Message Pay 

Introducing Message Pay!

Talk about easy! You may now make a payment to your Total Choice FCU loan or account from an external account…..as easy as a text message or email or through our website.

How to set up your account for Message Pay

You will receive a text message letting you know that your loan is due. You will be able to review payment options or be able to opt out of our text message service by texting “STOP”. Once a text message is received, enter your account number and date of birth.

1 Receive a Text Message

Message Pay account lookup screen

2 Verify Your Account

Message Pay make a payment now screen

3 Create Your PIN

(You will need this PIN to verify future payments!)

Message Pay PIN creation screen

4 Set Up Your Payment Method

Message Pay payment method screen

Set up Your Payment Method

To make a payment you will be required to add your preferred form of payment into the portal. You can do this by selecting ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT which will forward you to a secure website to input your information. If done correctly, you will see a message that states “Payment Method Success” and you will then be redirected to the payment portal.

Message Pay Information

  • The fee for Message Pay Transactions is $5.95/transaction.

  • Encrypted information guarantees your information is secure.

  • This is a convenient way to make your payments when unable to come to a branch!