Loan Payments, Bill Payments, Transfers and P2P FAQs

• How can I make a loan payment?
  

  You can make payments through the "Loan Payments" option.

  For mobile users:

  Select "Menu" from bottom navigation, then "Loan Payments."

  For desktop users:

  Select "Loan Payments" from the left menu.

• How do I pay on a loan with Mobile Deposit?
  

  You may make a mobile deposit to an APGFCU checking or savings account and then make an internal transfer to the loan account. The first $500 of a mobile deposit is immediately available; the balance of the deposit will be available when the check clears. Alternatively, you may set up an external transfer from another institution to your APGFCU loan and save the step of writing a check. See "How to pay my APGFCU loan from another credit union or bank?"

• How can I access bill pay?
  

  To access basic Bill Pay functionality, please select "Bill Pay" in the main menu. For the full Bill Pay service, on this page select "Options" and "Visit Bill Pay Site." Here you can edit and update biller information. Alternatively, you can select "Transfer & Payments" in the main menu, then "Pay with Bill Pay."

• Will bill payments need to be set up again?
  

  No. Pre-existing bill payments and internal automatic transfers migrated to the new system and will be processed as scheduled.

• How can I pay my Visa^® loan?
  

  Visa credit cards are loans. From the menu, please navigate to "Loan Payments" to make a payment on your outstanding APGFCU Visa balance.

  There are three payment options: "Regular Payment," "Other Payment" and "Pay Balance to Zero." The amounts for "Regular Payment" and "Pay Balance to Zero" are prefilled and cannot be changed. "Other Payment" will allow you to enter a payment amount of your choice, up to the amount of the outstanding balance.

• Will transfers need to be set up again?
  

  Yes, external transfers will need to be reconfigured. External transfers did NOT migrate and you need to relink external accounts and set these up again. To link to an external account, please select "Transfers & Payments" from the menu, and then "Manage External Accounts." Follow the steps from there, which will require you to verify two microdeposits before you will have the ability to make transfers. The microdeposits will take 1-3 business days to appear in your external account.  Once they have been deposited, return to the "Manage External Accounts" page to verify the amount of the two deposits, which will link your external account as a funding source. 

  Once you have linked your external account, the account at the other financial institution will show as an option in the "From" account field.  To make a loan payment, please select "Loan Payments" from the menu. To make a deposit transfer, please select "Transfers & Payments" from the menu, and then "Transfer Money." 

  Please note the "Link Account" feature allows you to see the balances and recent transactions for accounts you have at other credit unions and banks. It does not give you the ability to make transfers to/from those accounts. 

  Internal automatic transfers migrated to the new system and will be processed as previously scheduled.

• How do I pay my APGFCU^® loan from another credit union or bank?
  

  To make payments to an APGFCU loan from an external account, you must enroll in external transfers. From the menu, please select "Transfers & Payments," then "Manage External Accounts." Follow the steps from there, which will require you to verify two microdeposits before you will have the ability to make transfers. The microdeposits will take 1-3 business days to appear in your external account.  Once they have been deposited, return to the Manage External Accounts page to verify the amount of the two deposits, which will link your external account as a funding source. 

  Once you have linked your external account, the account at the other financial institution will show as an option in the “From” account field.  To make a loan payment, please select “Loan Payments” from the menu. 

  Please note the "Link Account" feature allows you to see the balances and recent transactions for accounts you have at other credit unions and banks. It does not give you the ability to make transfers to/from those accounts. 

• How do I transfer to/from accounts at other credit unions and banks?
  

  To enable transfers to and from external accounts, you must enroll in external transfers. From the menu, please select "Transfers & Payments," then "Manage External Accounts." Follow the steps from there, which will require you to verify two microdeposits before you will have the ability to make transfers. The microdeposits will take 1-3 business days to appear in your external account.  Once they have been deposited, return to the Manage External Accounts page to verify the amount of the two deposits, which will link your external account as a funding source. 

  Once you have linked your external account, the account at the other financial institution will show as an option in the “From” account field.  To make a deposit transfer, please select “Transfers & Payments” from the menu, and then “Transfer Money”. 

  Please note the "Link Account" feature allows you to see the balances and recent transactions for accounts you have at other credit unions and banks. It does not give you the ability to make transfers to/from those accounts. 

• Can I send money to friends and family?
  

  Yes, APGFCU offers our Pay-a-Person (P2P) service that allows you to send money from your APGFCU to the email address or cell phone number of any contact.  

  In Online Banking, please select "Pay a Person" in the left navigation to access this feature. In Mobile Banking, please select "Menu" and then "Pay a Person." After you accept the terms, enter the contact information, and send funds, the recipient will be directed to a portal to elect how they would like to receive the funds. Once the recipient accepts the funds and selects their transfer method, the amount will be withdrawn from your linked APGFCU account.