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We’ve streamlined access to your 4Front smart credit Mastercard account!

Access to your 4Front smart credit Mastercard® account is now available directly from your online banking experience! Review your card's transaction history and balances, download statements and pay your bill inside online banking without having to utilize a separate website and maintain another set of login credentials.

Here's how:4Front CU Card Services

  1. Log into Online Banking using your existing online banking username and password.
  2. Select Credit Card Services, located under the Transactions menu.

4Front CU Online Banking changes

 

 

  1. Choose a credit card to manage.
  2. To ensure uninterrupted access to this new feature, confirm your contact information is accurate by visiting Update Contact Info in the Services menu.
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4Front Credit Union

Alert!

Boyne City and East Jordan ATMs to be offline for updates

Scheduled maintenance of our Boyne City and East Jordan ATMs will require them to be taken offline for the dates and times listed below:

Boyne City
Monday, 7/22 at 5:00pm ET - Tuesday, 7/23 at 6:00am ET

East Jordan
Wednesday, 7/24 at 7:00pm ET - Thursday, 7/25 at 6:00am ET

To find a surcharge-free CO-OP Network ATM near you, click HERE.

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We’ve streamlined access to your 4Front smart credit Mastercard account!

Access to your 4Front smart credit Mastercard® account is now available directly from your online banking experience! Review your card's transaction history and balances, download statements and pay your bill inside online banking without having to utilize a separate website and maintain another set of login credentials.

Here's how:4Front CU Card Services

  1. Log into Online Banking using your existing online banking username and password.
  2. Select Credit Card Services, located under the Transactions menu.

4Front CU Online Banking changes

 

 

  1. Choose a credit card to manage.
  2. To ensure uninterrupted access to this new feature, confirm your contact information is accurate by visiting Update Contact Info in the Services menu.
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DateTime Object ( [date] => 2019-02-18 00:00:00 [timezone_type] => 3 [timezone] => America/Detroit )
DateTime Object ( [date] => 2019-05-27 00:00:00 [timezone_type] => 3 [timezone] => America/Detroit )
DateTime Object ( [date] => 2019-09-02 00:00:00 [timezone_type] => 3 [timezone] => America/Detroit )
DateTime Object ( [date] => 2019-10-14 00:00:00 [timezone_type] => 3 [timezone] => America/Detroit )
DateTime Object ( [date] => 2019-11-28 00:00:00 [timezone_type] => 3 [timezone] => America/Detroit )
VIRTUAL BANKING 
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Bill Pay

4Front's online Bill Pay gives you the ability to stay on top of your monthly finances with the utmost ease and turn-key efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional bill payment methods. Bill Pay is a quick and easy alternative to paying your bills online.

Control and Convenience  |  A simpler way to pay your bills

No stamps, checks, or envelopes. Just a couple of clicks, and your bill payments are mailed when and where you need them to be. Pay anyone in the United States that you would normally pay by check or automatic debit, even if you don't receive bills from them. With 4Front's Bill Pay you control who gets paid and when - best of all it's FREE!

Start Simplifying  |  Enroll in Online Bill Pay today

To enroll, simply click on the "Bill Payment" tab under "Transactions" after you log into virtual banking.

Need assistance? Help for current Bill Pay users is only a telephone call away. Connect with iPay, our Bill Pay provider, by dialing 866.812.5979.

Bill Pay Frequently Asked Questions

How many payees can I establish?Close

There is not a limit on the number of payees that can be established.

Does the money for the payment always come out of my account on the day I select the payment to be made?Close

The funds will be deducted from your account on the date the payment is processed, which is the date you've selected when scheduling the payment.

How can I know when a bill will be paid?Close

The estimated arrival date is displayed when scheduling the payment and it displays in the pending payment section.

What are my options if a payee does not receive an electronic payment that was sent to them using Bill Pay?Close

You can reach out directly to the merchant or you can contact the Bill Pay service provider to report the issue.

I had an online check issued to a merchant and the merchant did not credit my account. How can I show them proof of payment?Close

The Bill Pay service provider can provide proof of payment.

How do I discontinue Bill Pay?Close

You can I discontinue Bill Pay by calling a member service representative at 800.765.0110.

Where can I view my bill history?Close

 

To view bill payments to a payee
 
1.       In the grid view in the Bill Pay page, find the bill whose payment history you want to view.
2.       Click on See Payment History. The card flips to show the payment history.
 
To hide bill payments to a payee
  1. In the bill payment history, click on Hide payment history.
Can I access Bill Pay from 4FrontGo, 4Front's mobile app?Close

Yes. You can access Bill Pay from the 4FrontGo mobile app.

I have more than one account. How can I designate which account I want to use for Bill Pay?Close

To manage Bill Pay accounts:

1. In the Navigation menu, click on Transactions > Bill Payment. The Bill Pay page appears.
2. Click on Advanced > Manage Payment Accounts. The Manage Bill Pay Accounts page appears.
3. On the Manage Bill Pay Accounts page, select the check box for each account that you want to appear when you pay a bill. Clear the check box to remove an account from Bill Pay. You cannot remove the account that you selected when you enrolled in Bill Pay.
4. Click on Save.
5. Click on Close in the success message.
How do I add a payee?Close

To add a bill payment payee:

1.       In the Navigation menu, click on Transactions > Bill Pay.
2.       Click on Advanced > Add a Payee.
3.       On the Add Payee page, do the following:
a.       Enter the name of the payee in the Name field.
b.      Select the type of payee from the Payee Type drop-down list.
c.       (Optional) Enter a nickname for the payee in the Payee Nickname field.
d.      Enter the Address for the payee. The address can include up to three address lines, along with the required City, State, and Zip.
e.      Enter the Area Code and Phone for the Payee.
f.        Enter the account number in the Payee Account Number field.
g.       Click on Save.
4.       When the success message appears, click on Close. The Bill Pay page appears with the new payee listed.
Is there a monthly charge for using Bill Pay?Close

Bill Pay service for personal accounts is free.

Business accounts receive 10 free transactions per month. There is a .75¢ charge for each transaction over 10.
How can I access additional assistance for my Bill Pay account?Close

Bill Pay users may access enhanced Bill Pay assistance, including additional frequently asked questions and handy tutorial videos. From the Bill Pay section inside your online banking account, click the Advanced Options tab next to the "Search Payees" box and select All Bill Pay Features. Please note that you must be enrolled in Bill Pay to access the expanded Bill Pay site within online banking.

Users may also contact iPay, our Bill Pay provider, directly by dialing 866.812.5979.

Is there an inactivity charge for Bill Pay?Close

Bill Pay is a service offered as a benefit to both personal and business members of 4Front Credit Union. Personal or Business Bill Pay accounts are considered inactive after two successive months of non-use. These Bill Pay accounts will subsequently incur a $5.00 per month fee after the second successive month of non-use. The inactivity fee can be avoided by consistently utilizing Bill Pay or by deactivating the service. To deactivate Bill Pay service, contact us at 800.765.0110.

How do I enroll in Bill Pay?Close

Enrolling in Bill Pay is easy! Simply follow the five steps listed below...

1.       Log into your virtual banking account.
2.       Click on ‘Enroll in Bill Pay’ within the home screen of virtual banking.
3.       Select the 4Front account you wish to enroll, and then click ‘Enroll in Bill Pay’.
4.       On the Agreement page, click on ‘I agree to enroll in Bill Pay’.
5.       On the success message, click on ‘Continue to Bill Pay’. The Bill Payment homepage will appear.

 

How can I access Business Bill Pay?Close

Like Personal Bill Pay, Business Bill Pay can now be accessed from inside your virtual banking account.

How can I edit a payee?Close

To edit a bill payment payee

1.       In the Bill Pay page, locate the payee that you want to edit, and then click the edit icon for the payee. The Add Payee page appears.
2.       On the Add Payee page, make any needed changes, and click Save.

When the success message appears, click Close.

Is there a maximum dollar amount I can send when using Bill Pay?Close

There is a daily limit of $10,000 for both Personal Bill Pay and Business Bill Pay.

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