How do I avoid a late payment fee on my loan payment?

The easiest way is simply to make every payment on time. 20 years ago, most members mailed in checks with loan coupons and trusted the post office would deliver them promptly. Prompt delivery is no longer a given, so we recommend:

  • Make your payments in person to a teller (not at a night drop)
  • Have your payments set up on an automatic transfer from another account at ATFCU or from an account at another financial institution. Make sure there are adequate funds in the payment account.
  • Use the alerts features in digital banking to remind you to manually transfer the loan payment from your checking account to the loan account.