Make A Payment with MessagePay

No need to worry about late fees, ONE Credit Union is introducing MessagePay, a convenient tool designed for those moments when time is of the essence. With MessagePay, making a payment quickly to avoid late charges is possible and cost-effective.


Effortless Mobile Payments

MessagePay transforms how you handle your loan payments with us. This cutting-edge platform enables you to initiate payments swiftly from your mobile device through a simple text message, leveraging any external bank account. It’s the ideal solution for ensuring your payments are on time, especially when you’re down to the wire. 

Stay Ahead of Late Fees

With MessagePay, you’re not just making a payment; you’re taking an intelligent step to save money and keep your account in good standing. The small $5.99 convenience fee applied to each loan payment via MessagePay is a cost-effective alternative to a $30 late fee, providing you with peace of mind and financial flexibility when needed.

What you should know:


  • Once you sign up for Message Pay, you’ll get a text message informing you of the amount due on your loan. You’ll be able to review your payment options, or you can 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 member account number and date of birth.
  • When you verify your account for the first time, you’ll have to set up the following:
  1. 4-Digit PIN: Once you’ve entered your account number and date of birth, you’ll be prompted to create a 4 digit pin. Store this information in a secure location; you’ll need your pin number to verify future payments.
  2. Preferred method of payment: To make a payment you will have to add a 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 completed correctly, there will be a message stating “Payment Method Success” and you’ll be redirected to the payment portal.
  • Once your account has been successfully verified, you’ll be directed to the payment portal where you will be able to see all of your loans and will also be able to select your preferred payment method.

Member Benefits:


  • Transaction fee to use MessagePay is only $5.99 per payment.
  • Encrypted information guarantees your information is secure.
  • Convenient ways to pay from an external account: text, website, and online and mobile banking.
  • Payments accepted from savings accounts, checking accounts, and debit cards.

Can I make a payment on my loans through my online and mobile banking account?


Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.


If I opt out of receiving text messages will I still be able to pay my loans online?


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


How can I pay my account via text message?


Once you receive a text reminder, you respond “Pay” to the same 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 should receive a confirmation text. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.