When are my payments due?
Your payment due date was established when you originated your loan. It is stated in your contract. Some borrowers have due dates other than the first of the month, so it is a good idea to look at your note to see which day your payment is due.

Is it possible to change my current due date?
A change in the due date can only be done once in the life of the loan. The first step is to complete and submit a written form to:
Attn: Customer Service
First National Bank of America
PO Box 980
East Lansing, MI 48826
The loan must be current before any changes can be made. There is a one-time charge collected before changing your due date for the interest between your old due date and your new due date. CLICK HERE to Email a request to change your due date.
Please be sure to include your account number.

How do I change my address?
Any address changes must be made in writing. An address change cannot be made over the telephone for security purposes. To change your address either submit a written request with the new address with your next payment or mark on the left corner of the invoice return envelope marked: “Please note address change”. CLICK HERE to print a copy of a “change of address request form” or CLICK HERE to email your request.
Please be sure to include:
1. Your Account Number
2. Your old address
3. Your new address

What are the ways I can make a payment?
Pay online
Access or
Select “Make Your Loan Payment On The Internet
There is a $2.00 service fee

Your payment can be sent by regular mail to:
Attn: Payment Processing
First National Bank of America
PO Box 980
East Lansing, MI 48826
Please include your First National account number.

Overnight/express mail can be sent to:
Attn: Payment Processing
First National Bank of America
241 East Saginaw
East Lansing, MI 48823
Please include your First National account number.

Western Union Quick Collect:

Find a near by Western Union Quick Collect Agent Location at or by calling 1-800-325-6000.  Complete the blue Quick Collect Form at the location.

  • Pay to: FNAC
  • Code city:  Palace
  • State:  MI
  • Include your Account Number

There is a service fee of $12.95.


MoneyGram Express Payment:

Call 1-800-Moneygram to find the MoneyGram agent location closest to you

Pay by phone:
Our (888) PAY-FNBA or (888) 729-3622 phone pay hotline is available 24 hours, 7 days a week. The Access Code needed – 50653788. Please have a copy of your Routing number and Checking or Savings* account ready upon request. The fee will be $5.
* Debit cards are not accepted at this time.

At our bank branch:
Local customers can make payments at our branch located at:
241 East Saginaw Street
East Lansing, MI

Automatic Payment:
Automatic payment can be set up using our AutoPay service. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800)266-7661 ext. 8904, or CLICK HERE  to print the form and mail it to First National.

Can I make a payment over the phone?
First National does accept payment via check over the phone. The fee for this service is $5.00 and the fee will be added to the total taken from your checking or savings account. If you are not the signer on the checking account, we will not accept the phone pay without written consent from the signatory.
To pay by phone you must provide the account number and routing number for your bank account when calling. When you have the required account information just call (800)266-7661, Ext. 8904 to make a payment.

Do you take credit cards for payments?
Yes, we have an agreement with Western Union to accept customer payments from their credit cards. Quick Collect by Credit Card allows consumers to settle their accounts using their Visa, MasterCard or Discover Card.

I don’t have an invoice. How do I make my payment?
You may send your payment to:
Attn: Payment Processing
First National Bank of America
P.O. Box 980
East Lansing, MI 48826
(Please include your account number on the bottom of your check.)

I never received my invoice, so why must I pay the monthly payment?
First National provides a monthly invoice for your convenience. However, it is your responsibility to make every payment on time whether or not you receive an invoice. If you need to make other payment arrangements, you may call our credit service department at: (800)642-4578 between the hours of:
8AM and 9PM Eastern Time on Monday
9AM-9PM Tues, Wed. & Thurs.
8AM-6PM on Friday
and 9AM-1PM on Saturday.

I want to wire my payment. How should I do this?
Just call: (800)266-7661, ext 8904 and we will give you the proper instructions.

How do I sign up for AUTOMATIC PAYMENT if I want my monthly payment deducted automatically from my checking or savings account?
If you elect to have your payments automatically deducted from a bank account, you must complete an “AutoPay” form.
You may call customer service at: (800)266-7661 ext. 8904 to receive the form or CLICK HERE to print the form and mail it to First National.

What is your overnight mailing address?
(Dept. or Contact Name)
First National Bank of America
241 East Saginaw Street
East Lansing, MI 48823

Will you accept less than the total amount due?
Generally it is not our policy to accept partial payments without prior arrangements. Rather than making a partial payment, please call (800)642-4578 to speak to a customer counselor. We may have a program available to you that will permit a period of delay or forbearance.

Do I have a “grace period”?
Although payments are considered past due if not received by the due date, most notes provide a period of time after the due date for payments to be received before a late charge is assessed. Grace periods and late fees can only be charged according to the terms of your note. To avoid the risk of damage to your credit or the assessment of a late charge, it is recommended that every effort be made to ensure your payment is received by the due date.  making payment consistently during the grace period is still costing you even though a late charge is not assessed.  Payments on or before the due date will assure that the loan will properly amortize as we collect all unpaid accrued interest before the loan principal is reduced.  Paying during the grace period means more interest will be paid and the principal reduction will be less.

How much time should I allow for my payment to reach First National Bank of America?
It is a good idea to allow seven to ten days for receipt of payment, particularly during holidays when mail volumes are heavy. If you don’t feel your payment will reach our office in time, please call (800)642-4578 to ask about other more immediate payment options.
To avoid a late payment, First National offers an Automatic Payment option that will make your payment through a withdrawal from the bank account of your choice. Contact our customer service department for more information.

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