Payment Solutions

Avoid Late Fees

Pay From External Accounts

Three payment options to make life a little easier

Sending and receiving money is at your fingertips! Services like DASH! and P2P Payments allow you to send and receive money whenever, wherever, and to whoever you need to, while PayPrompt text reminders ensure you won't miss a thing. 


P2P Payments

Send Money to a Friend or Contribute to a Cause

Person-to-Person payments, or P2P, are an easy way to send and receive money using emails and text. You can forward cash to your kids in college, pay the guy who mows your lawn, give a gift to a far-off family member or donate to a church fundraising drive. Turn it around, and you can also use it to request and collect money from others. It's fast and safe and definitely cooler than writing checks.

The Person-to-Person (P2P) online payment service within our Online Banking platform allows you to transfer money to family and friends. It has expanded to handle contributions to charities and payments to small businesses. P2P payments are easy and relatively inexpensive to use, and available to our Southeast Texas credit union members.

  • To send money, designate the recipient and enter their email or mobile number; they will get a notification to deposit the money, and the transfer is complete
  • The recipient doesn't have to have an account with EFFCU to receive or deposit the money
  • To request money, send a notification to a person or group; once the request is approved, the money will be deposited into your account 

PayPrompt Text Reminders

Put an End to Late Fees - Forever!

You know that feeling you get when you realize you forgot to make a payment?  Well now you can kiss that feeling goodbye!  PayPromptTM is a convenient text messaging solution that reminds you of upcoming payment due dates.  

The days of worrying that you will forget about an upcoming payment due date are over!  Thanks to our brand new payment reminder text program, PayPrompt, you can receive text messages that will remind you of your upcoming loan payments with Education First FCU.  Best of all, it's free! 

Beginning January 12, we will be sending out text messages to all Education First FCU members who have an active loan with us and have provided a mobile telephone number.  The first text you receive will be a message from 32576 asking if you would like to opt in for PayPrompt
 text alerts.  The alert will look like this:

Once you opt in, PayPrompt will remind you 10 and 3 days before your payment due date.  If your loan payment is not made on the due date, PayPrompt will text you again 3 days after your missed due date. 

All you have to do to opt-in for PayPrompt
 services is reply YES.  Don't worry if you miss the text, you can always opt-in at any time by texting EducationFirstFCU to 32576.   


*Standard text messaging rates do apply.  You can unsubscribe from PayPrompt at any time by replying STOP to 32576.


Make Your Loan Payment from an External Account

Dash! online payment solution is the quickest and easiest way to pay an Education First FCU loan with an external account from another financial institution.  

What is Dash!?

Dash! is an online payment platform that makes paying your Education First FCU loan from an external account quick and easy.  

Dash! is different from online banking in that it is only used to make payments on your Education First FCU loans using your account at another financial institution (via a routing number or debit card) or using a credit card.  

How Does Dash! Work?

It's easy.  Simply create a Dash! account by clicking on the link below. You'll be directed to a page where you will set up your user name and password - then all that's left is for you to enter the details of your Education First FCU loan and the external account that you want to use to make your loan payment.  A few things you'll need to get started:
  • Your Education First member number
  • Your Education First loan number
  • Last four digits of your Social Security number

Click here to set up your Dash! account today!

DASH! Frequently Asked Questions

Registration is only accepted with the primary Credit Union member’s information (co-borrower information is not accepted at this time, however a co-borrower can pay using the primary account holder’s information).
You can pay on any Personal, Auto, Line of Credit, Home Equity, Line of Credit, Share Secured loan, Real Estate and Credit Cards can be paid using our online payment system.
You can make a payment up to $1,000.00. If you need to make a larger payment, please contact our Member Support Center to process.
You can make a payment up to 14 days in advance.
You can pay less than the current loan payment amount. If you want to pay more than the current loan payment amount, please call the Member Support Center.  
Yes, you can set up a recurring payment from another financial institution. If the payment will be coming from an account you have with EFFCU, you can set that up in Online Banking.
We do not encourage you to use the online loan payment system to pay off your loan. Please contact the Member Support Center to get your exact payoff amount to avoid any shortage in payment.
You do not have the ability to cancel your own transactions through the payment system. Please call the Credit Union and speak with the Member Support Center for assistance.
A confirmation email will be sent to you for online loan payments.
Payments made using a credit card will post 7 days a week.  If payment is coming from another financial institution account, it will post Monday through Friday only.
Payments made to your loan before 4:00 PM CST on a business day will be processed and post the same day.   
Payments made to your loan after 4:00 PM CST on a business day will be processed the following business day and then posted to your account on the following business day.
Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see EFFCU’s Fee Schedule for more information.
Loans cannot be paid in advance. A payment is required to be made on your loan(s) each month, as stated in your loan closing documents.
Contact your external financial institution from where the payment debited from.
*Payments that are made by phone with the Support Center/Collections are subject to a processing fee.
It is free when you use the online loan payment system. Please refer to the Fee Schedule for fees when the payment is done over the phone with a representative.
Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set it back up.

Please select “Forgot your password?” under the login page. We do not process password resets on your behalf with this system.
If you can log in, and are not able to make a payment, it most likely means you do not have any eligible loans to make payments on. Please contact the Member Support Center to make a payment or to find out more details.
You may not have provided the correct answer or the correct format of the answer. For example: if MM/DD/YYYY is required and you enter M-D-YYYY this will error because of the number of characters in the month and day. In addition, your account number should only be your issued 4, 5, or 6-digit account number. Do not add any other savings, checking, or loan suffix behind your account number.
Your member # is your Credit Union account number that you were issued when you opened your account.
Yes, you may use Mastercard, Visa Debit, and Mastercard Debit only.