All PCMCU locations will be closed on Monday, September 7th in observance of Labor Day. Our mobile app and online banking are great resources to manage your finances 24/7.

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Routing: 275977858
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Introducing PCMCU’s newest product, MessagePay!

Managing your PCM Credit Union loan payments has never been easier. With MessagePay, you can make secure payments from any external bank account, right from your text messages or mobile browser. No need to log in to online banking or visit a branch. It’s a fast, convenient, and secure way to stay on top of your loan payments wherever you are.

Coming soon!

How to Make a Payment

1. Verify your account

A phone screen with account number and date of birth

2. Create your 4-digit PIN

A phone screen with setting a 4-digit PIN

3. Add a payment method

A phone screen with payment methods add a new card or add a new bank

4. Make a payment

A phone screen with make a payment now and schedule my payment

With MessagePay, you will receive a text message informing you of the amount due on your loan. Click on the link to set up your account and make instant payments though text, or opt out of our text messaging service by replying to the message with “STOP”.

  1. The link will take you to a portal where you will be asked to verify your account with your member number and your primary account holder’s date of birth.
  2. You will need to verify your account the first time you use MessagePay. After entering your account number and date of birth, it will prompt you to create a 4-digit pin. Store this information in a secure place as you will need this pin number to verify future payments.
  3. Add your preferred form of payment in the portal. You can do this by selecting ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT which will prompt a secure website for you to input your information. If done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
  4. Once your account has been successfully verified and you add a payment method, you will be directed to the payment portal where you’ll be able to see all of your loans and make a payment.

Important Details

  • The transaction fee to use MessagePay is $5.99
  • Encrypted information guarantees your information is secure
  • This service provides a convenient way to pay from an external account via text or online/mobile
  • Payments accepted from checking accounts, savings accounts, and debit cards
  • Your payment may take up to three (3) business days to post to your account.

Frequently Asked Questions

Here are some frequently asked questions about using MessagePay to make a payment: 

What is MessagePay?

MessagePay is an online payment platform that allows eligible PCM Credit Union members to make loan payments electronically without visiting a branch. It supports ACH (bank account) and debit card payment methods through a secure payment portal. 

A $5.99 convenience fee will be charged for each payment made through MessagePay.

You only pay the $5.99 convenience fee if you use the MessagePay service via text message or link to the portal. If you log into online banking or the mobile app and make a payment from one of your PCMCU accounts, you will not be charged the convenience fee.

Yes. You can continue to make payments from your current PCMCU online banking and mobile banking accounts using another PCMCU account. Those transfers are and will remain free for you to complete. If you would like to pay from an external account through your debit card, credit card, or ACH payment, MessagePay is your best option.

MessagePay communications from PCM Credit Union are expected to come from 920-471-4775. If you receive a text message regarding your loan payment and are unsure about its legitimacy, please contact PCM Credit Union at (920) 593-2201 before taking any action.

No. You can use the Make a Payment button at the top of this page at anytime to make a loan payment or deposit funds into your PCMCU share accounts from another financial institution.

If you are unable to access MessagePay because of a PIN issue, please contact PCM Credit Union for assistance at (920) 593-2201.

Yes. You can access the portal by clicking the Make a Payment button at the top of this page. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

Yes. MessagePay uses a secure payment portal and requires PIN authentication to help protect access to your payment information and account activity.


To protect your information:

  • Do not share your PIN.
  • Do not provide payment information to anyone claiming to represent PCM Credit Union unless you initiated the contact.

Need Assistance?

PCM Credit Union is here to help.

If you have questions about MessagePay, need assistance making a payment, or believe you are experiencing a problem with the system, please contact us directly at (920) 593-2201.

Our team is committed to ensuring you have a smooth and successful experience with MessagePay.

To learn more about MessagePay, click here.