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Loan Payments

Make Your Payment Anytime, AnywhereAuto Loans image

MAKE PAYMENT

We know your time is valuable.  Remember that making loan payments is simple when using OHecu Online Banking in conjunction with your OHecu accounts.  Please use the “Online Banking” login above to access your OHecu account.  If you are not enrolled in online banking, you can complete that process by using the Enroll Now button at the top of this page.

To open an OHecu checking account, please speak with a membership service representative by calling 216-621-6296 or toll free at 1-800-552-6328.  You can also visit any OHecu branch.

If you want to make your loan payment from your accounts at another financial institution, OHecu makes available some alternatives for you to choose from.

Alternative #1: OHecu Initiated Recurring ACH Payment

OHecu can automatically make your payment by withdrawing funds from your designated account at another financial institution through the ACH payment process.  To enroll in this free service you can speak with a membership service representative by calling 216-621-6296 or toll free at 1-800-552-6328.  You can also visit any OHecu branch to complete the form.

Alternative #2: Self Service Payment

The Self Service Payment process enables you to establish a recurring payment or a one-time payment through the internet.  

The Self Service Payment process can be performed by registering through the Self Service Payment portal, which will then retain your information for future payments, or by using the Express Pay feature.  When using the Express Pay feature you will need to enter your information each time a payment is requested.  When using the Self Service Payment process we encourage you to register through the Self Service Payment portal to save you time the next time you need to make a payment.

The Self Service Payment process allows you to make loan payments via the ACH payment process, with a debit card or most credit cards.  VISA credit card rules do not allow loan payments to be made with a VISA credit card.

What you need when using this service:

To register through the Self Service Payment portal you will need your member number, email address and the last four digits of your social security number.  

Within the Self Service Payment portal or through the Express Pay feature you will need your debit or credit card to make a payment via these methods.  To make an ACH payment you will need your bank routing number and your bank account number.

There is a one-time convenience charge of $4.95 when you utilize this service to create a recurring ACH payment through the Self Service portal. 

There is a convenience charge of $4.95 for each one-time payment you initiate through this process.

Alternative #3: Member Assisted Payment  

The Member Assisted Payment process enables you to have an OHecu membership service representative help you make the payment from your other financial institution.   The OHecu membership service representative will need your debit or credit card information to make a payment or your bank routing number and your bank account number to help you make a one time ACH payment.  There is a convenience charge of $9.95 for each payment made through this process. 
 

MAKE PAYMENT

 

FAQ's

Why is there a convenience charge? 
OHecu incurs additional expenses for processing loan payments from accounts at other financial institution. 

We encourage you to enroll in the OHecu Initiated Recurring ACH Payment service which is free and saves you time.

What do I need for the Self Service Portal? 
To register through the Self Service portal you will need your member number, email address and last four digits of your Social Security number. You can also make payments as a guest without registering by using the Express Pay option.

What do I need to make my payment?
To make a payment via the Self Service Portal or with a Member Service Representative you will need your checking account number and your financial institution routing number for an ACH payment; MasterCard, Discover or American Express card for a credit card payment; or VISA or Master Debit Card for a debit card payment. Please note that due to VISA Rules a VISA credit card cannot be used to complete this payment transaction.

When will payments post?                                                                                           
Payments made by 5 p.m EST will be processed next business day with an effective date of the date received. Payments may take 1- 3 business days to appear on your other financial institutions account. You will receive a confirmation email with the date details.

Can I payoff my loan through the online or automated phone service? 
You can pay off your loan by calling the OHecu Member Service Center at 216-621-6296 or 1-800-552-6328 option 7.  Fees may apply. 

What types of loans can I pay? 
You can make payments on personal loans, auto loans, other titled loans, and lines of credit using these new features. You cannot make a payment to your OHecu VISA Credit Card. 

If you have an OHecu vehicle lease, you may also use this service to make your lease payment.

How will I know my transaction was successful? 
You will receive an email confirmation for all payments processed via self- service portal and Member Service Representatives. 

What if I need to dispute a payment? 
Please speak with an OHecu membership service representative at 216-621-6296 or toll free at 1-800-552-6328 for recurring transactions. All other payment issues please contact your financial institution.

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