You will need your account number (member number) and loan suffix. You should have recently received this information in an oversized envelope via USPS. If you did not receive this information via USPS, please call us at 888.328.8677.
Pay your First Northern loans from your account at another financial institution — quickly and easily! Successful MessagePay payments made from an external checking or savings account are made at no charge to First Northern members. A $7 fee applies for payments made by debit card. We do not accept payments by credit card.
Before using MessagePay for the first time, you need to complete the initial set up, shown below. There are 2 ways to set up MessagePay:
- Set up MessagePay on your own here if you know your member number.
- Call us at 888.328.8677 extension 355. Our team can send you a text message with a link, with the amount due on your loan and due date. The text message will have your member number securely embedded in it. Click the link in the text message to visit the payment portal to set up your account with the following info:
To set up your account for the first time:
Click the link in the text message you received from our team (if applicable, see above). Enter FNCU member number and date of birth of primary lienholder. For your security if you have misplaced your member number call us at 888.328.8677.
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Verify date of birth of primary lienholder, then create a 4-digit PIN. Store your 4-digit PIN securely as you will need it to verify future MessagePay payments.
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Add your preferred form of payment. Note that there is no fee to pay with an external checking or savings account, and a $7 fee to pay by debit card. We do not accept credit card payments.
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Once your account has been successfully verified, you will be directed to the payment portal where you make or schedule a payment with your preferred payment method.
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Never miss a payment—it's easy and convenient to pay your loan by text message!
MessagePay makes it easy to remember to make your loan payment, and to pay it anytime, from anywhere. After you have completed the initial set up, here's how it works:
- You will receive a text reminder when your loan payment is due.
- Respond 'Pay' to the text.
- You will be asked to enter your PIN to verify your account.
- Once you have completed this process your payment will be complete and you should receive a confirmation text.
- Encrypted information guarantees your information is secure.
Why are you texting me when I did not opt in?
Only marketing text messages require you to explicitly opt in. MessagePay is a transactional message, and use of it does not require you to explicitly opt in.
Can I opt out of MessagePay?
Yes, you may opt out of MessagePay texts by replying to the message with the word “STOP”. However, if you do this, you will need to remember to make your loan payment on time.
Do I need to use text message to make a payment, or can I do so through online banking or the FNCU Mobile app?
You can abolutely pay your loan online without being enrolled for text messages. Simply log in to online banking or the FNCU Mobile app and select ‘Make a Payment’ from the menu. This will take you to the payment portal where, after completing the initial set up, you can make your payment.
What kind of fees will I be charged?
There is no fee for this service if paying by an external checking or savings account. There is a $7 fee to pay by debit card. We do not accept payment by credit card. Returned payments are subject to a Returned Payment fee. See our fee schedule for details.
Can I text you questions to the same phone number?
No, any texts TO the MessagePay number will go unanswered and we will not receive your message. If you have questions, please visit a branch location or call 888.328.8677.