit Union has online banking apps for Android® and iPhone® devices.
Whatever your financial needs - day or night - you have access to your account information to help you meet your demanding lifestyle. From our branches, apps, and call center, we are here to serve you wherever you are.
1 ACH = Automated Clearing House
2 A member in good standing is one with no delinquencies on loans or negative balances on primary accounts.