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If you enroll in the CFNA AutoPay Program, CFNA will automatically initiate an ACH payment from your designated Payment Account on your PAYMENT DUE DATE as shown on your monthly statement. The amount of each AutoPay Payment will depend on the option you choose as described below.
Important Information:
Your AutoPay Payment amount may decrease if you make unscheduled payments or receive any credits before your PAYMENT DUE DATE. Your AutoPay Payment amount will never be higher than the amount on your statement, even if your balance increases during the billing cycle.
If, during any month, the total amount of unscheduled payments or credits exceeds your scheduled AutoPay Payment amount, or if you do not have an outstanding balance, CFNA will not process an AutoPay Payment.
Reminder: If AutoPay is cancelled or terminated at any time, you are responsible for any payments due and any fees assessed for non-payment.
To be eligible to enroll in CFNA's AutoPay program, you must have a CFNA Credit Card and a registered CFNA.com profile. Only the Primary Accountholder may register for a CFNA.com profile.
CFNA offers the following AutoPay options:
Minimum Payment Due:
This option will pay your MINIMUM PAYMENT DUE as shown on your monthly statement in the PAYMENT INFORMATION section. Your MINIMUM PAYMENT DUE, and therefore your AutoPay Payment amount, may change each month. Your statement will confirm your AutoPay Payment amount in the IMPORTANT MESSAGES box.
If you have an active Promotional Purchase, this AutoPay option may not pay the Promotional Balance in full by the Promotional End Date and you may be charged interest as a result. You are responsible for ensuring any Promotional Balance is paid in full before the Promotional End Date to avoid additional interest.
Payments, returned purchases, and other credits may reduce the AutoPay Payment amount if they post to the account between your statement date and the date your AutoPay Payment is processed. In this case, your actual AutoPay Payment amount may be less than the MINIMUM PAYMENT DUE or AutoPay Payment amount reflected on your statement; your MINIMUM PAYMENT DUE will still be satisfied.
Minimum Payment Due AutoPay with an Extra Payment Example:
Statement Period 03/01 – 03/31
| $100.00 | MINIMUM PAYMENT DUE on 03/26 |
| - $50.00 | Extra Payment made on 03/15 |
| $50.00 | AutoPay Payment Amount to be withdrawn on 03/26 |
Reminder: If AutoPay is cancelled or terminated at any time, you are responsible for any payments due and any fees assessed for non-payment.
Statement New Balance:
This option will pay the NEW BALANCE as shown on your monthly statement in the PAYMENT INFORMATION section. This option will pay your entire balance as of the first day of your billing period. It will not include any purchases or debits incurred between the first day of your billing period and your PAYMENT DUE DATE. Your NEW BALANCE, and therefore your AutoPay Payment amount, may change each month. Your statement will confirm your AutoPay Payment amount in the IMPORTANT MESSAGES box.
If you have an active Promotional Purchase, this AutoPay option will pay the entirety of your Promotional Balance provided you enroll in AutoPay before the Promotional End Date.
Payments, returned purchases, and other credits can reduce the AutoPay Payment amount if they post to the account between your statement date and the date your AutoPay Payment is processed. In this case, your actual AutoPay Payment amount may be less than the NEW BALANCE reflected on your statement.
New Balance AutoPay with an Extra Payment Example:
Statement Period 03/01 – 03/31
| $2,000.00 | NEW BALANCE 03/01 |
| - $500.00 | Extra Payment made on 03/15 |
| $1,500.00 | AutoPay Payment Amount to be withdrawn on 03/26 |
Reminder: If AutoPay is cancelled or terminated at any time, you are responsible for any payments due and any fees assessed for non-payment.
By enrolling in the CFNA AutoPay Program, you authorize CFNA to automatically initiate ACH payments from your designated checking account (“Payment Account“) to your CFNA account in accordance with these Terms and Conditions and any additional terms displayed to you through CFNA.com.
You may only enroll in AutoPay through CFNA.com or myCFNA Mobile. Your online profile must have a designated Payment Account. If your online account does not have a checking account registered, you will be required to add one. The CFNA AutoPay Program does not accept debit cards, credit cards, digital wallets (Apple Pay/Google Pay, etc.), non-transactional accounts, or any other payment instruments.
Your AutoPay registration and enrollment must be completed by 5 P.M. EST the day prior to your PAYMENT DUE DATE for your recurring AutoPay Payments to begin in your current billing cycle.
Please verify your AutoPay enrollment on CFNA.com or myCFNA Mobile. You may need to continue making payments to avoid missed payments and potential late fees until you confirm your AutoPay enrollment.
Your enrollment in AutoPay and your authorization to debit payments from your payment account will remain in effect until you cancel this authorization or your enrollment is otherwise terminated.
Once enrolled in CFNA's AutoPay Program, your online account will state AutoPay is ON. Your CFNA statement will state your monthly AutoPay Payment amount in the IMPORTANT MESSAGES box.
We will process your AutoPay Payments automatically each month on your PAYMENT DUE DATE until you cancel this authorization or your enrollment is otherwise terminated.
Reminder: If AutoPay is cancelled or terminated at any time, you are responsible for any payments due and any fees assessed for non-payment.
You may change the Payment Account CFNA will withdraw your AutoPay Payment from by logging in to CFNA.com or myCFNA Mobile and updating your payment information, or by over the phone by calling us at 800.321.3950 You may only change your Payment Amount option on CFNA.com or myCFNA mobile.
You must make this update at least three (3) business days prior to your next scheduled payment to ensure the change will take effect in time. If you attempt to update your Payment Account information less than three (3) business days prior to your next scheduled payment, CFNA cannot guarantee the change will take effect in the current billing cycle and CFNA will not be responsible for any fees or penalties you may incur as a result. CFNA.com and myCFNA Mobile will display the current settings.
You may cancel your AutoPay authorization through CFNA.com or myCFNA Mobile, by calling us at 800.321.3950, or by writing to us at Credit First National Association, 6275 Eastland Road, Brook Park, OH 44142.
If you wish to cancel your AutoPay, CFNA must receive your notice at least three (3) business days prior to your next scheduled payment to stop that payment. If you notify us less than three (3) business days prior to your next scheduled payment, CFNA cannot guarantee that payment will be canceled. If you elect to mail your notice to our physical mailing address, you acknowledge that we cannot act on your cancellation request until we receive it and that mail delivery times are beyond our control.
After canceling your AutoPay, you are responsible for any payments due and any fees assessed for non-payment.
CFNA reserves the right to terminate your enrollment in our AutoPay Program at any time and for any reason. In the event we terminate your AutoPay enrollment, CFNA will provide written notification to the Primary Accountholder.
After termination of your AutoPay enrollment, you are responsible for any payments due and any fees assessed for non-payment.
CFNA reserves the right to change the Autopay Program at any time, up to and including, ending the program altogether. CFNA will provide notice of any changes to the program at least one billing cycle in advance, unless otherwise required by law or legislation.
