From in-store purchases to online loan payments, choose the way you want to pay — with secure, flexible options backed by local support you can trust
Options for making purchases and paying others
| Payment type | Speed | Cost | Security | Availability | Benefits |
|---|---|---|---|---|---|
| Card | Good | None | Swipe – fair | Swipe + dip – widely available | Convenience |
| Dip – good | Tap – frequently available (contactless) | Speed | |||
| Tap – better | Security | ||||
| Digital wallet (phone tap) | Enhanced | None | Best | Frequently available | Convenience |
| (Apple Pay / Google Pay) | Speed | ||||
| Security | |||||
| Pay-a-person | Immediate or next business day | Free (next-day) | Security question used to validate receiver | Available via Allegacy online banking or mobile app | Convenience |
| $1 (immediate) | Speed | ||||
| Security | |||||
| Wire transfer | Expedited | $20–45 | Better | Domestic – online $20; in-branch $25 | Speed |
| International – online $35; in-branch $45 | Security |
Options for making loan and credit card payments
| Payment method | How to access | Speed | Cost | Availability | Benefits |
|---|---|---|---|---|---|
| Transfer from an Allegacy account | Login to digital banking | Immediate | Free | 24/7 via Allegacy online banking or mobile app | Speed |
| Convenience | |||||
| Option to set recurring payments | |||||
| Pay with a checking account online | Login to digital banking | 1–3 days | Free | 24/7 via Allegacy online banking or mobile app | Convenience |
| Option to set recurring payments | |||||
| Pay with a debit card online | Login to digital banking | 1 business day | $5 | 24/7 via Allegacy online banking or mobile app | Convenience |
| No account connection required | |||||
| Pay over the phone | Contact us | Immediate – 3 business days | $12 | Monday–Friday 7:30am–6pm EST | Pay with debit card or external account |
| Saturday 9am–12pm EST | Questions answered in real time | ||||
| Pay in-person at a branch | Find a location | Immediate – 1 business day | Varies by method | See branch hours | Pay with cash, check, or debit card |
| Questions answered in person | |||||
| Pay by mail | Learn more | 7–10 days | Free | Any time | Convenience |
| No account connection required |
Safe, efficient ways to bank — on your schedule
Whether you’re grabbing cash, depositing a check, or making a loan payment, Allegacy gives you secure options that fit real life — in the app, online, and at our machines and branches.
Use an ATM or interactive teller machine (ITM)
Withdraw cash, check balances, and handle everyday transactions at any of our ATM locations. Prefer more support? Our drive-through ITMs let you do everything you’d do at an ATM — with the option to connect with a member service representative by video during staffed hours.
Deposit checks with the mobile app
Skip the trip and deposit checks from your phone using the Allegacy mobile app. It’s fast, convenient, and protected by your secure login.
Make a payment on an Allegacy loan or line of credit
Pay the way that’s easiest for you — from an Allegacy account, from an external account, or by debit card. You can also schedule recurring payments, and in many cases, make principal-only payments.
Pay your Allegacy credit card online
Make a credit card payment through online banking or the mobile app — using either an Allegacy account or an external payment method through the credit card portal.
Manage your mortgage online
With our secure mortgage servicing portal, you can make one-time or recurring payments, review your loan information, and track your payment history with confidence.
Manage your debit card with more control and confidence
Your debit card should work the way you need it to — secure, flexible, and easy to manage. That’s why we’ve added new features that give you greater control over how and when your card is used.
Turn your card on or off
Misplaced your card? Found it again? Easily turn your debit card off and back on in seconds. It’s a simple way to add protection and respond quickly if something doesn’t look right.
Set card alerts
Stay informed in real time. Customize alerts for transactions that matter to you, so you always know when and how your card is being used.
Travel alerts
Headed out of town? Set a travel alert before you go to help prevent interruptions when using your debit card away from home.
Set transaction controls
Decide what transactions your card can approve or decline. Set spending limits and transaction controls that match your needs — whether you’re managing your own spending or adding oversight for family members.