Payments

When are my payments due?
Your payment due date was established when you originated your loan and is stated in your contract. Due dates vary, so it’s 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 to the due date can only be done once during the life of the loan. The loan must be in current standing before changes can be made and a one-time charge for the interest accrual from your current due date to the new due date will be collected.

To request a change, First National Bank of America must receive a written request including the desired payment date and your account number. Please CLICK HERE
Attn: Customer Service
First National Bank of America
PO Box 980
East Lansing, MI 48826

How do I change my address?
To change your address either submit a written request including 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  or CLICK HERE to email your request to submit without your payment.
Please be sure to include:

  • Your account number
  • Your old address
  • Your new address

For security purposes, address change requests cannot be made over the phone.

What payment options are available?
Pay online

Access FNBA.com
Select “Loan Login
There is a $2.00 fee for E-Checks and a $15.00 fee for Debit Cards

Automatic Payment:
Automatic payments can be set up using our Auto Pay service. There is no charge to set up an automatic payment. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800) 266-7661 ext. 8904, or CLICK HERE 

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 number ready upon request. You must be the owner of the bank account you wish to use or obtain written consent from the account owner. There is a $5 fee for this service.
*Debit cards are not accepted at this time.

In person at one of our 3 branch locations:

241 East Saginaw Street                                      4660 Kalamazoo Ave., SE                                 315 N. Division St.
East Lansing, MI                                                    Grand Rapids, MI                                              Traverse City, MI

Pay by mail – send to:

First National Bank of America

Attn: Payment Processing

PO Box 980
East Lansing, MI 48826
*Please include your FNBA account number.

Overnight/express mail – send to:
First National Bank of America

Attn: Payment Processing
241 East Saginaw
East Lansing, MI 48823
*Please include your FNBA account number.

Western Union Quick Collect:

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

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

*Western Union charges a fee for this service.

MoneyGram Express Payment:

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

*MoneyGram charges a fee for this service.

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 Bank of America 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:

Monday through Friday – 8:00 AM to 5:30 PM (Eastern Time)

Saturday – 9:00 AM to 1:00 PM (Eastern Time)

Wire Instructions:
Wire instructions can be obtained by calling (800) 266-7661 ext. 8904

How do I sign up for AUTOMATIC PAYMENTS to be deducted monthly from my checking or savings account?
If you elect to have your payments automatically deducted from a bank account, you must complete an “Auto Pay” 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 Bank of America.

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 representative. We may have a program available to you that will permit a period of delay or forbearance.

What is the “grace period”?
Your payment is considered past due if not received by the due date. However, 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 will 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. 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?
If you are sending your payment by mail, please allow 7-10 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 late payments, First National Bank of America offers an Automatic Payment option that will make your payment through a withdrawal from the bank account of your choice on your scheduled due date. Contact our customer service department for more information.

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