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.
Click on the Move Money > Make a Loan Payment, this will take to you to our external site Messagepay.com.
You can use MessagePay to make payments on:
- Auto Loans
- Personal Loans
- Mortgage Loans
- Share Accounts
However, MessagePay payments cannot be made to 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
Free Ways to Make Loan Payments
H-E-B Federal Credit Union offers several convenient, no-fee options for Members to make loan payments easily and securely:
Transfer Funds Between Accounts – Move money between your H-E-B FCU accounts through Online Banking or the Mobile App.
Set Up Loan ACH Origination – Arrange automatic payments directly from your H-E-B FCU account for consistent, on-time payments.
Visit a Shared Branch Location – Members can make a payment at any participating Shared Branch. For a list of participating shared branch locations and hours or to find a shared branch, please visit our Shared Branch Locations Page.
Schedule a Recurring Transfer – Set up a repeating transfer within Online or Mobile Banking to simplify your monthly payments.
In Person or by Mail – Make your payment at:
H-E-B Federal Credit Union 4630 N. Loop 1604 W., Suite 101
San Antonio, TX 78249
Monday-Friday 9:00 a.m. – 5:00 p.m.
or mail a check or money order to:
H-E-B Federal Credit Union P.O. Box 782529 San Antonio, TX 78278
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.