Pay Your Loans From Text or Online.
What is MessagePay?
MessagePay is a quick, secure, and easy way for you to make loan payments using your Debit or Credit Card—either by text message or through Online Banking.
How does it work?
You can access MessagePay right from the H-E-B FCU Mobile App or Online Banking. Just click the link, verify your info, and pay your loan using your card.
You can use MessagePay to make payments on:
- Auto Loans
- Personal Loans
- Mortgage Loans
- Share Accounts
However, MessagePay payments cannot be made to Bankruptcy, Written-Off, or Credit Card loan accounts.
Is there a fee to use it?
Yes. There’s a $5.99 convenience fee per transaction for a Debit Card transaction and $9.99 for a Credit Card transaction. Don’t worry—you’ll see the exact fee before you complete your payment.
Eligible Debit Cards: Mastercard, VISA, and Discover
Eligible Credit Card: Mastercard and Discover
Is it safe to use?
Absolutely. MessagePay uses encrypted, bank-level security to protect your personal and financial information.
Can I cancel a scheduled payment?
Yes. You can cancel any scheduled payment as long as you do it before the transaction is processed. Just log into the MessagePay portal to make any changes.
Need help?
We’re here for you! Call us at (210) 938-7850 or visit www.hebfcu.org for assistance.
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 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.