Can I make payments to my Vantage loan(s) via an account(s) from another financial institution?
Yes, but you must first be enrolled in online banking. Not yet enrolled? Follow these steps:
- Click on New User in the Member Login box above.
- Complete the Required Information and Validation Questions, and click Enroll.
- Next, you’ll be asked to Create a Username and Password, and Choose Verification Questions.
You are now enrolled!
How do I add an account from another financial institution?
When you click the Pay Now button from the loan you wish to pay and choose Select a source, you’ll have the ability to Choose an internal account, Or pay from an external account. Under Or pay from an external account, you’ll see Add Account. Clicking Add Account expands a box that allows you to add an external Checking, Savings, or Card (debit or credit).
For a checking/savings account
Enter Name on Account, Routing Number (the 9-digit number on the bottom left of your check) and Account Number (the system will automatically add the name of the institution under the routing number). You’ll also be able to give the account a Nickname if you’d like to use it for scheduled and/or future payments. You should add a nickname if you want to use this account again for future payments. Click Submit and complete the payment process (Payment Amount/Frequency). Continue and verify your information. Click Schedule Payment. Your payment will be scheduled and your external account will be added!
For a card (debit/credit)
Add the card number, the name on the card, the expiration date, the CVV (the 3-digit card security code found on the back of the card), and a nickname for the account if you’d like to use it for scheduled and/or future payments. You should add a nickname if you want to use this account again for future payments. Click Submit and complete the payment process (Payment Amount/Frequency). Continue and verify your information. Click Schedule Payment. Your payment will be scheduled and your external account will be added!
Add an external account without making a payment
You’re also able to add an external account without making a payment. After logging in, go to Profile & Security/Manage Accounts, then External Accounts and Add Account. Input information and Save.
How do I make a payment on my Vantage loan using an account from another financial institution?
Once you’ve added an external account (see above), simply select it as your source, select the loan, add the payment amount and click on the Continue button. You’ll be asked to verify the information. When you’re sure all information is correct, click on Schedule Payment. Your payment will be made immediately if you choose to make an immediate payment, or be scheduled for future and/or recurring payments if that was your choice.
Can I make a payment on my Vantage loan using my Vantage credit card?
Of course. You simply need to add your Vantage Mastercard credit card as an external source. Be sure to have your card handy for entering the information (see above).
Can I pay my loan from an external account on the Vantage MyMobile app?
External account access is not currently available on our mobile app. Please log in to your account through your mobile browser at vcu.com to make payments from an external account.
What type of payments am I able to schedule?
You can schedule immediate payments, one-time future dated payments and scheduled/recurring payments.
When will payments be posted to my loan?
Immediate payments will be posted to your Vantage loan immediately. Scheduled and/or recurring payments will be posted on the date and recurrence you choose.
When will payments be reflected in the account from which I made the payment?
Payments from an external source will usually be debited from your account within two business days after the effective date of the payment.
If I pay toward my Vantage loan using a non-Vantage credit card, when will the payment be reflected in my credit card account?
The transaction will be posted typically within 2-3 business days.
What if I have a recurring payment scheduled, and I’m offered the option to skip payments through the Skip-A-Payment program?
If you take advantage of such offers as Skip-A-Payment (or would simply like to stop the scheduled payment indefinitely), you will be responsible for reconfiguring the scheduled payment information. To do this, you must first delete the original scheduled/recurring information, and then set up a new scheduled/recurring payment with the updated information. If you do not, the “skipped” payment(s) will be processed as usual.
Am I able to set up payment alert notices?
Yes. Once you’ve scheduled your recurring payment and receive your payment confirmation page, you’ll have the option to set up a payment reminder. The reminder allows you to choose how many days ahead of the payment you’d like to be reminded that your payment will be submitted. You can edit or cancel loan reminders at any time under Profile & Security/Notification Settings.
How do I modify a pending loan payment from an external source?
Pending payments that are scheduled to be made at a future date cannot be modified. To change information, you must first delete the original scheduled/recurring information and set up a new scheduled/recurring payment with the updated information.
Am I able to see payoff amounts on my loans?
Yes and no. You will be able to see payoff amounts on all loans except for mortgage and credit cards. Please call the credit union for mortgage or credit card payoff amounts.