Sending us money from an outside account? Here's the inside information.

  • It's free to use your account and routing numbers from a non-MSGCU checking or savings account to make a loan payment
  • Schedule recurring payments or arrange for transfers on an as-needed basis
  • For a fee, you can use QuickPay to make a last-minute payment to your vehicle, home, or personal loan using a non-MSGCU debit card or a credit card with the MasterCard or Discover logos

Get started by downloading our MSGCU QuickPay guide to help you during the registration process. And don't forget, there are many other ways for our members to make loan payments on time every month, including in person, online, or over the phone.

QuickPay Frequently Asked Questions

  1. How do I make a payment?
  2. What information do I need in order to log in/register to MSGCU QuickPay?
  3. What if I don't know my Member Account number?
  4. What if I don't know my Consumer Loan ID or Mortgage Loan ID?
  5. How much does it cost to use your MSGCU QuickPay service?
  6. What loans can I pay using MSGCU QuickPay?
  7. What payment methods can I use with MSGCU QuickPay?
  8. What if I have multiple loans that I need to make payments on?
  9. Can I use MSGCU QuickPay to make a payment from my MSGCU savings or checking account?
  10. Can I set up recurring payments with MSGCU QuickPay?
  11. Can I make future payments with MSGCU QuickPay?
  12. When will my payment be posted?
  13. Does changing my address in MSGCU QuickPay automatically change my account information?
  14. Who should I call if I am having difficulties using MSGCU QuickPay?

 

1. How do I make a payment?
Download our MSGCU QuickPay guide for step-by-step instructions.

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2. What information do I need in order to log in/register to MSGCU QuickPay?
All you need is your MSGCU Member Account number and Loan ID for your consumer loan and/or mortgage loan.

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3. What if I don't know my Member Account number?
Your member number is located on the member ID card you were issued at the time you opened your MSGCU account. If you are unable to locate your member ID card and wish to obtain a replacement, you may do so in person at any branch location or by calling the credit union to request a new member ID card be mailed to the address listed on your account. To request a replacement card by phone, please contact an MSGCU Representative at 586.263.8800 or 866.674.2848. For security reasons, we cannot disclose account numbers over the phone.

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4. What if I don't know my Consumer Loan ID or Mortgage Loan ID?
Your consumer loan ID number is located on your monthly statement or on the original loan paperwork you were issued at the time you opened your MSGCU loan. On your statement, the ID is the two-digit number that is located just before the name of the loan. When logging in, you do not need to use any preceding zeros for your account number or Loan ID.

   Example of Consumer Loan Login:  Account – 12345678  Loan ID – 12

   Enter: 1234567812

Your mortgage loan ID number consists of your Member Account number (see previous question) followed by two extra digits found on your monthly statement, on the original loan paperwork you were issued at the time you opened your MSGCU loan, and in Online Banking. On your statement, these extra digits are on the end of the truncated number that is located under the Mortgage Accounts section. 

   Example of Mortgage Loan Login:  Account – 12345678  Loan ID – 1234567812

   Enter: 123456781234567812

If you are unable to locate a monthly statement or your original loan paperwork for your loan ID number, you may request copies in person at any branch location or by calling an MSGCU Representative at 586.263.8800 or 866.674.2848. Loan ID numbers can be disclosed over the phone, but only if the member already knows their account number.

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5. How much does it cost to use your MSGCU QuickPay service?
The fees for using the MSGCU QuickPay service vary depending on the selected method of payment. Please see the "Payment Processing Fees" section of our Fee Schedule for details.

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6. What loans can I pay using MSGCU QuickPay?
Through MSGCU QuickPay, you are able to make payments on any loan that you have with the credit union. This includes mortgages, personal loans, auto loans, VISA credit cards, and more.

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7. What payment methods can I use with MSGCU QuickPay? 
To pay your MSGCU VISA card, you can transfer funds from any non-MSGCU checking or savings account, using the routing and account number.

For all other loans — such as auto, mortgage, or personal loans — you can not only transfer funds from another financial institution, but you can also use a non-MSGCU debit or credit card with the MasterCard or Discover logos or a debit card with the VISA logo. MSGCU QuickPay does not accept American Express or Visa Credit Card payments.

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8. What if I have multiple loans that I need to make payments on? 
You can use MSGCU QuickPay to make payments on all of your MSGCU loans. Once you register for MSGCU QuickPay, you must add your loan accounts to your profile. Then, you will be able to make payments on all of your MSGCU loans using QuickPay.

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9. Can I use MSGCU QuickPay to make a payment from my MSGCU savings or checking account? 
If you want to make a payment using funds in your MSGCU savings or checking account, you can use our Online Banking system to make a FREE loan payment. You may also call our Call Center at 586.263.8800 and ask to make a payment from your MSGCU account.
 

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10. Can I schedule my payment or set up recurring payments with MSGCU QuickPay? 
Yes. Using the "Payment Date," you may schedule one-time payments to be made within the next 30 days from the current payment date. You can also set up recurring weekly, bi-weekly, semi-monthly, and monthly payments with MSGCU QuickPay.

Once your loan is paid off, please be sure you log in to QuickPay to cancel any scheduled recurring payments.

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11. Can I make extra payments with MSGCU QuickPay?
In a given month, you are able to pay more toward your MSGCU loan; however, the due date of your next payment will remain the same. Any extra funds paid in a given month will be applied to your balance, but members will still need to make their required payment the following month.

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12. When will my payment be posted? 
All payments made before 7:00 p.m. on business days will be credited to your account on the same day. All payments made after 7:00 p.m. will be credited to your account on the next business day. Payments made on federal holidays and non-business days will post the next business day.

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13. Does changing my address in MSGCU QuickPay automatically change my account information? 
Changes made to your address in the MSGCU QuickPay system will not be reflected on your MSGCU account information. If you need to change the address listed on your MSGCU account, please use Online Banking or see an MSGCU Representative at any branch location.

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14. Who should I call if I am having difficulties using MSGCU QuickPay? 
If you have any questions about MSGCU QuickPay or encounter difficulties logging in, please speak to an MSGCU Representative by calling 866.674.2848 or chatting live during our regular business hours. You can also send us an email at service@msgcu.org.

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READY TO PAY YOUR MSGCU LOAN?