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Routing Number: 272485385

Make a Loan Payment

4Front auto and personal loans, mortgages and lines of credit deliver low rates, flexible terms and an easy application and approval process. We offer multiple loan payment avenues to ensure making your payments is just as fast and easy as your borrowing process!

Online Banking External Transfers

Enroll online and make payments from an external account.

4Front's online banking experience is designed for you to spend less time staring at a screen and more time enjoying everything northern Michigan has to offer. New members can enroll in minutes and schedule a loan payment (one-time or recurring) from another financial institution by using the platform's external transfer feature. Learn more with our handy external account video tutorial.

Or better yet, why not take full advantage of your 4Front membership and enjoy our market-leading 4.00% (4.08% APY*) cashback checking account, Straight4ward Rewards Checking? Perform four basic banking tasks each month and earn the best rate around!

Express Pay

One-time payment, no registration required.

Did your payment due date sneak up on you? We get it. Life happens. Make a single payment securely and conveniently with Express Pay. To use Express Pay, you'll need the last four digits of your 4Front account number and the last four digits of your Social Security number.

  • Use your checking, savings, debit or credit card from another financial institution
  • Make payments on your 4Front auto or personal loan, 4Front mortgage (Member First Mortgage products excluded) or line of credit
  • No registration required
  • Payment information is not stored, no transaction history available
  • $10 per payment fee
  • Available 24 hours a day, 7 days a week
  • Choose "Express Pay" after clicking "Make Payment" button

AutoPay

Schedule your payments, simplify your life

Stay in front of your financial obligations by establishing a scheduled payment each month with AutoPay. To use AutoPay, you'll need the last four digits of your 4Front account number and the last four digits of your Social Security number.

  • Use your checking or savings account from another financial institution
  • Make payments on your 4Front auto or personal loan, 4Front mortgage (Member First Mortgage products excluded) or line of credit
  • Requires registration with an email address and password
  • Enables the scheduling of recurring payments to avoid missing due dates
  • Allows viewing of your transaction history
  • No fees
  • Available 24 hours a day, 7 days a week

Telephone Payment

Making a payment is only a telephone call away

Make your payment with the assistance of a 4Front team member.

  • Use your checking, savings, debit or credit card from another financial institution
  • Make payments on your 4Front auto or personal loan, 4Front mortgage (Member First Mortgage products excluded) or line of credit
  • Available Monday through Friday 8:30am - 5:30pm and Saturday 9:00am - 1:00pm
  • $20 per payment fee
  • Call toll-free 800-765-0110

Mailed Payment

Old school, courtesy of the U.S. Postal Service

If you still prefer writing checks, licking envelopes and sticking stamps, we've got you covered there, too. Make your check payable and mail to:

4Front Credit Union
P.O. Box 187
Traverse City, MI 49685

Be sure to include a completed loan coupon to ensure we know which loan to credit payment towards. This sheet of printable loan coupons will help.

Branch Payments

Visit any of our branch locations across northern Michigan to make your payment.

  • Use your checking, savings, debit or credit card from another financial institution
  • 14 locations to serve you, hours of availability dependent upon location
  • No fees

Payments may also be submitted via VideoTeller, our in-car banking service available at select locations and available Monday thru Friday 7:00am - 7:00pm and Saturday 9:00am - 2:00pm. VideoTeller locations can be found in our locations listing and are denoted by the VideoTeller logo.


Frequently Asked Questions

What types of loans are accessible via the online payment portal?

You can utilize the online payment portal to make payments on 4Front auto and personal loans, mortgages (Member First Mortgage products excluded), and lines of credit.

What do I need to submit a payment via the online payment portal?

To submit payment via the Express Pay or AutoPay processes, you’ll need the last four digits of your 4Front account number and the last for digits of your Social Security number.

When will my payment post if I utilize the online payment portal or telephone payment?

Payments will be posted the day of the transaction or the following business day.

How will I know my online payment portal transaction was successful?

A confirmation email will be sent to the email address you provided.

Why are fees associated with the Express Pay and telephone options?

We assess fees only when necessary and do so to ensure our membership is not penalized when individual members require services that either require additional costs or demand additional staff attention. Both the Express Pay and telephone payment options generate additional processing costs assessed to the credit union.

How can I avoid fees while making a payment?

We offer several fee-free options for making loan or credit card payments.

  1. Enroll in online banking. 4Front members may utilize online banking to establish fee-free payments from your 4Front account (via Bill Pay or account transfer) or originate payments from an outside financial institution via external account transfer. If you have not already, enroll in online banking.
  2. Create a recurring payment with AutoPay. Create a username and password and schedule recurring payments.

You may also mail your payment, visit one of our 14 locations or utilize our in-car banking service VideoTeller. VideoTeller is currently available at our East Jordan, Kalkaska, Mancelona, Petoskey (Mitchell Road) and Traverse City (Hastings Street) locations. Branch hours vary by location. VideoTeller is available Monday thru Friday 7am – 7pm and Saturday 9am – 2pm.

Can I pay off my loan through the online payment portal?

You may pay off your loan by contacting us at 800-765-0110 or by visiting any one of our 14 locations.

Why can’t I see my loan on the online payment portal?

Loans are searchable by the borrower and co-borrower’s names. You will not be able to view a loan if you are not listed as a borrower or co-borrower. A loan must also be considered in good standing to be accessed via our online payment portal.

What if I need to dispute a payment originating from an external institution?

Please contact the financial institution where the originating external account resides.

Where can I review the terms and conditions associated with Express Pay, AutoPay and telephone payments?

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