Protection for Your Finances
What is MessagePay?
MessagePay is a convenient and secure service that allows H-E-B Federal Credit Union Members to make loan payments using a debit card or an external bank account—all via text or email.
How does MessagePay work?
Once enrolled, Members will receive a secure text or email reminder when a loan payment is due. The message includes a link where they can verify their identity and make a payment using their preferred method—no app download or login required.
What types of payments are accepted?
MessagePay accepts payments made with:
• A debit card (Visa or Mastercard)
• An external bank account via ACH transfer
What types of H-E-B FCU loans can be paid with MessagePay?
Members can use MessagePay to make payments on:
• Auto Loans
• Personal Loans
• Credit Cards
• Home Equity Loans
• RV Loans
• Other consumer loans
Note: Mortgage and share deposit payments are not currently eligible for MessagePay.
Is there a fee to use MessagePay?
Yes, a $5.99 convenience fee per transaction is charged per transaction when using MessagePay. The exact fee is shown in the payment portal before the transaction is completed.
How do Members enroll in MessagePay?
Members will automatically receive a text or email invitation when they open a qualifying loan. By following the secure link provided, they can verify their information and set up their payment preferences.
Is MessagePay secure?
Yes. MessagePay is protected with encrypted, bank-level security to ensure all personal and financial information is safe and secure.
Can a scheduled payment be canceled?
Yes. Scheduled payments can be canceled as long as they are canceled before they are processed. Members must log into the MessagePay portal to manage or cancel scheduled transactions.
Who receives MessagePay notifications?
Only Members with past due loan amounts will receive MessagePay notifications. To ensure delivery, Members should verify that their current email address and mobile number are on file with H-E-B Federal Credit Union.
Who can Members contact for help with MessagePay?
For assistance with MessagePay, Members can contact H-E-B Federal Credit Union Member Services at (210) 938-7850 or visit www.hebfcu.org.
MessagePay is a convenient loan payment option offered by H-E-B Federal Credit Union that allows Members to make payments using a Visa or Mastercard debit card or an external bank account via ACH transfer. A convenience fee of $5.99 applies to each transaction, which will be clearly disclosed before the payment is confirmed. MessagePay is available for eligible consumer loans, including auto loans, personal loans, credit cards, RV loans, and home equity loans. Mortgage loans and share deposits are not eligible for this service. Payments are processed upon authorization and may take up to two business days to reflect on the loan account. Members are responsible for ensuring payments are submitted on time to avoid late fees, as using MessagePay does not guarantee avoidance of such fees. Scheduled payments can be canceled only if done prior to processing; once processed, payments cannot be reversed through MessagePay. The platform uses secure, bank-level encryption to protect personal and financial information. Only Members with past due loan balances will receive MessagePay notifications, and it is the Member’s responsibility to ensure their contact information is current. H-E-B Federal Credit Union reserves the right to modify or discontinue MessagePay or its terms at any time without prior notice.