Flex Your Budget, Pay Your Way
Buy Now, Pay Later offers two types of services available to eligible members with checking accounts. Whether you want to spread out payments for a future purchase or one you already made, BNPL can help manage your cash flow and stay within your budget.
Plan Your Purchase
When you want funds upfront to make a purchase and would like to pay in installments over time.
Split Your Payments
When you have already made an eligible debit card purchase and would like to pay in installments over time.
Review Your BNPL OffersAccess Your Offers
Log in to digital banking and locate Buy Now, Pay Later in the menu. View and accept your available BNPL offers in seconds. There's no credit check and no application. All offers are tailored for you and only available in digital banking. Accept the repayment terms that work for you, and funds will be deposited to your account in moments.
Questions? Check out the Buy Now, Pay Later FAQ. If the link above results in Access Denied message after logging in, then you are not eligible for BNPL offers.
Buy Now, Pay Later FAQ
Where can I find my BNPL offers?
Log in to digital banking and go to Buy Now Pay Later in the menu. It is in the top navigation on desktop, or under the bottom right menu on your phone.
How do I apply for a BNPL loan?
There is no application for a BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within your digital banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.
How soon will I see my purchase amount deposited back into my account?
After you have accepted a BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
Does BNPL require a credit check?
No, our BNPL offering does not require a credit check.
Can I pay off my BNPL plans early?
Yes. You can pay off your BNPL plans early within digital banking or at a branch.
Why can't I see any BNPL offers?
If you do not see any BNPL offers, this may be because your current account status is not eligible for BNPL. If you already have active BNPL plans, you may not be eligible for additional offers until the active plans are paid back.
If you are eligible for Plan Your Purchase but do not see Split Your Payment offers, this may be because your recent debit card purchases are not eligible for BNPL.
What makes a purchase eligible for Split Your Payments offers?
A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 days that is at least $100 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect BNPL eligibility.
Does my use of Plan Your Purchase impact the Split Your Payments loans available to me?
Yes. Your eligibility for BNPL offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers they are eligible for, and vice versa.