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How to make a loan payment

Zing Credit Union offers different ways to make a loan payment. Explore the options below to find the right method for you.

  • The easiest way to make a loan payment is by transferring money to your loan within your Zing Credit Union online and mobile banking account.

    How To:

    1. If you are not already enrolled in online banking, do this first.  View the instructions.
    2. Once you are logged into your account, select the Move Money option from the main menu on the left-hand side of the screen.
    3. Click Transfer Money.
    4. Select the account you wish to transfer money from.
    5. Then, select your loan account.
    6. Click Transfer Funds.
    7. Enter the amount of your loan payment.

    This is the most immediate way to make a loan payment.

    Manage Your Loan On-The-Go!

    Download our mobile banking app!

    Transfer Money Into Your Zing Account

    To get money into your Zing account to pay your loan, you have a few options:

  • If you would like to set up an ACH Payment from another institution to your Zing Credit Union loan, start with the following steps:

    1. Log into your online or mobile banking account.
    2. Select Add External Account from the Move Money menu on the left-hand side of the screen.
    3. Enter the Account Number, Account Type, and the Routing Number for the external account you wish to add.  Click Continue.
    4. Two micro deposits will be made to the external account.  Please note it may take a business day or two for the micro deposits to be made.
    5. Once the micro deposits are made to your external account, log back into your Zing account, and verify they micro deposits by selecting Verify External Account under the Move Money menu.
    6. Once your external account has been verified, you can now set up a recurring loan payment.
    7. Select Transfer Money under the Move Money menu.
    8. Select your External Account from the From Account drop down.
    9. Select your loan account from the To Account drop down.
    10. Enter the loan payment amount,
    11. Select the frequency for which you wish the loan payment to be made.
    12. Click Transfer Funds

    You can manage your ACH payment under Manage Online Activity under the Move Money menu.

  • Make a payment to your loan with a debit card.  Please note that use of our payment portal comes with a fee.

    Learn more here.

  • You can make an in-person loan payment via cash or check at any of our branch locations.

How to Enroll in Digital Banking

To enroll in online and mobile banking, follow these steps:

  1. Go to the enrollment page.
  2. Enter your information where prompted.
  3. For the current membership password, enter the security password you set up on your account.  If you did not set up a security password for your account, use the last 4 digits of your Social Security Number.
  4. The date of birth must be entered MM/DD/YYYY.
  5. Click Continue.

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TRUTH IN SAVINGS DISCLOSURE

Except as specifically described, the following disclosures apply to all the accounts.

  1. Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account.  The annual percentage yield is based on an assumption that interest will remain on deposit until maturity.  A withdrawal will reduce earnings.
  2. Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves.  The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
  3. Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side.  The dividend/interest period for each account is also set forth on our Rate and Fee Schedule.  The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
  4. Balance Information. The minimum balance required to open each account is set forth.  Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
  5. Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account.  Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account.  If you close your account before accrued dividends are credited, accrued dividends will not be paid.
  6. Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
  7. Your account will mature on the maturity date set forth on your account receipt or renewal notice.
  8. Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
  9. Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
  10. How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account.  This penalty applies to earned interest and principal.
  11. Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity.  You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
  12. Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
    • When an account owner dies
    • or is determined legally incompetent by a court
    • or other body of competent jurisdiction.
  13. Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
  14. FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance.  The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item.  You may consult the Funds Availability Policy for information regarding the availability of funds in your account.  Fees for overdrawing your account may be imposed for each overdraft, item or transaction.  If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit.  Please refer to the Rate and Fee Schedule for current fee information.

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