1st Pay Online Loan Application

1st Pay Online

First Class American Credit Unions Online 1st Pay is an easy way to transfer money from an account at another institution to your Share Savings Account, Share Draft Account, or to make your FCACU Loan Payment. You can also use this feature to transfer money to your checking or saving accounts at other institutions.

To use this feature, you will have to login to 1st Branch (your online account) and navigate to the External Transfers Option in the drop down menu on the left-hand side.



Account Setup

The Member will be prompted to enter to following information:

  • Account Type
    • Checking/Savings
  • Routing Number
    • Verified against FRB List
  • Account Number
  • Account Description
    • e.g. Account Nickname



Account Verification and Management

Account Verification requires the member to have access to account history at the other financial institution.

Two small deposits (less than $2) will be made to the member’s account at the other institution. In 1st Branch, the member will be prompted to enter in deposit amounts for verification.

Verified accounts can also be deleted from this screen.


Scheduling External Transfers

On the ‘Transfers’ screen, members will be able to select an external account to transfer money from/to in the drop down box.

Existing external transfers can also be maintained or deleted.



**The following limits have been set into place for 1st Pay Online Transfers:

  • Debits from your First Class American Credit Union Account to another Financial Institution – $2,000.00
  • Credit to your First Class American Credit Union account from another Financial Institution –  $5,000.00
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