Payment Quick Links

Online Transfer

Through Online or Mobile Banking:

Transfer between your Sierra and external bank accounts

Make one-time or scheduled payments

No Fee

Express Pay Portal

Transfer from other banks to Sierra

Pay with a debit card

Make one-time or scheduled payments

Fee: $4.95 per transfer

Over the Phone

Call a Sierra branch to pay with a debit card or through a bank transfer.

Transfer from your Sierra Account: There is no fee for this service

Debit Card or External Bank Account: There is a service fee of $12.95 for each payment made this way

In a Branch

Visit a Sierra branch to pay with cash, check, debit card, or through a bank transfer.

Cash: Branches don’t carry change, so round your payment up to the dollar.

Check: Made out to Sierra Pacific Federal Credit Union, with your account number and loan suffix in the memo.

Debit Card or External Bank Account: There is a service fee of $12.95 for each payment made this way

Direct Deposit

Set up Direct Deposit through your employer to have a portion of your paycheck delivered straight to your Sierra account.

You’ll Need:

Your SPFCU Account Number

Sierra’s Routing Number (321280237)

Mail A Check

Make the check out to Sierra Pacific Federal Credit Union and note your account number and loan suffix in the memo. These numbers can be found in your loan documents, by logging into online banking, or by contacting a branch.

Mail To: Sierra Pacific FCU, P.O. Box 10100 Reno, NV 89520

Payment Details

Use the “Transfer” function in online and mobile banking to move money between your Sierra loans and accounts, or between other bank or credit union accounts and Sierra Pacific.

You can set up one-time or recurring transfers, and can schedule a transfer ahead of time.

Your existing Sierra accounts, loans, and cards are automatically available in the Transfer tool. You can add external savings or checking accounts following the steps below.

Requirements for external account transfers:

  • Your account must be open for 30 days
  • External checking and savings accounts only
  • Debit Card payments are not available through this tool. Use our Express Pay Portal to pay with a debit card for a small fee.

Transaction Limits

  • $5,000 per transaction
  • $5,000 per day
  • $20,000 per month transferred from your Sierra account to an external account
  • $10,000 per month transferred from an external account to Sierra Pacific

How to Add an External Account to Online Banking

Before getting started, find the account and routing numbers for the external savings or checking account you’d like to add. You can find these in your institution’s online banking platform, at the bottom of the account’s checks, or by contacting your institution.

As a security measure, there is a mandatory 2-day waiting period between adding and verifying your external account. These external accounts will not be available for transfers until they are verified. 

Add an External Account

  1. Log in to online banking or the Sierra Pacific FCU Mobile App
  2. Select “Transfers” from the main menu
  3. Select “Manage External Accounts”
  4. Click the “+” button in the lower right
  5. Review the external account notice and ACH transfer disclosure
  6. Enter the external institution’s routing number
  7. Enter the external account number
  8. Add an account description if desired
  9. Select the account type: Savings or Checking
  10. Select “Add Account”
  11. You’ll see a “Success!” notice if the numbers were accepted.
  12. Wait three days, then log back in to verify your account (instructions below)

Verify Your External Account

After adding your account to online banking, Sierra will send two small transfers to that external account. For your security, those transfers will not be sent until 2 days after you add the account.

  1. Find the 2 deposits made from Sierra to your external account. Note the amounts.
  2. Login to your Sierra Pacific online banking
  3. Select “Transfer” from the main menu in the upper left
  4. Select “Manage External Accounts”
  5. Select the Pending Account you’re ready to verify
  6. Enter the amounts of the two deposits made to that external account
  7. Click “Submit”
  8. You should see a “Success” notice if the verification went through.

If you don’t see a success notice, double-check the transaction amounts, and verify the order (oldest deposit is amount 1).

Need help setting up your transfer? Contact a branch for assistance.

Use our online payment portal to move money from an outside bank account or debit card to your Sierra Pacific loans or accounts. You can send one-time payments or set auto payments through this portal.

There is a fee of $4.95 charged per payment for this service.

Express Pay: No need to create an account. Select the “Express Pay” button and your account number, the email we have on file, and the last four digits of your social security number to get started.

Create an Account: Register to save and schedule payments.

Automatically deposit part of every paycheck into your Sierra Pacific account.

Direct Deposits can be made to a SPFCU Savings or Checking Account. Combine with a scheduled transfer to make your monthly loan payments a breeze.

Set Up Direct Deposit

  1. Ask your employer for their Direct Deposit or Payroll Deduction form or complete our general use form here. These are usually available through your HR department.
  2. Collect the numbers. You’ll need:
    • Your SPFCU Account Number (available on loan documents or by contacting a branch)
    • Sierra’s routing number: #321280237
    • The dollar amount or percent of each paycheck you want to deposit in your SPFCU account each pay period
  3. Fill out the Direct Deposit Form and return it to your company’s HR

After setting up direct deposit, try setting up an automatic transfer to pay your loan and credit card bills on time, every time.

Your branch staff can help arrange a transfer or payment. Call your branch during normal business hours to get started.

Transfers between your Sierra Pacific accounts and loans: No Charge

Transfers from an outside bank account: $12.95 per transaction

Payments made by debit or credit card: $12.95 per transaction

You can visit a Sierra Pacific or shared branch to arrange a transfer or payment, or to pay with cash, personal check, or debit card.

Cash

Bring your payment amount to the branch. Remember, Sierra Pacific’s branches don’t carry change, so your payment should be rounded up to the nearest dollar.

Check

Use a personal check to make a payment or deposit. Make the check out to Sierra Pacific Federal Credit Union. Note your account number and the suffix of the loan or account you’d like to pay in the memo line. These numbers can be found on your loan documents, in your online banking account, or by contacting a branch for help.

Debit Card

You can make your loan payment or deposit in branch with a debit card. There is a service fee of $12.95 assessed for each payment made in this manner.

You can mail a personal check for your payment amount to Sierra Pacific.

Make the check out to Sierra Pacific Federal Credit Union and note your account number and loan suffix in the memo. These numbers can be found in your loan documents, by logging into online banking, or by contacting a branch.

Mail To:

Sierra Pacific FCU

P.O. Box 10100

Reno, NV 89520

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