To make a loan payment using an external account, you will first need to set up the external account through Plaid.

To access Plaid:

1. Log into Online Banking or the mobile app (App Store | Google Play)
2. Select Move Money
3. Select More Options
4. Select Add External Account
5. Select Add External Account again

There are two ways to link accounts:

1. Instant Auth. Plaid uses an instant authentication, which means you don’t have to wait on microdeposits before linking an external account. To use Instant Auth, sign in with your online credentials for your external account.
2. Same Day Microdeposits. If your external institution isn’t connected to Plaid, you can still use Plaid to link your accounts via Same Day Microdeposits. To complete this process, you will need your account and routing numbers. Once you submit the request, you will receive a verification code via email. The code is only valid for 7 days.

Some financial institutions scramble account numbers for security. This means you may not see your actual external account number in Online Banking or the mobile app.

Once your external account has been verified, you can make your loan payment:

1. Log into Online Banking or the mobile app
2. Select Move Money
3. Click Make a Payment
4. Choose your external account in the “From” field