Baycel - Instructions Pay Online

⚠ Important: Please add your account number and loan number to the note section so that our staff can properly assign your payment.

How to Pay Your Baycel FCU Loan via Clover

Paying your Baycel FCU loan is easy and flexible. Choose the method that works best for you below.

Before You Begin

To make a payment, please have the following ready:

Your Baycel FCU Loan Details: Your full Loan Account Number (member number plus your specific loan suffix, found on your monthly statement or in Online Banking).
Your Debit Card: If paying online or for one-time payments.
Your Bank Info: If you are calling to set up a formal ACH recurring payment (Routing and Account numbers).

Ready to pay? Click below:

Option 1: One-Time Online Payment (Clover Portal)

Our secure Clover portal is for immediate, one-time payments using a Debit Card.

Method: Debit Card Only (Credit cards and bank transfers are not accepted in the portal).
How: Click Pay Online (the button above this section) and enter your loan and card details.

Option 2: Recurring Payments

If you want to set up “Auto-Pay,” our staff can help you schedule payments at a frequency that matches your budget.

Available Frequencies:

Daily, Weekly, or Bi-Weekly (Every 2 weeks)
Monthly, Semi-Monthly (Twice a month), or Bi-Monthly (Every 2 months)
Quarterly, Every 4 Months, Semi-Annually, or Annually

How to set this up:

Debit Card Recurring: Call us at (979) 244-3995 to schedule automatic charges to your debit card.
Bank Transfer (ACH) Recurring: We can originate a recurring pull from your external bank account. This is a separate service that requires you to call us and complete a signed ACH Authorization Form.

Frequently Asked Questions (FAQ)

Can I pay with a bank account (ACH) in the Clover portal?

No. The online portal only accepts debit cards. To pay via your bank account, you must contact us to set up a formal ACH recurring payment service.

Can I pay with a credit card?

No. To help our members avoid extra debt, we only accept debit cards for loan payments.

How long does it take for my payment to post?

Although our staff usually posts these same-day, some online debit card payments can take 1–3 business days to post depending on when the payment is made. Please plan accordingly to avoid late fees.

Is there a fee for using my debit card?

Online: If you make a payment yourself through our online portal, we do not charge a fee.
By Phone: If you call us to make a one-time payment over the phone, a $5.00 processing fee will apply. This fee does not apply to recurring payments.

Need to set up bank transfer (ACH) payments? Contact us to request a signed ACH Authorization Form — our team will walk you through the process.