We want to make things easier for you!

Make a payment to your Baylor Health Care System Credit Union loans or credit cards from any external account.

Make a payment!

What To Know

  • You will receive a text message informing you of the amount due on your loan. You will be able to review your payment options or you will be able to opt out of our text message service by texting “STOP”.
  • The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.
  • When you verify your account for the first time you will have to setup the following:
    • 4 digit pin: once you have entered your account number and date of birth, it will prompt you to create a 4 digit pin. Store this information in a secure place as you will need this pin number to verify future payments.
    • Preferred method of payment: to make a payment you will have to add your preferred form of payment in the portal. You can do this by selecting ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT which will prompt a secure website for you to input your information. If done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
  • Once your account has been successfully verified, you will be directed to the payment portal where you’ll be able to see all of your loans and will also be able to select your preferred payment method.

Member Benefits

  • Pay loans 24/7 via the secure payment portal
  • Pay easily using external debit cards, checking, and savings accounts
  • Avoid late fees: $5.99 convenience fee is lower than a late fee
  • Payments typically post to your loan on the same day you submit them
  • Secure portal allows you to easily edit payment methods and view payment history

Frequently Asked Questions

What is Make A Payment?

Make A Payment is another way to pay your BHCSCU loan using non-BHCSCU accounts. You can pay by visiting the payment portal using your smartphone, tablet or computer.

Is there a fee for using this payment service

There is a $5.99 convenience fee for each loan payment.

How do I make a payment via Make A Payment?

You can make a payment through the payment link here or the link received in a reminder text sent by the credit union. For first time use, you will need to input your account number and date of birth as verification, then set up a PIN.
Once you set up your preferred payment, you can simply pay via text. Simply respond “Pay” to the reminder text. You will be asked to enter your PIN to verify your account. Once you have completed this process, your payment will be complete, and you will receive a confirmation text.

What are the acceptable forms of payment?

Payments can be made using a debit card or by ACH (Account & Routing Number). Make A Payment does not accept credit cards.

Can I use my BHCSCU account to pay through Make A Payment

Yes, you can, however if you are paying your loan from a BHCSCU account, we highly recommend you make a transfer via online banking or mobile app free of charge instead to avoid the $5.99 service fee.

Will I be able to see all of my loans or do I have to set up separate payment profiles for each loan?

All loans within a single account will reflect in one Make A Payment profile. Any loan(s) under a different account number will be set up under a separate Make A Payment profile.

 

When will the payment be posted to my loan?

All payments will be posted to loans in real-time once a payment is submitted successfully.

 

 

What if I need to cancel a payment that has already posted?

A payment may be reversed within moments of the payment being received but because these are real-time payments, a reversal may not be an option. In this case, a refund must be processed but the fee is non-refundable. Please contact Member Services at memberservices@bhcscu.com.

 

 

 

Does Make A Payment offer payment reminders?

You will receive a text reminder 5 days before and after your loan due date with a link to make a payment.

 

 

 

How does Make A Payment affect my automatic payment?

Automatic payments will continue to pay as normal.

 

 

 

 

 

 

Do I need to setup Make A Payment if I already have automatic payments set up for my loan?

No. If you already have automatic payments on your loan, you will not need to pay using Make A Payment. You can disregard the text alert or keep it as a helpful reminder for your upcoming existing automatic payment will be processed.

 

 

 

 

 

 

When searching for my account, I received a “No Account Found” message.

Please contact Member Services at memberservices@bhcscu.com for assistance.

 

 

 

 

 

 

 

If I opt out of receiving text messages, will I still be able to pay my loans through Make A Payment?

Yes, however, you will have to access the payment portal through our website. You will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.