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Chevron Federal Credit Union

CFCU Public How to Make a Credit Card Payment-C.doc 1: 12 REV 09/19/12

CFCU Credit Cards We want to keep your banking easy at Chevron Federal Credit Union, so we’ve created different ways to:

• Access Your Credit Card Account Information

• Make Credit Card Payments

For step-by-step demonstrations on how to access your credit card account online or how to set up AutoPay, go to Credit Cards on our website and click one of the following links:

• My Account Access Demo

• Setting up AutoPay Demo

If you just need the basics, follow the steps in the next section, Accessing Your Account, to quickly access your account information or review the Credit Card Quick Reference on our website.

To review your options for making a credit card payment, go to the section Making a Payment beginning on the next page.

CFCU Credit Cards: Accessing Your Account There are at least three ways to access your account information:

• Online through the CREDIT CARDS link on the right side of our website homepage.

• Online through the ONLINE BANKING link on our website.

• Using the 800# and your telephone.

http://www.chevronfcu.org/ConsumerLoans/Pages/CreditCards.aspx

http://newsletters.chevronfcu.org/elan/elan.htm

http://newsletters.chevronfcu.org/elanautopay/elanautopay.htm

http://newsletters.chevronfcu.org/elanautopay/elanautopay.htm



CFCU Credit Cards: Accessing Your Account Online Using the CREDIT CARDS Link

From our website (www.chevronfcu.org): • Click the CREDIT CARDS link at the right of your screen. • Click MY ACCOUNT ACCESS.

Using the ONLINE BANKING Link From our website (www.chevronfcu.org): • Log in to ONLINE BANKING:

Enter your MEMBER NUMBER and press ENTER on your keyboard. Answer your Security Plus question. Verify your Security Plus phrase and image. Enter your password and press ENTER on your keyboard.

• Click ADDITIONAL SERVICES in the menu tabs at the top of your screen. • Click LINKS (in the links just below the ADDITIONAL SERVICES tab). • Click MY ACCOUNT ACCESS in the CREDIT CARDS section at the top of the page.

Contact Us by Phone Our Cardmember Service is always open to assist you 24 hours a day, 7 days a week, 365 days a year. To reach us:

Within the U.S., call toll free: 1-800-558-3424 Outside the U.S., call collect or direct: 1-701-461-1878

(These are also the numbers to call to report a lost or stolen card.)

CFCU Credit Cards: Making a Payment Because we all handle our finances differently, we’ve given you options for making credit card payments:

By mail

By computer

In person

By telephone

http://www.chevronfcu.org/




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Credit Card Services Home Page

CFCU Credit Cards: Making a Payment by Mail Mail your payments directly to Cardmember Service for processing.

Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408

CFCU Credit Cards: Making a Payment Online Make payments online through Credit Card Service AutoPay or PC Access Bill Payer.

Using AutoPay to Make a Payment AutoPay may be used each month to pay your credit card bill, or AutoPay can be set up to automatically make your payment for you each month. To set up AutoPay, access your credit card account online though MY ACCOUNT ACCESS and follow the instructions in the previous section, Accessing Your Account, to access the ONLINE ACCOUNT ACCESS screen.

Accessing Your Account Information

From the ONLINE ACCOUNT ACCESS screen, you can:

• Log in to the main Credit Card Services homepage (1). • Enroll for online services for the first time (2). • Set the screen you wish to visit first (3). • View an ONLINE

OVERVIEW of the website (4).



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Online Account Access Screen Showing Your Destinations

Online Account Access Screen and Credit Card Services Transaction Details Homepage

• To log in and set your destination to the MANAGE PAYMENTS screen in one step:

Enter your PERSONAL ID (1) and PASSWORD (2) in the fields provided.

Use the down arrow next to the SELECT YOUR DESTINATION field (3) to open the screen selection menu.

Select MANAGE PAYMENTS (4) from the drop-down menu.

Click LOGIN (5). The MANAGE PAYMENT screen opens.

• To log in to the CREDIT CARD SERVICES homepage (TRANSACTION DETAILS): Enter your PERSONAL ID (6) and PASSWORD (7) in the fields provided. Click LOGIN (8). The TRANSACTION DETAILS screen opens. The TRANSACTION DETAILS screen is the Credit Card Services homepage.

To make a payment, click MANAGE PAYMENTS in the menu at either the left (9) or right (10) of your screen. The MANAGE PAYMENTS screen opens.

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Manage Payments Screen

Payment Accounts

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Add or Edit Accounts for Payment Screen

From the MANAGE PAYMENTS screen, click MAKE A PAYMENT (1) to make a one-time payment.

Before Making a Payment: Payment Accounts

Before making a payment online, you must set up the accounts you wish the funds to come from. You must enter at least one payment account, but may enter up to four payment accounts.

• If you have already set up a payment account, the ADD OR EDIT ACCOUNTS FOR PAYMENT screen will show the account information in the Payment Accounts table, and you may move ahead to page 8, Making a Payment.

• If you have not yet set up a payment account, the Payment Accounts table will be empty and you will need to add a payment account.

Click ADD AN ACCOUNT (2). The ACCOUNT INFORMATION screen opens.



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Account Information Screen

Complete the following requested information: ♦ ACCOUNT TYPE (1)

Click either: CHECKING OR SAVINGS If using a MarketEdge account, choose CHECKING, even though MarketEdge accounts are savings accounts. NOTE: All savings accounts,

including MarketEdge accounts, are limited to a total of six (6) withdrawals or transfers per month.

♦ ROUTING NUMBER (2) Enter your financial institution’s ABA

routing number in the field provided. For CFCU accounts, enter routing number 321075947. For checking accounts, this number is located at the bottom of your

checks. For savings accounts, you may need to ask your financial institution.

Reenter the same routing number for verification. ♦ ACCOUNT NUMBER (3) Enter your account number in the field provided.

If you are using a CFCU checking account, your account number is the 14-digit number shown at the bottom of your checks.

Reenter the same account number for verification. If you change your mind about adding a payment account, but want to continue with the payment process, click BACK (4) to return to the previous screen and continue the payment process with an existing payment account.

Click CONTINUE (5). The REVIEW ACCOUNT INFORMATION screen opens.



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Review Account Information Screen

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Confirm Account Information Screen

Verify the information you entered on the previous screen (1): ♦ If you find errors, click BACK (2) to

return to the previous screen and correct your information.

♦ If you do not want to continue with setting up a new Payment Account, click CANCEL (3).

Click SUBMIT (4) to complete the Payment Account set up. The CONFIRM ACCOUNT INFORMATION screen opens.

The CONFIRM ACCOUNT INFORMATION screen is the final confirmation of your account changes. From this screen, you may:

• Print this page for your records (5).

• Click MANAGE PAYMENTS (6) to return to the MANAGE PAYMENTS screen to:

Make a payment. Set up automatic payments.

• Click ADD/EDIT MORE ACCOUNTS (7) to return to the VIEW PAYMENT ACCOUNTS screen to:

Add additional payment accounts. Edit existing payment accounts.

Click MANAGE PAYMENTS to continue with the payment process.



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Manage Payments Screen

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Request a Payment Screen-Step 1

Making a Payment

Once you have set up at least one payment account, you can:

• Use SET UP AUTOPAY (1) to set up a recurring monthly payment. This is a repeating monthly payment.

• Use MAKE A PAYMENT (2) to set up a one-time payment. This payment will not repeat.

Click MAKE A PAYMENT (2) to open the REQUEST A PAYMENT screen.

Request a Payment Screen • If you need to add a new Payment Account,

click ADD/EDIT MORE PAYMENT ACCOUNTS (3).

• If you want to make a payment, complete the remaining fields on the screen.

PAYMENT AMOUNT (4). Select one of the following payment amounts: ♦ NEXT MINIMUM PAYMENT ♦ LAST STATEMENT BALANCE ♦ CURRENT BALANCE ♦ OTHER AMOUNT

If you wish to pay an amount other than one of the amounts shown, click OTHER AMOUNT and enter the amount in the field.

NOTE: Although this example shows the NEXT MINIMUM PAYMENT and LAST STATEMENT BALANCE as $0.00, your screen will match your most current credit card statement.



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Request a Payment Screen-Step 1

Review Your Payment-Step 2

PAYMENT DUE DATE (1) This will match the Due Date shown on your statement.

SELECT PAYMENT POSTING DATE (2) Select a date for your payment to post against your account; it does not need to match your PAYMENT DUE DATE. ♦ Click in the field. ♦ Enter the date in the format shown:

MM/DD/YYYY OR ♦ Click the calendar next to the date

field and ♦ Click a date.

• Click CONTINUE (3) to move to the next screen. OR click CANCEL to cancel the payment.

Review Your Payment Verify the information you entered on the previous screen before finalizing your payment.

NOTE: This screen shows the actual (exact) date your payment will be made. If the date you selected on the previous screen falls on a weekend or holiday or you are making your payment after 7 p.m. CT, your payment will be processed the next business day.

• Click BACK to return to the previous screen and change payment information.

• Click CANCEL to cancel the payment.

• Click SUBMIT to move to the next screen and complete the payment process.



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Payment Confirmation Screen-Step 3

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Payment Confirmation The PAYMENT CONFIRMATION screen is the final screen. From this screen:

• Print a Payment Confirmation for your records (1).

• View your payment schedule (2).

• Review the payment information for the payment you just made (3).

• LOG OUT (4) of Credit Card Services.

Using Bill Payer to Make a Payment When setting up your credit card in Bill Payer, use the following payee information:

Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408

From our website (www.chevronfcu.org):

• Log in to ONLINE BANKING: Enter your MEMBER NUMBER and press ENTER on your keyboard. Answer your Security Plus question. Verify your Security Plus phrase and image. Enter your password and press ENTER on your keyboard.

• Using the tabs at the top of your screen, click BILL PAYER (5). The MAKE PAYMENTS screen opens.

• Click in the PAY SOMEONE NEW field and type CARDMEMBER SERVICE (6).

• Press ENTER on your keyboard or click ADD (7). The ADD A PERSON OR BUSINESS TO PAY screen opens.




Add a Person or Business to Pay

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Bill Payer Payee Information

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• Complete the screen as shown.

• Click CONTINUE (1).

• Review the information you entered.

If the information is correct, click GO TO MAKE PAYMENTS (2).

If the information is incorrect, click CHANGE (3).

Correct the incorrect information and click SAVE CHANGES (4).



Once the information has been entered and confirmed, you may make payments through Bill Payer along with your other payments.

CFCU Credit Cards: Other Payment Options In Person You may make your credit card payments at your local CFCU branch.

By Telephone

Calling Cardmember Service

When calling Cardmember Service, you have two options for making telephone credit card payments:

You may use Telephone Access to automatically make a payment. You may have a representative assist you. Payments made through a Cardmember Service Representative are assessed a $10.00 fee.

Within the U.S. 1-800-558-3424 Outside the U.S. 1-701-461-1878

(If a representative helps you to set up Telephone Access, but you call back to make the payment without assistance, you will not incur the $10.00 fee.)

Calling CFCU Call Center

You may also choose to call our Call Center for assistance at 1-800-232-8101. Our Call Center is open 24 hours, seven days a week, 365 days a year. There is no charge for this service.

Bill Payer Make Payments Screen

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