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Skip-A-Pay Program


Flexibility for Everyone

Stretch your budget with DFCU

Now with any eligible Deseret First loan, you can skip your payments up to four times a year. During times of both good and bad, we at Deseret First want to help you any way we can; that’s why we believe this is a service that can help when you most need it. Additionally, as a member of DFCU, there are no fees associated with these skips and they can be in consecutive months!
Online Banking Login
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Benefits of Skip-A-Pay


Secure
It’s fast and secure.
No Forms or Signatures
There are no forms, signatures, or mailing required.
4 times a year
You can use this feature four times a year.
More Cash
Gives you more cash in your budget the months that you skip.
Easy Access
It takes less than 5 minutes.
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How to Skip a Payment

Don’t worry, it is quite simple and easy to do! Here are a few steps for you to follow.
  1. Log in to your Online Banking Account.
  2. Click the Skip-A-Pay widget (looks like the picture below).widget icon for Skip-a-pay program
  3. Follow the prompts to let us know which loan you’re wanting to skip.
  4. You’re finished and have a little extra room in your budget for that month!

Steps within Online Banking

We’ve created the following slideshow in case you need a little extra guidance! It includes the steps you need to take once you’ve selected the Skip-A-Pay widget in Online Banking.

Requirements

  • Loans must be current to take part
  • You must be one of the owners on the loan
  • The fee associated with skipping payments is waived at this time
  • Your DFCU accounts cannot be overdrawn for more than 30 days
  • Your DFCU accounts cannot be overdrawn more than $950
  • The loan you want to skip a payment on cannot have been delinquent for a period of 60 days within the last 6 months
  • Cannot have a CPI (Collateral Protection Insurance) in place on the loan you want to skip
  • Loan you want to skip must be open at least 120 days previous
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*Skipping a loan payment will extend the term of the loan and increase the total finance charge. Interest will continue to accrue at the agreed rate.

Stretch your money further!

Give your budget some wiggle room with the Skip-A-Pay program.

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