Pay My Loan

How To Set Up An ACH Payment (Free)

What To Know Before You Make A Payment

Prior to making your first payment, you will be required to create an account.

You will also need to know your loan ID. When entering the loan information to make a payment, the loan ID should be entered as: AccountNumber: LoanType: LoanNumber, for example a loan ID should be formatted as follows: ######:UA:01. Information about your loan ID may be found within your online and mobile banking account. You may also call 303-573-1170 for assistance.

Payments may only be made with a debit card. Credit card payments are not allowed.

Loan payments will be posted to the account the following business day. A $10 processing fee will be assessed for each electronic loan payment made with a debit card. If you wish to avoid the $10 processing fee, please make a payment by making a funds transfer within your online banking account, setting up an automatic payment to the loan, or by visiting a branch location to make a payment.

Other FAQs

Yes, in order to use the payment portal, you will need to register as a new user.
Yes, the fee is $10.00. If you would like to make a payment, but avoid the fee, please make a payment my transferring funds in your online or mobile banking account, setting up an automatic payment to the loan from another institution, or by making an in-person payment at any branch location.
Yes, you have that option via the payment portal. If you set up the recurring payment schedule with ACH, there is no fee. This ACH will not stop just because a loan is paid off. If you set up a recurring ACH payment, it is your responsibility to end the automatic payment once the loan is paid off.
Visa Debit, MasterCard Debit and Discover debit cards. Members may not pay a loan with a credit card.
The next business day. If a payment is made Friday through Sunday, it will post on Monday. Payments made on a holiday will be posted the next business day.
Yes, it is “AccountNumber:LoanType:LoanNumber. An example is ######:UA:02
Yes, but for your convenience it would be best if you create an account on the payment portal so you can make the payment anytime.

How To Set Up An ACH Payment

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

Log into your online or mobile banking account.
Select Add External Account from the Move Money menu on the left-hand side of the screen.
Enter the Account Number, Account Type, and the Routing Number for the external account you wish to add. Click Continue.
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.
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.
Once your external account has been verified, you can now set up a recurring loan payment.
Select Transfer Money under the Move Money menu.
Select your External Account from the From Account drop down.
Select your loan account from the To Account drop down.
Enter the loan payment amount,
Select the frequency for which you wish the loan payment to be made.
Click Transfer Funds

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

Truth In Savings Disclosure

TRUTH IN SAVINGS DISCLOSURE

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

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.
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.
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.
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.
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.
Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
Your account will mature on the maturity date set forth on your account receipt or renewal notice.
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.
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.
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.
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.
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.
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.
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.

Checking Comparison Chart

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Preferred Checking

Clear Card

Second Chance Checking

Minimum Opening Balance

Suggested opening amount- $25

ID Safe Choice Charge Possible

Yes

Direct Deposit

Accepted and encouraged

Dividends Paid

Privilege Pay

Available after 90 days

Overdraft LOC

Available immediately, with approved credit

ATM/Debit Card

Instant Issue

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Available

Free Bill Payer

Available

Mile High APY

Yes

N/A

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5 Buck Club

Yes