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Easy Pay - Terms & Conditions


American 1 Credit Union is offering this payment service ("Easy Pay") as a convenience option to you, our valued member ("you" or "your"). Currently, Easy Pay is limited to the ability to pay your American 1 Credit Union Loans electronically over the Internet. In addition to these Terms and Conditions, you should review our Frequently Asked Questions (FAQ) and our Privacy Policy. The FAQ page includes important information about what browsers are currently supported by Easy Pay, how information sent or received using Easy Pay is encrypted for security purposes, and other information about how Easy Pay works and how to get help if you have a problem using Easy Pay. Our Privacy Policy includes important information about the type of information we collect about you, how we collect that information, and what we can do with that information.


Easy Pay incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment through Easy Pay. You will not be able to submit a payment until Easy Pay authenticates you and you will not be allowed to use Easy Pay to pay your loan payments until you have read these Terms and Conditions and have acknowledged doing so by clicking the "I Accept" button at the bottom of this page.

As the user of Easy Pay, and upon your acceptance of these Terms and Conditions, you will have submitted your debit card information. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information to us for use with Easy Pay.

Easy Pay may be used for payment on both consumer and commercial accounts.

If the payment method is a debit card for your Business, then it must be one for which you are a properly authorized signer.

By accepting these Terms and Conditions, you authorize American 1 Credit Union’s Easy Pay to initiate a charge to your debit card according to your instructions. Each time you use Easy Pay to pay your loan payment, you will be reauthorizing us to charge your debit card.

By accepting these Terms and Conditions, you represent and warrant that:

You are 18 years old or older;

You are using your actual identity and any information you provide is accurate and complete;

You are legally authorized to make payments using your debit card;

You have read and agreed to our Privacy Policy; and

Your use of Easy Pay will not violate any local, state, national or international laws or regulations.


By providing American 1 Credit Union with the account information for your debit card, you authorize us to follow the payment instructions we receive from you through Easy Pay.

When you use Easy Pay to send us a payment instruction, you authorize American 1 Credit Union to initiate a message to your debit card provider to charge your debit card and to send those funds to us for payment on your loan so that we receive the funds as close as reasonably possible from the date indicated by you in the payment instruction. If your payment is received after the due date of the bill, regardless of any cause except for our failure to reasonably process your explicit payment instruction actually received by us, then you will remain responsible for any late charges and interest assessed, the same as if you mailed your payment to us and we received it after the due date. This would be true even if you are unable to access the system due to problems with the Internet, or our servers being temporarily unavailable. Therefore, we recommend that you instruct Easy Pay to initiate each payment to us at least four (4) business days before the actual due date. (Business days are Monday through Friday, except for federal banking holidays). If you use Easy Pay to send us your payment instructions after 5:00 P.M. (Eastern Time Zone) on a business day, then Easy Pay will treat your instruction as if it was received on the following day. It is the day we receive payment from you, and not the day we receive your instructions, that determines whether your payment was timely received.



These Terms and Conditions are the legal binding agreement between American 1 Credit Union and you with respect to Easy Pay. You will be agreeing to the current provisions of these Terms and Conditions each time you make a payment using Easy Pay. These Terms and Conditions may have been altered or amended from the last time you used Easy Pay so be sure to read it each time before you make a payment to be certain you still agree with its provisions. Your use of Easy Pay after any changes to these Terms and Conditions will constitute your agreement to such change(s).


We reserve the right to terminate Easy Pay at any time, or to terminate your use of Easy Pay. If we terminate your use of Easy Pay, you will need to pay your loan payment in another manner.


If there is a dispute regarding Easy Pay, you agree to resolve the dispute in accordance with the dispute resolution procedures and governing law as outlined in your Credit Agreement.

These Terms and Conditions are the complete and exclusive statement of the agreement regarding Easy Pay between you and American 1 Credit Union. It supersedes any proposal or prior agreement, oral or written, and any other communications between you and American 1 Credit Union relating to Easy Pay. If there is a conflict between what an American 1 Credit Union employee tells you and the terms of this document, these Terms and Conditions will prevail.

You should print and retain this document for safekeeping and reference at any time during usage of Easy Pay.